davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

XX/XX/2022 fraudulent charges to XXXX XXXX were made for {$120.00} twice. Filed a dispute with Citi and closed account with number ending in XXXX. Citi issued a new card. 

XX/XX/2022 ( Card was closed at this time card ending in XXXX. ) Fraudulent charge for {$76.00} made to XXXX. Filed a dispute with Citi Citi told me that I needed to contact XXXX. On XX/XX/2022, I called the number that was listed on my statement from Citi ( XXXX ) and talked to XXXX. She said there was nothing they could do. 

XX/XX/2022 received a letter from Citi stating my dispute has been closed and the {$76.00} is now my responsibility. 

XX/XX/2022 again contacted XXXX at the number listed on my account ( XXXX ) and talked to XXXX and they have no record of a payment for {$76.00}. I have auto pay set up with Spectrum using a different credit card, my monthly total is {$74.00} per month. 

XX/XX/2022 wrote a letter to Citi Security Services detailing all of this information along with supporting documentation and have never heard back from them. 

XX/XX/2022 I paid the {$76.00} bill as I did not want to ruin my credit. 

XX/XX/2022 called Citi and talked to numerus people ( I was on the phone for over two hours ) they stated that I should be getting a refund.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In 2018 my stepdaughters made some checks from my check book forged my signature and took XXXX from my account. Bank refused to reimburse the money even after I made a police report. Later she was arrested and did some time for the crime
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, I mailed a formal dispute letter to TransUnion requesting a thorough investigation into inaccurate items appearing on my credit report. Additionally, I disputed incorrect personal information listed in my report. To facilitate TransUnion 's verification of my identity and address, I enclosed a copy of my photo ID, Social Security card, and a recent bank statement reflecting my current address. 
On XX/XX/year>, I received a response from TransUnion stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is in direct contradiction to my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that if a consumer disputes the accuracy or completeness of any item of information within their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion 's refusal to process my legitimate requestdespite receiving the necessary verification documentationdemonstrates a failure to meet this obligation. 
TransUnions lack of action has effectively denied me the right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my rights under the FCRA is both frustrating and unacceptable.
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (NM)

I have been trying for months to determine the exact requirements, criteria, and specific process to have my PMI removed, as the home values in my area have increased significantly since my purchase of the home. My XXXX mortgage with a balance XXXX, is now worth at least $ XXXX. 

I contacted PRMI early XXXX to obtain information on PMI removal based on this. I was told just to submit a request in writing and that was all I needed to do. I assumed I would receive a letter notifying me of the process and requirements. Instead, 6 weeks later I received a letter stating the request was reviewed and denied due to XXXX ratio not being sufficient for PMI removal. I called PMI to ask what information they used for the XXXX ratio and was told it was the current amortization schedule. I explained the situation once again of my home increasing significantly in value and was told to obtain a private appraisal and resubmit for review. I have contacted home appraisers in my area who have been surprised by this and have suggested I clarify with PRMI that they will accept an appraisal that was not ordered by them in-house. 

XX/XX/22 I contacted PRMI and spoke with a CS rep, a supervisor, and a manager and was given inconsistent and conflicting information. The supervisor told me she would NOT recommend obtaining a private self-ordered appraisal, yet her manager told me that is what I need to do. I asked the manager to first explain what the process was for a removal request and she explained a very different process that should have been followed at my initial request for removal. None of the individuals I spoke with would provide any documentation in writing of what the official requirements and process are. They also will not comment on whether a privately ordered appraisal will in fact even be accepted. 

I just want to obtain definitive information on the process and requirements for a fair and just review of the current value of my home for a current XXXX ratio for PMI removal consideration. Including whether or not they are requiring me to obtain my own paid for out-of-pocket home appraisal for review of the current market value and whether or not it will even be accepted as a legitimate source if so. 

Any assistance your Bureau can provide is greatly appreciated.

Sincere thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (TX)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by meXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-31
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. (IL)

I have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX  bal. {$840.00}, XXXX bal. {$7300.00}, XXXX bal. {$150.00}, XXXX XXXX. {$2100.00}
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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. 

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX, XXXX. : # XXXX, XXXX XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX 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 2024-08-31
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. (PA)

Tonight, I was very disappointed to discover unauthorized inquiries on my credit report, and I have no idea how they got there. When I checked my report as I usually do, these discrepancies suddenly appeared. I even refreshed the page, hoping it was just a mistake, but the inquiries still showed up. Im asking for a thorough review of the documents Ive sent to ensure this issue is resolved, so I dont have to worry about it anymore.
Consumer complaint received 2024-10-30
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. (IL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-08-14
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. (IA)

