davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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. (SC)

I AM A LIVING PERSON PLEASE DONT CLOSE THIS COMPLAINT WITHOUT PROPER VERIFICATION AND RESOLUTION.

15 USC 1681 ( i ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have mailed and twice notarized documentation that the addresses on my credit report were not mine and were used for fraudulent acitivities. 

I've called and spoken with several agents that indicated that the information would be removed. However, its never been removed. Which allows continuation of fraudulent activities under my name. 

I've been given the run around on how to resolve this issue after trying to resolve this is after stopping a fraudulent tax return under my name. Which has happened in the past, without my knowledge.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

I have recieved confirmation of amount approved for group c of sweets v cardona settlement. ( in attached document ) However when I recieved a check from the dept of education it was only a 10th of the money I was to be given. When I contacted EDFinancial they told me false information or redirected me to my previous lender which is NO LONGER IN OPERATION for information on the refund. As well as the dept of treasury which I can not reach. 

From this I have been contacting edfinancial almost daily and have been given the same scripted response regardless of how I explain that they are liable. It is also far beyond the disbursement date from the approval date i was given which goes ahainst their own refund schedule among other things.
Consumer complaint received 2020-05-27
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. (TN)

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-16
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-16
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. (MI)

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 In accordance with the Fair Credit Reporting act 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 2019-02-27
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. (OH)

I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Consumer complaint received 2022-07-16
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. (SC)

I went to a car dealership to apply for a car they told me they were only going to run my credit through one lender, which was XXXX XXXX and ran my credit through a whole bunch of lenders without my consent I don't even know who these lenders are on my credit report and don't have any account with them. The lenders that I have no idea who they are that are listed on my credit report are, XXXX XXXX XXXX XXXX this one is actually listed 3 times like why? I dont know its like they ran it with them back to back to back. Another one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I had 2 Citi credit cards. The Citi Prestige card and the Citi Premier card. The Citi Premier card was due for renewal, so I decided to downgrade it to a no annual fee card and keep the Citi Prestige. I called Citi Customer Service on XX/XX/2022 and spoke to a supervisor named XXXX from team XXXX. The purpose of my call was to combine my XXXX accounts, then downgrade the Premier card to the Reward Plus card. This way, I would not lose the ability to transfer points to airlines and prevent the combined points from having an expiration date. I explained to XXXX what I wanted to accomplish on the call. XXXX was helpful and worked with me for almost an hour to make sure things were done as I requested. He confirmed the following : XXXX. Citi Premier XXXX account was transferred and combined with my Citi Prestige XXXX account. XXXX points were combined with my Citi Prestige XXXX account for a new balance of XXXX points. I did notice the balance that was being reflected online was XXXX points ( this was before my XXXX statement was generated ), but he said it would be reflected within XXXX hours. 

XXXX. He confirmed none of the new point balance would have an expiration and that I would not lose the ability to transfer any of the points to airlines. 

Today, I checked my Citi account online and noticed that XXXX points were expiring on XX/XX/2022! Please see screenshot attached. Also, I did not see the point balance of XXXX points was more than XXXX points. 

I called Citi and spoke XXXX XXXX XXXX, who was very unhelpful and claimed that there was nothing she could do about the expiration! She claimed that they needed to listen to XXXX 's recording for the next step. I asked about the point balance, but she wasn't willing to help.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXXthis merchant is clearly not consistent with reporting my payment history of missed payment amount and percentages payment history as a TOTAL. XXXX and transunion are reporting XXXX different numbers under payment history. It should be XXXX percent.
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-16
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 did not give Experian oral or written permission to furnish the information that is on my consumer report. This has caused undue stress upon me and my kids trying to find a home and I am a Veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (NC)

upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
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. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 adverse items of information, other than records of convictions of crime 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 2023-08-09
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'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 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I have issues with some addresses on my credit report that I never lived at these addresses, it is possible that they belong to a family member or friend but never my physical address belonging to me. please delete the following addresses : XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXXXXXX XXXX XXXX XXXX OH,XXXX XXXX  XXXXXXXX XXXX  XXXX OHXXXX XXXXXXXX XXXX XXXX OH,XXXX  My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-08-08
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. (VA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/2019.
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is showing a collection on my account with the original creditor XXXX XXXX XXXX XXXX It is showing a balance of {$630.00} and says it was opened on XX/XX/XXXX of this year. I do not know what this account is. I do not owe any money to XXXX XXXX  XXXX XXXX, and have not in over 7 years, so I do not know why this account is showing on my report.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding negative information, unauthorized charges on my credit card, incorrect information on my credit report, and deceptive practices by a debt collector. I have made several attempts to resolve this matter but my concerns have not been adequately addressed. I believe that the actions of Credit Bureaus are in violation of consumer protection laws, and I am seeking your assistance in resolving this issue. I have attached copies of relevant documents. I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights as a consumer are protected. I am seeking a resolution that includes the removal of inaccurate information from my credit report. The following items need to be removed immediately : XXXX XXXX ; XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX, CAXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX  Balance : {$24.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$9100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX ; XXXX XXXX CA ; XXXX XXXX XXXX XXXX, CAXXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$820.00}.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I would like to seek your kind intervention as since 2017 I am struggling to open a checking account. Bank of America fraud dept had reported a scam cheque deposit on my account which never cleared nor cashed. And fraud team member without even any investigation went ahead and reported to XXXX XXXX. Since then I have been unable to have a decent checking account for my paycheck direct deposit. I have been keeping a prepaid debit card account so my paycheck could be deposited. I reported this on the past and was advised that Bank of America representative would be in touch. However I never heard from them. I also spoke to XXXX XXXX  and they advised that they dont see any fraud which had occurred and neither was there any financial loss reported. XXXX Bank of America have to just send XXXX a fax with my details and remove it off so I can open a checking account. I several times spoke to BOA on phone and also visited theirs branches here in XXXX XXXX and was informed that they would get it fixed and call me. This never happened. I seek your assistance once again as I am a flight attendant and due to my work ay times having a prepaid debit card causes inconvenience internationally when i require atm services and any financialasisstance. Also every year I go through a lot of issues when I have to write a cheque or cheque for my annual lease renewal and rent payments. 
I request your kind intervention at your earliest convincer and help me get this fixed. 

Sincerely XXXX XXXX Cell : ( XXXX ) XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.