davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

On XX/XX/2019 I was scam.I made a wire transfer for XXXX US dollars from my Citibank account to Citibank XXXX ( XXXX ) at the name of XXXX XXXX XXXX XXXX, XXXX with I am making bussiness for more than 5 years. The money was transfer to a third person because the corporation does not have an account in XXXX. 

I reported in the properly times the case ( CIT XXXX ), They make wait 3 months to tell me only want to refund me XXXX US dollars. That is a joke for me. I claim to a second review for the case and I got an email from XXXX XXXX | Case Researcher | Citibank Executive Response Unit (  XXXX ) she is going to give me a response to XX/XX/XXXX but she did not fulfilled it. I wrote them 2 emails more and called her several times at different hours with no response. I record her 2 voice message What Im claiming is a full refund because at the moment the transfer was made I provided all the information required by Citibank as : -Account Number -Account holder name -Adress -Phone number The account number, adress and phone number do not match with the account holder name. This is basic! a simple security verification. Why are they asking me all the information if they are not going to check them. This is bureaucracy and a weakness in the security procedures from the bank. There is no excuses because Citibank US and XXXX are the same bank, They know who received the money, and they are protecting them, is against the law, I can suspect the bank is coverin them up. 

XXXX XXXX XXXX
Consumer complaint received 2024-11-20
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)

I am filing a complaint regarding inaccurate reporting by all three credit bureausEquifax, XXXX, and XXXX multiple accounts. The issues include : XXXX. Incorrect reporting of account opening dates. 
XXXX. Inaccurate reporting of late and on-time payment history. 
XXXX. Inconsistent information across credit bureaus for the same accounts. 

The accounts affected are : XXXX Bank ( Account ending in XXXX, {$1700.00} ) XXXX Financial ( Account ending in XXXX, {$0.00} ) XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXX, {$2000.00} ) XXXX  ( Account ending in XXXX, {$2200.00} ) XXXX XXXX ( Account ending in XXXX XXXX {$0.00} ) XXXXXXXX These inaccuracies violate the Fair Credit Reporting Act XXXX FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum accuracy, and 15 U.S.C. 1681i ( a ), which obligates credit bureaus to investigate and correct disputes. The failure to resolve these errors within the 30-day period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) demonstrates noncompliance.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certegy Holdings, LLC (GA)

never received anything in the mail from this company. They never have said this was an attempt to collect a debt in any of their conversation. They refused to have a manager contact me. They refuse to send me a paid in full letter, They charged me {$60.00} per check. Which they had a total of 6 stop payment checks. Bank stopped payment in error. They refused to waive the Return check fee, even though it wasn't my fault. The people there don't seem like they know what they are doing. Different stories. spoke wit hXXXX ID XXXXXXXX. refused to allow me speak to a manager. Refused to give me a paid in letter, refused to give me a letter stating how much they charged me in fees. I also re guested for them to send me a letter who they were. Refused. Which should have been sent to PO BOX XXXX XXXX, GA XXXX
Consumer complaint received 2019-12-28
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: JPMORGAN CHASE & CO. (NJ)

The following accounts from XXXX inquirydate XXXX, JPMCB CARD inquiry date XX/XX/2019, XXXX XXXX inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Contacted XXXX and Explained that most of my account are listed as past due and negative although a Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and Converted to a Chapter XXXX in XX/XX/XXXX. The accounts were updated as negative and Charged off since XX/XX/XXXX. Resulting in my account noting 34 past dues and negative status These accounts should've been noted once and not noted for every month since XX/XX/XXXX. 

I need all of these errors and unverifiable information and error deleted from my files. XXXX accounts that were duplicated and fraudulently opened.
Consumer complaint received 2019-12-28
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. (IN)

XXXX XXXX XXXX my idenity was compromised. As a result the fraudulent accounts listed below were opened in my name. The accounts listed below are currently reporting on my Experian credit file. I demand that Experian immediately remove the list of accounts below from my credit file. This is a violation of FCRA. If not, I will pursue further legal action.
Consumer complaint received 2019-10-18
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: EQUIFAX, INC. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX FL XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America Platinum Honors Premium Rewards Signature Visa Credit Card. Bank of America disputes department failed to assert three disputes on my behalf. The case numbers for the disputes are XXXX, XXXX, and XXXX. 

