davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Hi, I 'm a Citibank customer. They offered saving promotion which you deposit Requirement : {$25000.00} minimum and then you would get {$700.00} Savings Bonus after 3 months. 
So I applied for the promotion online around in mid-XX/XX/XXXX. 

Then after around 2 months, I called Citibank and asked about the reward. The customer support told me that it is not 3 months yet and told me to call back later and gave me the promotion code. Promotion code : XXXX. Then around 4~5 months time, I called in again and asked why I have n't received the money. Then the customer support told me because many people applied for the reward Citibank has to gather the money and distribute all the money at once and asked me to wait. 

Then in XX/XX/XXXX, I called in again and asked why I still have n't got the reward. This time Citibank told me I do not qualify for the promotion so I that is why I have n't got the money. I told them why I 'm not qualified, I kept {$25000.00} in the saving account. They told me I did n't deposit the money during that promotion time and was deposit before. Then I asked them, then why did n't you tell me the first time I called the customer support. This is the 3rd time I call and you are telling me I do not qualify after all these months. Why did n't tell me the first time? They blamed on the previous customer support and I was furious. 

This is really bad business practice and a dishonest bank.
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: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.
Consumer complaint received 2024-11-07
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 victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-07
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-07
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. (MI)

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 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-07
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. (AR)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-11-07
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. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-07
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. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX*********** Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX  XXXX Balance Owed : {$2900.00}
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts : 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 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

on XXXX XXXX 2018, I noticed a credit inquiry from XXXX on my credit report. I immediately called the phone number listed with the inquiry ( XXXX ) XXXX, and was told they had no reference of my name, address, or social security number. There is a block on my social security number, and ANY institution is to call me BEFORE running any type of credit, yet again my credit was ran without my consent. This has been happening for the past year, and not one creditor has bothered to call before running my credit. I need this to stop IMMEDIATELY. I need all inquiries REMOVED from all three credit reports! This has been ongoing, and I write letters, and nothing happens. This needs to be resolved immediately with all credit inquiries removed from all three credit bureaus.
Consumer complaint received 2018-01-22
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: CITIBANK, N.A. (FL)

our card was used and we filed a police report and the lady at citi denied our claim she violated our rights under the FCBA and now where out the money that was used plus XXXX in personal time she has the united travel docs to prove that we wernt even in the country
Consumer complaint received 2018-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I purchased my car in XX/XX/XXXX. The loan is through Ally. I have had nothing but problems with this loan from the beginning. My payments were not being applied to the account in a timely manner. I resorted to mailing most payments by priority or certified mail. ( When I could do so. ) Again, a payment has not been posted to my account. This payment was mailed on XX/XX/XXXX. I have requested a " pay-off '' amount. Just to get this loan away from Ally. I have not received that as of today. Phone calls from this company originate from off-shore and I do not supply or confirm any personal self identifying information over the phone. ( Especially to someone located outside of the US, that is unable to speak and understand English in a clear or concise manner. ) There is approximately XXXX attached to this loan in late fee 's, which I believe is intentional on the part of Ally. I also believe that some of the actions by Ally, are due to my age and gender. ( Age and gender discrimination. ) I have never had as many problems with a company as I have had with Ally. I want Ally to furnish the requested pay-off amount, so that this account can be closed with this company as soon as possible. I am also requesting that a itemized statement concerning the late fees charged to this account, so that they can be compared with the postal receipts. Ally, needs to be investigated for the way they treat their older female customers.
Consumer complaint received 2024-11-07
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

My ex wife and I got a new vehicle loan from navy federal credit union for XXXX. We purchased a XXXX XXXX XXXX for XXXX and XXXX after tax, title and licensing. My car note was XXXX dollars per month for 60 months. For the first 32 months I never missed a payment totaling XXXX dollars. I also traded in a vehicle valued at XXXX dollars. After the first 32 months I refinanced for a lower payment which was reduced to XXXX per month. I assumed payments and payed over XXXX dollars over the next year and a half. My payments totaled over XXXX dollars with a few late payments and nfcu still said I owed XXXX dollars for this vehicle. After getting divorced I called NFCU to relinquish the vehicle because I could not afford it anymore and they agreed to pick it up. Within the next 72 hours they said the vehicle was totaled and they would not pick it up and that I was liable for the amount. But, I had already paid over the amount for that vehicle and It was not totaled it was still fully functional.
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received 3 letters from TransUnion Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). 

