davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

In response to a splash invitation when I was online with citi.com, on XX/XX/XXXX, I opened a Citi XXXX XXXX. However, because of an erroneous fraud suspicion on their part, Citi closed my account after a few days, and froze over {$91000.00} that I had on deposit, and sent me a lame letter ( dated XX/XX/XXXX ) with very little information about why this action was taken and when I would get my money back. When I tried several times calling Citi customer service lines ( including the number listed on the letter ), I was given patronizing evasive answers with only the information that a check would be sent to me within 30 to 60 days. When I elevated the complaint to a supervisor, the supervisor told me a different department was handling the matter, and gave me the same number to call that I had already tried. 

On XX/XX/XXXX, I filed a complaint with CFPB ( XXXX ). Citi responded with an email on XX/XX/XXXX. Because Citi responded, CFPB closed the complaint. But Citi 's email did not refund my $ XXXX nor resolve the issue. Instead, in order to consider expediting my claim, Citi requested more info from me ( statements from the source fund banks from which I had transferred the funds for my new Citi account ). I emailed Citi the requested scans of my funding accounts on XX/XX/XXXX, and received a confirmation from Citi that the scans were received. 

Instead of expediting my claim, Citi used my cooperation as an excuse to reset their response timetable, because when I called after a few weeks to request an update on my case, the representative reported that Citi was now reviewing the scans I had emailed, and would respond within 30 to 60 days. 

According to the original letter received from Citi dated XX/XX/XXXX, my funds were promised to be returned to me within 30 to 60 days. But I still have not received the refund. 

In summary, Citi baited me to open a new account, promising an opening bonus ( XX/XX/XXXX ). But, for no reason, Citi closed the account, citing their right to close my account for no reason ( XX/XX/XXXX ). If my funds had been returned immediately, I would not have complained, as I need the money for a house purchase in process. 
But Citi froze my funds, promising to mail a refund check in 30 to 60 days, but refusing to answer my legitimate questions and demand for an immediate refund. Only after my complaint to CFPB ( XX/XX/XXXX ), did Citi give some response, but rather than giving me a refund, Citi just demanded more documentation from me ( XXXX ), which I provided ( XX/XX/XXXX ). But now, after I inquired about an update from Citi on XX/XX/XXXX and XX/XX/XXXX, Citi is just continuing to further temporalize.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 accounts 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 banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? 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.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXXXXXX XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

On Friday, XX/XX/XXXX at XXXX am a money transfer of {$510.00} dollars was sent through Western Union on this location XXXX XXXX XXXX, XXXX, TX XXXX to XXXX XXXX. 
On the same day Friday, XX/XX/XXXX more less at XXXX pm the recipient was at the XXXX XXXX XXXX to claim the money- a total of {$10000.00} pesos and she was told there was no money to be claimed for her. She also went to the XXXX bank and she was told the same. 
At this time I called the Western Union customer service where I learned that the money was claimed at XXXX XXXX a different city and state at XXXX PM. 
Until now, Saturday, XX/XX/XXXX nothing has been resolved! only a case has been opened. How can the transfer be claimed at a different state and a different time? We need this money to help my parents sustain their household and daily lives. Western Union should refund this money. 
Tracking # XXXX {$510.00} dollars was sent {$10000.00} pesos need to be received Western Union Case # XXXX Please help, I appreciate your help in advance.
Consumer complaint received 2022-10-23
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. (NV)

NOT MINE
SICK FOR AN ENTIRE YEAR WITH XXXX
-

Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  Phone number
XXXX XXXX

Is everything correct?
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I've requested assistance with all three bureaus Experian, XXXX, and XXXX XXXX credit reporting agencies ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when XXXX loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a XXXX  account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im  depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-05-07
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. (PA)

On XX/XX/XXXX I sent off certified mail letters requesting the credit bureaus to " investigate every piece of information '' on the accounts that I have listed below. I have also attached the actual letters sent out along with the tracking numbers : Actual letter sent : To whom this may concern, Your company said, I allegedly owe you money. I am willing to " Pay '' under the conditions that you are able to provide the following three pieces of information to legally verify this +debt as being % accurate : 1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed invoice.

3. A copy of the signed contract binding both parties ( you and I ), and a letter by " certified mail '' so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Accounts : 1- To XXXX bureau re : creditor- XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX 2. To Transunion XXXX XXXX Credit Bureaus : Noted errors-Transunion date opened showing : XX/XX/XXXX/ XXXX date opened being reported as : XX/XX/XXXX. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both parties representing the same debt ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX 3. To Transunion XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX Acct # XXXX Tracking # XXXX 4. To Transunion Credit Bureau Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Acct # XXXX Original Creditor- 11 XXXX XXXX XXXX XXXX 5. To Transunion XXXX XXXX Credit Bureaus Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FRCA The term " investigation of consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 wo may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MA)

Target credit card was set up with automatic payments. All checking account info was loaded in database. XXXX payment was not processed and Target did not reach out until 31 days late. It was a {$30.00} dollar payment. Entire balance was paid immediately, I explained the auto pay was set up. I asked if it could be confirmed and was told the information was in fact loaded onto the database but I still could not enroll in auto pay. Target then reduced my available credit while not reporting my payment further torpedoing my credit score. Ive reached out to target 5 times and sent two general inquiry emails. The response is the reporting is accurate, but they dont take any blame for their own system failures. I was set to buy a house that I now do not qualify for because of a {$30.00} dollar payment. Realistically this would never happen. I have just closed my target account and I would like this 30 day late mark removed.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 accounts 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 banks 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. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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. (SC)

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (NY)

I have filed several disputes in regard to incorrect information on my credit report. Its been over 30 days. I have requested this information be removed from my credit report several times. They are in violation of the FCRA, Fair Credit Reporting Act. I did not give permission to put this information on my credit report this is invasion of privacy. I have no other resolution then to take legal action against Experian and sue them in Court. They are not above the law. They are preventing me from getting a mortgage. Subjecting me to high interest rates.
Consumer complaint received 2022-05-02
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. (MA)

In accordance with the FCRA XXXX account XXXX has violated my rights. 15 U.S.C. 1681 section 602a states I have the rights to privacy. 15 U.S.C. 1681 section 604a states a consumer reporting agency can not report my personal information without my written instructions. I didnt give Experian or anyone permission or written instructions to report this account. I demand that Experian delete this account immediately based on this FCRA U.S. codes.
Consumer complaint received 2024-10-28
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. (GA)

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2022-06-18
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. (CA)

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( TRANSUNION ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ) ( XXXX ).
Consumer complaint received 2022-11-17
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. (MI)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( accts XXXX & XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (DE)

American Express has Charged off this account and is still reporting on my Consumer report. American Express has also filed a 1099c on this account. PLEASE SEND ACOPY OF MY 1099C. 

If this mater is not resolved in 14 days I will follow suit with further proceedings respectfully
Consumer complaint received 2022-11-17
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)

So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. 
According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also, according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2022-09-20
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. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.