davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
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)

In XX/XX/2020, I signed up to try XXXX XXXX XXXX. I never received a copy of the contract, so I contacted the company to cancel. I was able to cancel with XXXX XXXX XXXX and asked that they put through a credit to the Citibank Credit Card I utilized. Instead of putting through a credit for the initial payment. XXXX XXXX XXXX keeps charging my Citibank ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 ). I was able to dispute the XX/XX/XXXX charge with Citibank but unable to dispute the XX/XX/XXXX, and XX/XX/2020 charges. I have contacted both XXXX XXXX XXXX ( XXXX, XXXX and XX/XX/2020 ), and spoke with customer service about issuing credit for the XXXX. 
Next, when I have reached out to Citibank customer service, due to COVID 19, I waited on hold, and when I made contact -- the customer service representative hung up on me. Due to this, I wrote a letter in XX/XX/2020 asking that the XXXX XXXX XXXX credit be addressed. Which no movement has taken place. 
Also, back in the beginning of XX/XX/2020, I had a XXXX credit carry forward on my XX/XX/2020 statement. Someone at Citibank changed my credit card, account number previously ending in XXXX to XXXX without my consent, and when they changed the card. The balance disappeared also.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX and XXXX are showing late on my credit report. However, I spoke with an agent from XXXX several times to discuss the situation, but nothing was done. I updated my bank account information with an agent, however, the old account was not removed, which created late payments.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I noticed an account XXXX XXXX account on my consumer report that I did not recognize. Therefore, I disputed the account with Transunion, through the CFPB ( see attached ). According to federal law under FCRA, Section 611 ( a ) ( 8 ), an agency as an obligation to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a notice of dispute. It has been more than 30 days and there has not been any response from the agency nor has there been any deletion. According to federal law this account must be deleted from my consumer report. If deletion is not processed upon receipt of this notice, I will pursue my private right of action under FCRA.
Consumer complaint received 2023-10-30
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC (IA)

On XX/XX/XXXX  at XXXX XXXX, I received a phone call from XXXX. The agent said they were calling from Flagship Credit and wanted to know if I could give them information on how to contact my sister. I explained, not so very nicely, that I haven't spoken to my sister in over 10 years and as far as I'm concerned my sister could drop dead. I then told them never to call me again. They apologized and agreed not to call me again. On XX/XX/2023 at XXXX XXXX, I received another phone call from XXXX. The agent once again identified themselves as Flagship Credit and wanted information on how to contact my sister. I started yelling at them and repeated once again that I have not talked to her in over 10 years and to stop calling me. They apologized and said the calls would stop. I said, " You guys already agreed to stop calling me the last time, yet here you are calling me once again! Stop calling me! ". Today ( XX/XX/XXXX  ) at XXXX XXXX, I received a phone call from that same number ( XXXX ). The agent said he was calling from Flagship credit and wanted info on how to contact my sister. I started screaming at him and told him I'm tired of the calls! I explained that my phone number is on the National Do Not Call Registry and they have no business calling me! Especially since they agreed to stop! I'm assuming they are trying to collect a debt from my sister. After the 1st phone call I received from them, I googled Flagship Credit and it said they give auto loans to people with sub prime credit. This is not my debt! I am tired of these calls! What can be done?
Consumer complaint received 2023-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. ()

Ref : missing paper statements and no answer from Citibank This is the second time I am writing to the CFPB regarding missing monthly paper statements from Citibank. I expect Citibank to deliver my monthly paper statements, and to deliver them in a timely manner. 

A year ago I filed a complaint ( attached ) and since then I have received three statements instead of twelve, with a 2-3 months delay. The last one I received on XX/XX/XXXX, for the settlement period ending XX/XX/XXXX, which is 3 months late. Citibank does not fulfill its obligation to deliver the statements, moreover to deliver them in a promptly manner. 

FYI, the letters sent via the XXXX go XXXX weeks from the US to XXXX, and letters mailed within XXXX go XXXX working days. 
Citibank Client Services provides customer account services for Citibank , N.A., offering both paper and electronic statements, and I prefer paper ones. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A YEAR AGO - attachement XXXX, XXXX XX/XX/XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX COMPLAINT Ref : missing paper statements and no answer from Citibank. 
I have been not receiving my monthly paper statements of Citibank , N.A . since XX/XX/XXXX. I expect Citibank to answer my complaint and to deliver my paper statements in a timely manner. 