Went to go buy a truck told salesman i was already pre approved through XXXX  XXXX XXXX didnot know he ran my credit through 4 different credit sites until weeks later when I looked at my credit report
Consumer complaint received 2023-04-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I has sent multiple letters over the last 3 month trying to make XXXX  and experian follow the law. First letter was received by XXXX on XXXX. Experian received theirs on XXXX. Second letter received by XXXX and experian on XXXX. Third letters were received XXXX by both credit bureaus. Fourth letters received XXXX. All of these letters demanding several accounts be removed from my credit report as XXXX and experian are in violation of : 15 USC 1681 section 602A 15 USC 1681 section 604A sec 2 15 USC 1681c a5 15 USC 1681s-2 ( a ) ( 1 ) I have made every attempt to settle this matter outside of court. The bureaus simple refuse to follow the law. I am demanding one last time that the accounts i ask them to delete from my report be deleted immediately. Otherwise i will have no choice but to file a claim against XXXX and experian for multiple violations of the FCRA, the ECOA, and the Privacy act. XXXX had no problem following the law and removing these items. XXXX and experian must follow suit and do the same as they are all required by law to report accurate information. All three reports must match. 
30 days is almost up and they have not removed the items from my credit report. They are giving me no choice but to file a claim against them.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (CA)

I have disputed this collection multiple times with XXXX and they remove it but XXXX XXXX XXXX keeps putting it back on my account without real proof that it was me that got service with them. 

I called XXXX XXXX XXXX and they said that they didnt have an account with my name or phone number and placed the blame on AMERASSIST AR SOLUTION and when I spoke to Amerassist AR Solution they put the blame XXXX  XXXX XXXX stating that they put me in collections and I should file a police report. I do not have an account with XXXX XXXX XXXX so there shouldnt be a collection with my name from them and Amerassist AR Solution. 

XXXX told me to file a complaint with you all first.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-08-07
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: EQUIFAX, INC. (TX)

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.

The letters are stated with items and issues.

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 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (GA)

There are several billing errors in my contract. Under 15 USC 1640 Claim, you have failed to comply with these requirements and are in violation of these laws ( listed below ) : Plain Statement of Facts Fact, the Truth in Lending Act is intended to inform consumers about the cost of credit. 
Fact, the Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

XXXX. Violation # XXXX - XXXX XXXX XXXX failed to provide proof of FULL DISCLOSURE to all matters dealing with the above loan and said agreement and contract as required by law in the Truth-in-Lending Act pursuant to 15 USC 6803. The law states I need to give written consent to give out my private information. It was sent to a third-party affiliate for approval, which is a violation because I didnt consent to it. The original lender willfully committed fraud of inducement in executing the contract through their lack of full disclosure. XXXX believes there is no proof to the contrary. 

XXXX. Violation # XXXX - XXXX XXXX XXXX brought forward and loaned its own 'CREDIT ' within the Transaction/Contract. Banks do not have the authority to create nor loan out credit and have committed unlawful acts of fraud and have violated SEC rules and regulations. XXXX believes there is no proof to the contrary, according to 16 CFR 433.1. The purchase money for the loan was already paid for when I put my signature on the documents. According to, 18 USC 8, all debts public or private are the obligation of the United States. 

XXXX. Violation # XXXX XXXX XXXX XXXX XXXX several violations : It wasnt a sum of all charges, my insurance is not included, and it was not cash in hand. Also, XXXX XXXX XXXX also violated my rights when they called me about the debt on several occasions, which under act 15 USC 1692 is a violation. 

XXXX. Violation # XXXX XXXX XXXX XXXX XXXX an illegal act under 15 USC 1605A by taking my {$10000.00} down payment on the car. It is against the law because this is a part of the finance charge. 

XXXX. Violation # XXXX XXXX XXXX XXXX committed an illegal act under 15 USC Code 1605 with the XXXX XXXX XXXX XXXX because it is NOT THE SUM OF ALL CHARGES and a finance charge can only be paid for money in hand. 

Under act 15 USC 1640 Relief, you are civically liable. 16 CFR 433.3 also states that only sellers that are exempt from these laws/codes if the consumer credit contract was written before XX/XX/1977.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America fraud dispute claim XXXX for card number ending in XXXX On XX/XX/22 I received a call in the early evening from BOA asking whether or not I made a series of 5 transactions totaling {$8500.00}. Four transactions were made at one XXXX store and one transaction was made in another XXXX store. I replied that I did not make or authorize the purchases and I still had the card in my possession. The investigation by the bank concluded that I made the purchases since the purchases were made in person. I dispute this and have filed a police report with the XXXX precinct in XXXX.
Consumer complaint received 2024-11-19
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. (VA)

I have disputed the Charged Off XXXX account currently being reported by TransUnion. After a recent complaint filed with TransUnion, they finally removed the fraudulent account from my reporting only to place it right back several weeks later. At this point I feel like TransUnion is harassing me and causing hardship. I demand they cease reporting this XXXX account # XXXX.