Soon after receiving this information I submitted Dispute Letters to ( TransUnion, XXXX, & XXXX ) with the above derogatory account information on it that was given to me from TransUnion. 

I received a response from TransUnion dated XX/XX/XXXX(  less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. 

I submitted another Dispute Letter only to receive a TransUnion response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to TransUnion , our records show that the information you disputed does not currently appear on your TransUnion credit report. 

The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from TransUnion credit monitoring. 

I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now XXXX  dropped another 7 points! I work very hard to get where I am at. 

So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which TransUnion and XXXX   now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : TransUnion, XXXX  and XXXX  each received a letter from me disputing this account and asking for validation.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (PA)

I made several transfers of US $ to XXXX, a US company using my PNC debit card, for the purposes of investing it into digital currency. Unbeknown to me, PNC allowed 3 % of the face value of the US $ transfer to XXXX to be debited from my checking account. The payments were described as POS international fees on my checking account statement and were debited several times between XX/XX/XXXX and XX/XX/XXXX. PNCs excuse is that the US $ payments are routed through a US $ clearing account based in the XXXX XXXX and so they were entitled to charge fees as if my debit card had been used overseas. The aggregate amount of the fees charged total around {$100.00}. 

PNC have refused to file a complaint against XXXX or XXXX correspondent bank and have told me I am only entitled to dispute the transactions. I can not consciously dispute the transactions for two reasons. 1 ). The transactions were genuine and I willingly authorized the US $ transfers to XXXX. 2 ). XXXX currently has several $ thousands of my money sitting in their account. However, I did not authorize anyone to take a 3 % processing charge for the pleasure of wiring US $ into a US $ based account held in California with a US company. 

PNC have refused to take any other action other than giving me the option to dispute the transactions ( which as explained above are valid ). They have refused to allow me to dispute the 3 % processing charge. On a call today with PNC at XXXX today, they have confirmed to me that the dispute resolution process with them is now concluded. They also refused on the call, to provide any further information about who their regulator is or any details of how I can make a complaint against PNC for refusing to help resolve this matter.
Consumer complaint received 2018-01-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (FL)

Company Speedy Cash onXX/XX/XXXX amount of {$310.00} Speedy Cash on XX/XX/XXXX amount {$260.00} Speedy Cash on XX/XX/XXXX amount {$310.00} Speedy Cash on XX/XX/XXXX amount {$290.00} Speedy Cash on XX/XX/XXXX amount {$300.00} Speedy Cash on XX/XX/XXXX amount {$310.00} I have disputed these loans several times through the credit disputes and this creditor keeps me in debt of these loans that I have not taken out.. I took out a loan in XX/XX/XXXX that was paid off and I also took out a loan XX/XX/XXXX that was unpaid because I have not straightened out these other fraudulent loans on my credit.. I have asked this company several times to remove or show proof that I applied for these loans or even received any money from these loans but they would not show proof or any documents.. I have been trying for years to resolve this issue .. it is tearing my life and credit apart.. I keep disputing but no avail. the credit bureaus have incompetently filed a dispute but they have not resolved the matter or gotten any proof from the company. Please have this company remove these fraudulent loans from my credit or show any documents showing this was me.. I filed an identity theft on my report also but that did not resolve the issue either
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OK)

Ditech has held XXXX for 6 months and keeps telling me they mailed a check 30 to 45 days ago i call its a different story everyone i talk to, they mailed it has been lost, then they tell me they will wire transfer it then it got mailed, or lost in the mail .it was in there system till XX/XX/2018, i was told it was mailed on XX/XX/2018. i have called and called they do nothing but tell me it has been mailed or lost in the mail, they can send my statements for making payments but cant return my money they owe me, Account XXXX
Consumer complaint received 2018-01-22
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. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.