Citibank Client Services provides customer account services for Citibank , N.A., offering both paper and electronic statements, and I prefer paper ones. 
I have not received an answer from the Citibank Client Services, to my complaint sent on XX/XX/XXXX, i.e. four and a half months ago. I have written : Please mail them to me ( the missing statements ). Please be advised, that in case of errors or questions, my inquiries may be several months late. Furthermore, your three-month delay is not the fulfillment of your obligation to provide monthly statements. 
Instead, the letters sent by the XXXX go XXXX weeks, from the US to XXXX, and ordinary letters mailed in XXXX go 2 working days. 

Previously, after almost 3 months I did receive the statement for the period ending XX/XX/XXXX. Only after 3 and a half months for the period ending XX/XX/XXXX, and here the adhesive sticker on the original Citi envelope says ( translated into English ) : SENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), ( private entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Postal Service, equivalent to the XXXX ) Posted from : XXXX ( XXXX ) Posted on : XX/XX/XXXX I received this statement on XX/XX/XXXX. 

I expect Citibank to answer my complaint and to deliver my paper statements in a timely manner.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

BMO bought out Bank of the West. I was told my same login information for Bank of the West would work for BMO. That has not been the case. I have not had access to my accounts since the beginning of XXXX. I can not contact anyone at BMO because I can not give the machine a valid account number because they haven't given me one. I have been to the branch 4 times to no avail. I have no spent enough of MY time fixing THEIR ISSUE. I want access to my account. If any fees have been assessed because I want them returned.
Consumer complaint received 2023-06-27
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: GOLDMAN SACHS BANK USA (CA)

Remark Code " Dispute resolved, Customer disagrees '' was added to my credit report between XX/XX/XXXX - XX/XX/XXXX this remark code needs to be removed. The Dispute has been closed in my favor and the temporary credit given has been made permanent to me. 

Given that the dispute has closed in my favor and the temporary credit has been given to me. 

The remark code " Dispute resolved, Customer disagrees '' Should be removed immediately.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-27
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. (VT)

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I never authorized any inquires that is on my credit report. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-27
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. (PA)

I started sending disputes since XX/XX/2023 about inaccurate accounts on my credit report. I mailed certified letters the each credit b about the inaccurate accounts on my credit profile. After that I mailed out letters on XXXX to address some of the same issues and still they were not fixed, last I mailed out letters on XX/XX/2023. After I checked my credit report there are still accounts reporting inaccurate on my credit report. These accounts are still showing inaccurate information. I will attach the letters that were last sent out with the tracking numbers for all complaints sent out. This is causing me so much stress now and I want justice. 

These are the accounts that I am talking about : XXXX # XXXX the date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX # XXXX The date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX XXXX XXXX shows that I had late payments and they did not send any proof, which I requested a bank statement showing when I was late.
Consumer complaint received 2023-06-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-11-23
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. (TX)

I am writing to express my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. 

I initially disputed the late open account, providing all necessary documentation and following the prescribed dispute resolution procedures. Unfortunately, despite my repeated efforts, the correction has not been implemented, and the inaccurate information remains on my credit report. 
An account on my credit report is erroneously marked as having been opened late, despite evidence of a timely and proper account initiation. This misinformation is adversely impacting my XXXX XXXX and creating a misleading representation of my credit history. 

I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is both frustrating and unacceptable. These inaccuracies are causing tangible harm to my credit profile, affecting my ability to secure favorable financial terms and impacting various aspects of my financial life. 

I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. Additionally, I request a detailed written explanation for the continued error and the measures being taken to prevent such issues in the future. 

If necessary, I am prepared to escalate this matter to relevant regulatory authorities to ensure a fair and timely resolution. I believe in the importance of accurate credit reporting for both consumers and creditors, and I trust that Credit Bureaus shares this commitment. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX  XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {XXXX} ; XXXX XXXX Balance : {XXXX}.
Consumer complaint received 2023-06-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-06-27
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: Bread Financial Holdings, Inc. (NV)

I am deeply concerned about the derogatory rating attached to the account that is being reported. This situation is troubling as it has already had adverse effects on my credit. I recently experienced a loan denial, and my existing credit accounts have also seen an increase in interest rates. It is important to highlight that this negative rating has resulted in significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
Consumer complaint received 2023-10-11
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. (VA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX, XXXX. XXXX ; XXXX  XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX  Account number:XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX has violated my rights. Or list of inquiries 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.