From XX/XX/2019 to present, I have repeatedly attempted to dispute the transactions, but Bank of America has failed to process the disputes. In each case, the disputes representative has only asserted that " the merchant has stated the charges are valid, '' and has failed to request information from me or process a chargeback.
Consumer complaint received 2019-10-18
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: EQUIFAX, INC. (CA)

THE ACCOUNTS DISPUTED ARE NOT TRANSACTIONS MADE BY ME. THESE INACCURATELY PLACED ACCOUNTS NEED TO BE REMOVED OFF MY ACCOUNT FOR THEY HAVE CAUSED HARM TO MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (FL)

It is my understanding that a bank CAN NOT charge an overdraft fee for a monthly banking fee. On XX/XX/XXXX my CITIbank account had XXXX XXXX  in it.. a monthly service fee was charged to me on XX/XX/XXXX putting me XXXX dollars to which the bank then overdrafted me XXXX $ on XX/XX/XXXX ... so i was charged XXXX dollars for not having the money in my account for a monthly service fee..
Consumer complaint received 2019-12-30
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: EQUIFAX, INC. (MD)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX , XXXX Inquiry Date : XX/XX/2017
Consumer complaint received 2019-10-18
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: EQUIFAX, INC. (GA)

I checked my personal credit report, which, I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. 

By law, per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. 

If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 

XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Auto Finance Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Auto Finance Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX - Direct Inquiry from XX/XX/XXXX If you find the inquiries referenced above to be valid through physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2019-10-18
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6200.00}
Consumer complaint received 2024-11-19
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. (TX)

I'm a victim of identity theft whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquires and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in this matter.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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. 


XXXX XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Consumer complaint received 2020-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MI)

I dont remember the date but this debt fell off my credit report after 7 years not even 6 months later it reappears on one of the 3 reports in XX/XX/2017 never received any calls or notices in the mail. The creditor in question is convergent outsourcing inc . I dont see how it is legal for them to reopen a collections with out contacting the person who had the debt.
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is not a duplicate report and this submission is not filed by 3rd party. The name on this submission is the individual filing this report. After obtaining a fresh copy of my credit report I noticed that there are some Hard Inquiries that I have no knowledge of nor did I authorize these Hard Inquiries to be furnished on my consumer report. The Hard Inquiries are as follows : XXXX 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 XXXX XXXX XXXX XXXX XXXX They also violated my rights under 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. Please remove and delete the above Hard Inquiries from my consumer report. I also filed an identity theft report and will be attaching it to this submission. Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory
cost of {$1000.00} each Per 15 U.S.C 1692k : Please remove these hard inquiries from my consumer report. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. 

I expect this letter to be taken seriously and I demand this fraudulent account be removed from my report as I have provided you with the required pieces of information. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (GA)

I XXXX XXXX XXXX went to XXXX XXXX  to apply for a credit card I use my passport and my social security card as the XXXX forms of identification the banker told me I will receive something in the mail in correspondence to receiving the credit card. On XX/XX/XXXX I received a statement in the mail regarding the credit card from XXXX XXXX. The name on the statement says XXXX XXXX XXXX which is a indication to me that Experian and XXXX XXXXs are providing false and misleading information about my identity that not on my passport and social security card which I can provide proof of my claim. XXXX XXXX was the banker that assisted me with my application he can also verify the fact that I provided to him my passport and social security card. He is the assistant vice president Private client bankers. XXXX XXXX  was given this information provided to them by Experian address XXXX XXXX XXXX XXXX Texas XXXX. I had sent Experian a copy of my biling statement which is my water bill that has my name and address on it XXXX XXXX XXXX also a copy of my social security card and experience still insist on providing false and misleading information on my consumer report, which would be the name XXXX XXXX XXXX this name is not on my passport or social security card. This complaint is to address the fact that there are XXXX names being used by the credit bureaus that's causing hardship. I am not XXXX people using XXXX social security number this is causing me hardship. My social security number is XXXX The name XXXX XXXX XXXX.
Consumer complaint received 2019-12-28
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. (VA)

I recently filed a chapter XXXX bankruptcy. The account XXXX XXXX with the original creditor being XXXX was included but is still showing as an open account with a XXXX balance. I have tried disputing this through XXXX several times.
Consumer complaint received 2024-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was shopping for a new car at. XXXX XXXX and they pulled my credit report 3 or 4 times in a row and I wanted to get it reduced back to 1 hard inquiry because I bought the 1 car I was looking at.