davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MA)

I have over {$100000.00} on deposit in a Citibank savings account. I check the account balance from time to time, even though I have not been making additional deposits or withdrawals. Citibank sent me a letter on XX/XX/XXXX, saying that my account " will be considered inactive and may be blocked and subsequently closed, '' if Citibank doesn't hear from me within 15 days of the date of this letter. '' The letter further states that the funds in my account " may be turned over to the state as abandoned property. '' This caused distress because the amount of money is substantial. As I have been accessing my account online to check the balance, it seems unreasonable that Citibank should threaten to turn my money over to the state as abandoned property.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Recently, upon reviewing my credit report, I identified several billing errors in violation of 15 U.S. Code 1666 ( b ) regarding billing errors, specifically : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. ( 5 ) A computational or accounting error made by the creditor on a statement. Additionally, I did not receive any notification or statement 21 days prior, as required, meaning no late payments should have been reported for these accounts. I am requesting hard, verifiable proof from the creditors bank records showing that I failed to make the payments that were marked as late, as this appears to be a clear billing error. As a consumer, I have legal rights under the law, and these accounts must be updated or removed immediately. Failure to do so will result in my seeking monetary damages for the violation of my rights under XXXX5 USC 1681n ( civil liability ).
Consumer complaint received 2022-06-26
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 Reporting Act, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT 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
Consumer complaint received 2024-09-15
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. (FL)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. 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.
Consumer complaint received 2024-09-16
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BARCLAYS BANK DELAWARE (GA)

I have an XXXX credit card. They changed their bank from XXXX to Barclays. Yesterday night I requested for credit line increase and without my consent or informing me they pulled hard inquiry on my credit report. I spoke with two customer representatives yesterday night for an hour and they failed to help me with this. Today I spoke with a manager who also failed to help me with this. This is extremely unethical way of pulling hard inquiries. I do business with other credit card companies and they never pull hard inquiry when requesting credit line increase or if they need to they seek for my permission. Barclays did not take my consent.
Consumer complaint received 2022-08-13
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. (KY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX {$420.00} and XXXX {$1000.00} 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 2022-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CT)

XX/XX/XXXX I received a e-mail from XXXX, Whom I have a account with that I had a Major Derogatory Account that was reported by XXXX. I contacted XXXX, filed a dispute because I did not know what this was, I thought that another Identity Fraud happen since last year I was a victim of Identity fraud. I checked XXXX XXXX and seen my XXXX credit score dropped XXXX points, Which it was XXXX last I checked. I clicked the what changed tab, And a Collection agency ( AFNI LLC. ) was working for XXXX. I paid off my balanced {$340.00} in XX/XX/XXXX and closed my account, 9 months later they are committing Fraudulent charges against me. I dont owe XXXX anything, I paid off all my balance in XX/XX/XXXX, While on the phone with them, And asked them to close my account, Which they did and they try to offer me perks to stay with XXXX since I been with them since XXXX, And never missed a payment. I declined. I returned their equipment at the nearest XXXX store, And that was it. Now they hired a collection agency 9 months later claiming fraudulent charges of {$220.00} that they claim I owe, Which I do not.
Consumer complaint received 2024-09-16
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. (PA)

XXXX XXXX XXXX {$88.00} I have no knowledge of this account and received no notification of this debt. I have requested receipts and confirmation of this debt and notification via certified mail of this debt and have not received. I demand this be removed from my credit report immediately.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Bread Financial Holdings, Inc. (NJ)

Please note that this is not a duplicate complaint. This is about an unauthorized fraudulent debit with a vague description that they have posted on my account for $ XXXX and have also have put my account on restricted status on the afternoon of XX/XX/XXXX. They did not inform me about this debit in any way. I could not sleep whole night because of this fraudulent debit. 
I sent them multiple secure messages about this fraudulent debit and none of those have been answered. 
I just spent XXXX hours on the phone with them and they said they don't have anyone available who can answer any of these questions. I have no idea what they have done with my funds and they are not willing to provide any answers. Last time they put my account in restricted state ( about an year ago ), they called me and asked all sorts of XXXX, biased and stupid questions before releasing that. I should have learnt my lesson back then and closed the account right away but I though that was just a few bad apples but this whole bank is rotten to the core. 

