davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

On XXXX I made a payment of {$500.00} and it was never applied to my available balance. On XXXX I made a substantial payment in the amount of {$10000.00} via phone with a supervisor and confirmed the funds would be available immediately for use. The {$10000.00} was available via immediate use, but I was unable to use it because I found out that the {$500.00} had not been applied yet and was being held by CITI. I immediately called and asked to please release the {$500.00} from two weeks prior and they said they could not. A supervisor named XXXX XXXX ID # XXXX out of XXXX XXXX appeared to be assisting and said he called XXXX bank on the other end to verify that it had clear3ed my bank but that he was unable to XXXX way the call. I explained thrice it had cleared my bank on XXXX. He said not to worry that it was already automatically set to clear on XXXX. I explained to him I could NOT wait I needed the funds immediately and that the only reason I paid the $ XXXX was because I did not have my debit card and desperately needed to pay for material for repairs. I was currently and still am under a deferral with CITI bank through XX/XX/XXXX. They are also requesting payments and threatening me to be late. This was not to occur. 

I was NEVER able to use the {$10000.00} because when the {$500.00} was finally released they simultaneously reduced my credit limit from {$18000.00} to {$9100.00}! They completely took the $ XXXX I desperately needed for repairs! I truly suspect that the account manager XXXX had something to do with this because credit reviews and limit changes usually take place at the end or beginning of a new statement cycle and this just happened together with my payment and in the middle of the statement. This has never happened to me in 10 years and I have made chunks of payments here and there. I can not believe they did this during a hardship 60 days either. 

I called within XXXX hours of XXXX ask them to please cancel the payment and refund it. They said there would be an investigation and would take XXXX business days. On the XXXX business day XXXX I called and asked why I have not been refunded they said a letter was sent to me and that I had to respond. The letter asked if I still wanted a refund although doing so would result in me being over my credit limit. I said YES I desperately need the money for repairs. They said it would then take another XXXX business days and another investigation! It is now XXXX 6 days later and still not a refund. They said it would be refunded back to the original card. 

Please note I was promised multiple times my complaints were noted and never were.
Consumer complaint received 2023-12-02
Product: Credit 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: OneMain Finance Corporation (TX)

A 30 day late payment was applied to my credit report, for a card that was not activated or used. I had no knowledge of the card and the company keeps sending me emails daily requesting {$68.00} annual fee for a card that has a limit of {$500.00}. I didn't know about the card otherwise I would not let {$68.00} ruin my credit. I tried to explain this to the company and they said they would send me a fraud affidavid. I have not received it, but keep getting emails and alerts on my credit. They are dragging this process out, and I don't want to get a 60 day late on my credit while waiting. I don't want to pay for something that I didn't know anything about. This company needs to be investigated as the customer service was not helpful and trying to ruin my credit.
Consumer complaint received 2024-07-27
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)

XXXX {$340.00} I am writing to file a complaint against XXXX XXXX XXXX  and Credit Reporting Agencies ( CRAs ) XXXX, XXXX and TransUnion for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Consumer complaint received 2023-12-04
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. (KY)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has come to my attention that fraudulent accounts are staining my credit report, negatively affecting my overall financial standing. I insist on the immediate removal of these accounts to rectify the inaccuracies and restore the integrity of my credit history. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
The presence of these fraudulent accounts is not only damaging my creditworthiness but also hindering my ability to secure favorable financial terms. I demand that your bureau conducts a thorough and expedited investigation into these accounts and takes prompt action to delete them from my credit report. 
I must emphasize that the continued inclusion of these fraudulent entries is causing severe distress and harm to my financial well-being. It is imperative that your bureau upholds the standards outlined in the Fair Credit Reporting Act ( FCRA ) and ensures the accuracy and fairness of the information it reports.
Consumer complaint received 2023-12-04
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. (WI)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IL)

This letter constitutes a formal demand for validation of the debt pursuant to the FDCPA, 15 U. S. C.1692g . Please be advised that I dispute the validity of this debt in its entirety, and I request that you provide immediate verification and substantiation of your legal right to collect.

In accordance with the FDCPA, I respectfully request the following documentation : 1. ) Proof of Indebtedness and Original Agreement You are required to furnish verifiable proof of the existence of the debt, including, but not limited to, a signed copy of the original contrac
t or agreement between myself and the original creditor which forms the basis of the alleged debt. Mere account statements are insufficient for compliance.

2. ) Chain of Assignment and Legal Authority You are not the original creditor, I demand that you produce the full chain of assignment or sale of the debt. This m
ust include all documentation that legally transferred the right to collect the debt from the original creditor to your agency, including any intermediary assignments or agreements. Failure to provide such documentation will indicate that you lack the standing to pursue collection activities.

