davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
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. (TX)

INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX XXXX  I 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  M XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I applied for a promotional mileage credit card through Bank of America partnered with XXXX  XXXX in XXXX of 2019. I did not receive and activate my card until XX/XX/XXXX of 2019. However, they started the 90 day promotional period from the day I applied online. I have attempted to resolve this with Bank of America directly as well as with the XXXX, and although they admit the card was not activated until XXXX they are unwilling to take the responsibility for the misleading promotional period of 90 days.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

I have a citi credit card with {$13000.00} limit. I have a promotional rate of XXXX  XXXX  for 12 months with a balance of {$3400.00}. I have a flex loan with a fix rate of XXXX XXXX for 36 months. I was paying the extra for the promotional amount as their is only 6 months left, and CITI decided to put the extra toward the flex loan. 

No option for me to choose which loan to pay certain amount, as after the promotional loan expires, the amount is subject to XXXX XXXX interest. This to me is fraud or entrapment.
Consumer complaint received 2022-08-15
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-11-03
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: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX  XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2022-08-15
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 

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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

Please update the late payments remarks and status from my credit report. Status are cause of pandemic, please help me about this status and remarks for me to increase my credit score, as we badly needed to pass on our mortgage inquiries. I have never been before and after on pandemic, i hope you understand and help regarding on this matter.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. 

TO INCLUDE : EXPERIAN XXXX XXXX ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXXNo Signed Contract with this company to validate. 
XXXX XXXX XXXXNo Signed Contract with this company to validate. 
XXXXPaid in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.
Consumer complaint received 2022-08-15
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-15
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)

I sent out letters to all the 3 credit bureau in XX/XX/2022 to do a complete investigation .I recieved a respond back that they have done a complete investigation and everything is 100 % accurate.

According to the law 15 U.S. Code 1681a The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2024-01-20
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: Experian Information Solutions Inc. (AR)

I checked my credit report on XX/XX/ and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

Items on my credit file are inaccurate and has not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies nor can they place any item on my credit file. No validated proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND BY NET. 

To Include : Experian XXXX XXXX Accounts in disputes : XXXX XXXX XXXX Signed Contract with Company. 
XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXXThey state they sold account and can no longer collect nor place on my credit file. 
XXXXThey State they sold account and can no longer collect nor place on credit file. 
XXXX XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. 

There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. 

This is harming my credit and has been detrimental to my credit file.
Consumer complaint received 2022-08-15
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}, XXXXXXXX XXXX  XXXX. XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, and XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute and formally request the correction of inaccurate information on my credit report maintained by Experian. This dispute concerns late payments reported on the following accounts listed below : XXXX XXXX XXXX | Account number : XXXX XXXX XXXX | Account number : XXXX XXXX XXXX | Account number : XXXX I contend that the reporting of these late payments not only misrepresents my credit history but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to the following sections of the United States Code : 1. **15 USC 1681 section 602 : ** This section underscores my right to privacy, emphasizing the obligation of consumer reporting agencies to ensure the accuracy, fairness, and privacy of the information they collect and disseminate. 
2. **15 USC 1681 section 604a section 2 : ** This section outlines the procedures for providing consumers with their rights, emphasizing the right to dispute inaccurate information on their credit reports. 
3. **15 USCS 1666b : ** This section establishes additional protections for consumers, stating that a consumer reporting agency can not furnish an account without the consumer 's written instructions, and a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have tried to submit my dispute regarding the one fraudulently opened XXXX account that has severely damage and harmed my credit report. Prior to filing this complaint I have mailed in my dispute via certified Mail. The letters where signed and accounted for however I have received no results on updates. If this account is not removed vastly I will no longer Pursue resolving of this matter on my own. I have contacted legal counsel along with private investigator to obtain the proof that this account is not of my responsibility and is fraud. If the account isnt removed my attorney has informed me that first we shall contact the media and attorney general and move forward for financial compensation.
Consumer complaint received 2020-12-07
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. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received byXX/XX/XXXX XX/XX/XXXX and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 5 months from my first written request and more than 3 months since my second written request ( sent certified mail ) and I still have not received any responses.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

I closed my {$450.00} / year Citi XXXX XXXX XXXX card 51 days ago. I called today and to ask why I have not seen a check for the annual membership fee in my mailbox yet - the first rep I spoke with told me that it would take 2-3 billing cycles and that I 'd have to wait. When I said some time had passed he sighed and said 'yeah yeah, it can take some time ' as if I were his fraternity brother, not a premium card customer. Upond repeatedly requesting to speak to a supervisor, I was transferred to XXXX ( rep ID XXXX ) who informed me that I had closed my account 3 days too late to get my annual fee back. When I shared that I was not told that I would not get my fee back, he said that, unless someone had explicitly told me I would get my money back, then there is no issue and nothing he could / would do for me. I have not been advised that I am forfeitting XXXX XXXX when I closed the card - had I been told that, I would either have requested an exception or kept the card open. As it stands, Citi has taken my money, closed my account and essentially is retaining money for services not rendered - without informing me of this. I would like to have my fee back from Citi, I believe a reasonable request as my card is closed and I am not using any services. I was also not told that my fee would not be reimbursed. I appreciate your help in this matter.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Oh, dear. Where do I start with USAA BANK and all its products. If you want to work with a company that likes to commit major regulation violations, break laws, and ruin consumers lives, this bank is for you. Usaa Bank after being idenity theft and being provided paperwork they not only closed my accounts down illegally they held on to my money for over a month and when it happened they would not give me explanations, they had none. If you are a consumer, RUN! Do not trust them. If you are a federal or state official or work with any government agency you need put them on your hot list.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (TX)

I discontinued my XXXX contract in XXXX of 2016. According to XXXX XXXX XXXX my new provider I needed to show receipt of payment to XXXX for the phone device that I had leased, and they XXXX XXXX XXXX would make me whole. WellXXXX immediately revoked access to all my billing statements and went ahead without any invoicing or giving me the bills even though I had asked the representative to send me those, charged my Credit Card for recurring charges. I disputed the item and the Card company agreed that the charge was n't recurring and XXXX inappropriately charged the card. That was the last I heard from XXXX or anyone on this. Just yesterday I received a notice that my credit report had been adversely affected. I researched and it turns out a Debt collection agency by the name of Diversified consultants had put this adverse action on my pristine report. I called them this morning and the agent was n't helpful at all and she hung up on me once I asked to speak with a supervisor. 

Neither XXXX nor Diversified in earnest tried to contact me. the call log on my phone number would show it and they have both the right number and the address for me.
Consumer complaint received 2016-06-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My former home is in the foreclosure process. The property has XXXX liens against it - the XXXX with XXXX and the XXXX with USAA. I am trying to complete a deed in lieu with XXXX, but I ca n't until the lien with USAA is settled and released. In my negotiations with USAA, USAA is being slow and/or unresponsive. It is taking them XXXX days to respond to my offers, increasing the likelihood that XXXX will do a judicial foreclosure and USAA will end up with a lower settlement.