Yesterday evening they posted the debit as TRANSACTION POSTED ON-LINE Pending - XX/XX/XXXX {$250000.00} which gives you no idea what they have done with the funds. Now the same debit is appearing as DESCRIPTIVE DEBIT XX/XX/XXXX {$250000.00} which again gives you no idea what they have done with the funds.
Consumer complaint received 2022-06-26
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)

n accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX XXXX US Dept of Education,XX/XX/XXXX # XXXX, XXXXXX/XX/XXXXl # XXXX, XXXX and XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXXXXXX # 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 US Dept of
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-09-16
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX
Consumer complaint received 2022-06-26
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (IA)

As a long-time public servant, I was using the studentaid.gov website to apply for public service loan forgiveness. The website informed me that I had to consolidate my loans in order for them to qualify and they offered a tool to do this. I began the process on XX/XX/21 and selected Navient as the servicer of the new loan. I was told that Navient will follow up with me in the coming days to service the new loan. Navient followed up with an email titled " heres the information we discussed '' with additional information about the refinance on XX/XX/21. On XX/XX/21 Navient sent me another email titled " Important notice from Navient '' in which I was told " XXXX, congratulations! You are one of the select few to receive a refinance offer. This appeared to be the next step in the refinancing process I had already begun, so I followed the link and refinanced my loan. What I did not realize is that this was an entirely different refinance offer. To make matters worse, it permanently made my loans ineligible for public service loan forgiveness as well as making them ineligible for the federal student loan pause. After the refinancing was done, when I spoke with Navi about this they said that it was my fault and that the loan could not be converted back to the correct type of loan.
Consumer complaint received 2022-06-26
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)

These companies have stated theyve conducted an investigation to remove all improper or an accurate information from my credit report. They have not done this. The last investigations took way too long for them to address the issues that I pointed out that they still have yet to fix. For example, on XXXX XXXX I did not and do not know of any information research company that decided to pull a hard pull for my credit. And it is baffling to me how XXXX seemed to get the information correct yet XXXX and Experian still continue to do what they want to do. Additionally I have never lived on board the XXXX XXXX XXXX XXXX. I fail to understand how their investigation gets these results but the reporting companies for the XXXX bureau has correct information! I have never authorized them to report anything concerning me yet they still continue to place false information on my credit report as if they had a right to do so. They can get this fixed immediately or we can go to the FTC. I am tired of waiting for them to figure out their mistakes that have already been pointed out. I dont care what fake company they choose to use to gather information, they should do the job themselves, aka a proper investigation, to see where I live, what I have done, and where I work instead of reporting false and fake information about me such as the husband they had attached to my account when I wasnt even married! This is the absolutely last chance to get all information correct.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Applied for XXXX credit card with Capital One and was met with an instant alternative approval situation. I have excellent credit with a high XXXX and XXXX above XXXX along with a current account that has been paid on time, all the time. And yet during the application process for the XXXX, Capital One decided to pull a bait and switch by declining the card I applied for with the new sign-up bonus ( {$200.00} on {$500.00} spend ) and instead offered the exact same XXXX card with the exact same terms minus the sign-up bonus. Not sure why exactly Capital One chooses to offer the exact same card minus the bonus but they should make the determination BEFORE doing hard pulls on all three credit bureaus for applicants. For customers that really want to do business with Capital One, this is a terrible way to obtain customers. If they let applicants know prior to completing the application that they are not eligible for the bonus, applicants can make the determination whether or not to proceed. But providing this choice to applicants after a hard pull of all 3 credit bureaus has been done seems intentional as they know most people will still accept the alternative offer given that the Capital One hard pull will remain on each of their credit reports with XXXX, XXXX, and XXXX for 2 years. CFPB please look into this terrible business practice by Capital One. Lenders such as XXXX XXXX provide a pop-up as part of a soft pull in the application process to alert applicants if theyre ineligible for sign-up bonuses. I believe these systems are in place to combat credit card churners but impact standard ( non-churn ) customers as well.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I already reported account information is incorrect. The highest balance is incorrect, the negatives months is incorrect, account type, and terms. 

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

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (MD)

I have made repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These unauthorized entries have significantly disrupted my life, causing substantial stress. I want to reaffirm that I never gave permission for this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (NY)

I am writing to address the presence of accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Following my recent communication with your organization, I am formally demanding the immediate blocking and removal of these fraudulent accounts from my report. Their inclusion has caused me significant emotional and financial hardship by misrepresenting my credit history and obligations. If this matter is not resolved satisfactorily, I am prepared to pursue legal action to protect my rights. These unauthorized entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2022-06-26
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, has violated my rights. 
XXXX XXXX ACCOUNT- XXXX XXXX XXXX XXXX XXXX ACCOUNT-XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT 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