davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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. (NV)

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Credit Inquiries Credit Inquiries XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
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)

On XX/XX/XXXX I received an alert on my credit monitoring services. It states that my credit had been pulled for an auto loan. I had not authorized any XXXX or did a credit inquiry to purchase no vehicle. I called and was told to call my credit bureaus. As I called transunion they refused to remove inaccurate and erroneous information. I stated to Trans union that I have been dealing with a stolen identity since XXXX and that I have been a victim of identity theft. I advised I could provide a copy of my police report from XXXX and they refused to remove this fraud activity done on my credit report. 

The fraudulent inquiry is below XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (PA)

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 I did not give any of these companies permission to run my credit
Consumer complaint received 2024-02-09
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. (IL)

According to XXXX, this account should be removed promptly. I'm XXXX about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it as soon as possible.
Consumer complaint received 2022-11-15
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. (GA)

Hard inquiries and debts tied to a address is never lived at and when I reach out to XXXX XXXX XXXX and Especially Experian about the issue they say the debt or inquiries is valid yet the personal info such as social Security number and name and address is incorrect and it's like they don't care to clear it up hard Inquiries on accounts I already have so why would I apply for them again but they don't seem to see the issue it feels like a scam honestly
Consumer complaint received 2024-02-09
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. (LA)

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-07-13
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. (PA)

XXXX Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says XXXX Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX
Consumer complaint received 2024-02-09
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. (GA)

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. 


I told XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (GA)

Citibank XXXX employees in their XXXX Department has racially profiled me because I am a XXXX woman! Citibank declared me Deceased unlawfully because I am alive! Citibank stated that Impersonating a Deceased Relative! Citibank has falsified my account records! I applied for my card using my name, date of birth, social security number, address, and cellphone number! I am not impersonating anyone! I am XXXX XXXX! Citibank sent Police to my home based on my Race and to have me killed by the Police to justify their XXXX lies that I am deceased! Citibank ongoing harassment is based on my Race and gender as an XXXX American woman! Citibank has discriminated against because of my Race! Citibank made false accusations against me. Citibank is still harassing me! Citibank closed my credit card account based on my Race and because I was shopping while being XXXX! Citibank has caused me tremendous financial damage by their XXXX profiling and discrimination based on my Race and gender! Citibank has falsified my account notes to cover up their ongoing business practices of targeting XXXX customers and causing XXXX customers financial harm! The latest racially motivated discrimination incident on XX/XX/2023 by Citibank against me is that they sent fraudulent documents to XXXX stating, XXXX XXXX is deceased and that all my credit was obtained because Im impersonating XXXX XXXX a deceased relative. I am not deceased! I am XXXX XXXX. This is racism at the highest levels! Only a XXXX XXXX can declare me as being dead! Not Citbank! Citibank has refused to reissue me a working credit card because I am a XXXX customer! Citibank is destroying my credit and continues to discriminate against me and still refuses to stop their ongoing harassment and abuse towards me because I am a XXXX American woman! There is a call made on Saturday XX/XX/XXXX in which Citibank CSR stated that Account was opened by impersonating a deceased relative! Thats a blatant lie! I am XXXX XXXX I applied using my name, date of birth, address, social security number and cell number! Citibank stating I am deceased is their racism and their decision to sent Police to my home in false accusations was to have the Police to kill me because of my Race as a XXXX American woman!
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 — Old information reappears or never goes away
Company: I.C. System, Inc. (TN)

There is an old cell phone bill on my credit report from IC Systems. They have not proven to me with a contract with my wet signature that it is indeed my bill or that I have a contract with them and agreed to owe them anything. However, there is a FEDERAL statute of limitations of only XXXX  years regarding phone bills and reporting them. The account I did have with the phone company in the past is past the federal statute of limitations. This collection agency is breaking FEDERAL law by refusing to delete this from my report. I have disputed it more then once and they claim valid and verified and refuse to delete and have not shown me any kind of physical proof to back up their claims. As I said cell phone bills are a special case and have a statute of limitations of only XXXX years on a federal level and they are breaking federal law by not removing this. It must be deleted from my report immediately.
Consumer complaint received 2024-02-09
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. (LA)

XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-09
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. (FL)

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 2020-02-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

Made {$2500.00} payment with all extra principal to be applied to principal. Normal payment is approximately {$1000.00}. This is the 6th time where all ( 3 ) loans in the last year BMO Harris Bank has not applied extra principal or in this case the extra principal payment has disappeared completely from payment.this las happened around XX/XX/18 where I filed a complaint with the Consumer Financial Protection Bureau. Complaint # XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with the corporate office in rectifying this problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. Since this is the 6th time in a year I am forwarding this to the Attorney General of Arizona and to the Arizona and Illinois Division of Financial Institutions
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS (TX)

What Compliant? 
XX/XX/2018 - XX/XX/2018 Statement Submission Form ( s ) * What type of Problem? 
Refusal from the XXXX XXXX XXXX XXXX Mailing ' to enter-In ' Statements of Residency, And Correct Residency Dates. 
What Happened? 
( 45 ) Day Stalling tactics to enter-In ' the Statement Submission Forms.

What Company? 
LexisNexis ( R ) Who is Involved? 
LexisNexis ( R ) potentially ; XXXX and Subsidery Companies, Work Number, Credit Bureaus and Allegencies and Alliants, Credit Reporting Agencies, Courts, Banks, Law Enforcement.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (GA)

My service provider granted me a XXXX forbearance on my XXXX loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a XXXX month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to XXXX fixed loan. 

However during the XXXX months of the trial period, my credit account was reported to the credit bureau as XXXX, XXXX and XXXX days late even though all payments were made on time as directed by the service provider. 

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the XXXX, XXXX, XXXX  day missed payments from my credit report
Consumer complaint received 2022-07-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY (FL)

I bought a vehicle from XXXX XXXX of XXXX in XX/XX/2022. 
I applied for my own loan with my bank. 

The dealership obtained another loan which I did not authorize from their preferred lender TD Auto Finance. 
XX/XX/2022 I have been paying my loan through XXXX  XXXX XXXX when I received multiple calls from TD Auto Finance demanding payment .I received an invoice from TD bank as well with late charges. 

XX/XX/2022 I ve reached out to the dealership -salesman XXXX XXXX and Finance Manager XXXX XXXX who have not returned calls. 

I drove to the dealership to request they cancel the fraudulent loan but they said they would call me back just wait. 

I called TD Auto finance to let them know I did not authorize the loan spoke a XXXX who says they need to hear from the dealership.
Consumer complaint received 2017-10-13
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)

I requested investigation for the inquiries on my credit report TRANSUNION stated that Im at fault that they can not do anything for me. They refuse to investigate according to FCRA anything incorrect on your report must be investigated. TRANSUNION all they can tell me is that contact the creditor which Ive already done and got no respond.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On Friday, XX/XX/2022 I opened a checking and a money market account with Huntington Bank and deposited {$1100.00}. The accounts were successfully opened. Then, today, XX/XX/2022 my accounts were closed without any notification and my {$1100.00} which I need immediate access to are missing. This is very scary for a bank to successfully open accounts and people deposit their hard earned money then for the account to be closed just days letter. This could cause financial ruins in low income households with money being missing. This bank should be investigated by the FTC!
Consumer complaint received 2022-07-12
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: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2023-04-05
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : 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 2024-02-09
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. (MS)

i recently check my credit report and notice a account that is not mine from citizen pay line of credit for {$2600.00} and i would like for it to be deleted from my credit report. i will include my FTC report below for your reference.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (MO)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-15
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. (NC)

I use COSTCO citi card to pay my monthly " XXXX XXXX XXXX XXXX XXXX  ''. The official amount is {$11.00}, but citi card charges me {$12.00} each time. I called the cit Customer Service and explained to them. " XXXX provider asked us to charge {$12.00}, not {$11.00} '' is the answer from citi Customer Service. However, I got my {$0.00} refund ( XXXX {$0.00} ) back after I did a dispute on citi website. Looks like that I need to go to dispute each monthly transaction to get {$0.00} back for each month. 
Not sure whether this is not a good practice? 

On XX/XX/2022, I purchased gas at XXXX  gas station when the gas pump notice said no receipt available ( instead I did take a photo of the pump, {$38.00} ). The citi card charged me {$40.00}, which is {$1.00} more than {$38.00}. It's interesting that the citi dispute site gave the {$1.00} back to me " Permanently '' immediately as soon as I entered my dispute ( it seems know there is an overcharge, which is {$1.00} ). However, two days later, I got an email from COSTCO citi card asking me to " XXXX, request a replacement card in just minutes ''. I feel this is bad email, which is like a harassment ( because I had replaced my card about two months ago with lot of troubles when I was traveling, for which I did informed citi card in advance ). I think there might be some misunderstanding, so I called Customer Service again. The Customer Service said they didn't send that email. 

I really want to trust COSTCO Anywhere Visa Card.