3. ) Complete Payment History I request a comprehensive account ledger or payment history detailing the original amount of debt any and all payments or credits applied, the current balance and a breakdown of any interest, fees, or penalties applied to the account since its inception. This information must clearly demonstrate the validity and accuracy of the balance you claim is owed.

4. ) Proof of Your Agency Authority to Collect Provide documentation that demonstrates your agency is licensed, bonded, and legally authorized to collect debts in the jurisdiction in which I reside, pursuant to state laws governing debt collection practices. Failure to comply with state licensing requirements will render any collection efforts null and void. 
Until you provide the requisite documentation as outlined above, I hereby demand that you IMMEDIATELY CEASE all collection activities related to this alleged debt. This includes, but not limited to, direct communication with me, attempts to contact me through third party and any further reporting of this debt to the credit reporting agencies.

NOTICE OF REPORTING OBLIGATIONS Further, I hearby place you on notice that reporting an unverified and disputed debt to ANY of the major credit bureaus constitutes a violation of the FCRA, 15 U.S.C.1681s-2 ( b ), as well as the FDCPA. If you are unable to validate this debt in accordance with my legal request, you are required to immediately remove any references to this debt from my credit report. 
REMEDY FOR NON COMPLIANCE Please be advised should you fail to provide adequate validation of this debt within 30 days of receipt of this letter, I will consider this matter closed and will regard any future collection attempts as a violation of FDCPA
Consumer complaint received 2024-07-28
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. (NY)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-12-04
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. (MD)

Trans Union, XXXX, and XXXX are housing and inaccurately reporting my non-public personal information to nonaffiliated third parties for unjust enrichment. As required by 12 CFR 1016.7, I was never provided a clear and conspicuous notice accurately explaining my inalienable right to opt out of my nonpublic personal information being shared with nonaffiliated third parties as provided under 12 CFR 1016.10 ( a ). Trans Union did NOT provide reasonable means by which I may exercise my right to opt out. This gross negligence is placing a restraint on my ability to operate in commerce and severely impairing my inalienable right to Life, Liberty, and the pursuit of Happiness.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am writing to dispute the following information in my file, and have noted the relevant disputes. Upon a closer review, I found several accounts and credit inquiries that had been hit by my name aside from those which were unauthorized or unrecognized XXXX the postings do not seem appropriate to my credit history ; but are incorrect account entries, or are accounts created due to identity theft. Due to the presence of these incorrect items, it has lowered my credit score and affected some personal finance. This has been a major worry as i have wrongful bad credit being attached to my file which in turn is not true history of how i use, spend or manage money.
Consumer complaint received 2023-04-04
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.
Consumer complaint received 2023-12-04
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. (FL)

I am writing to bring to your attention a persistent issue on my credit report that requires immediate attention. Despite multiple attempts to correct the matter, a late open account continues to be inaccurately reported, adversely affecting my creditworthiness. 

I have diligently followed the proper dispute procedures, providing supporting documentation and details to substantiate my claims. Unfortunately, my previous attempts have not resulted in the necessary correction, and this inaccuracy remains on my credit report. 

I understand the importance of maintaining an accurate credit report, and the presence of this late open account is causing undue harm to my financial standing. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies promptly. 

I urgently request that you conduct a swift and thorough investigation into this matter, with the expectation of the following : I have attached supporting documentation, including driver 's license, XXXX, and Proof of Address. 

I anticipate your prompt attention to this matter, and I kindly request a written response within 15 days, as stipulated by the FCRA. The resolution of this issue is critical to restoring the accuracy of my credit report and maintaining my financial well-being. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : {$160.00}.
Consumer complaint received 2023-12-04
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. (TN)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND THAT SOMEONE STOLE MY IDENTITY TO OPEN CREDIT CARDS, CAR LOANS, PERSONAL LOANS AND XXXX. PLEASE REMOVE I HAVE SENT MULTIPLE CERTIFIED LETTERS TO THIS COMPANY AND HAVE NEVER RECEIVED A RESPONSE PLEASE HELP ME I WILL LIST ALL INCORRECT INFORMATION BELOW. I HAVE ALSO FILED A IDENTITY THEFT REPORT WITH THE FTC WHICH I WILL ATTACH TO THIS FORMAL COMPLAINT. 

ALL INCORRECT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NEW YORK COMMUNITY BANCORP INC (MI)

XX/XX/year>XXXX  on my credit report says that a account was opened with flagstaff bank once again I never gave any consent to use my information or had any acknowledgment of such which is illegal. I have an outstanding balance of {$250.00} thats negatively impacting my credit score
Consumer complaint received 2023-12-04
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 express my deep concern and frustration regarding the presence of fraudulent items on my credit report. Despite making multiple attempts to rectify this issue, the fraudulent items persist, negatively impacting my creditworthiness and causing considerable distress. 

I have followed the appropriate dispute procedures and submitted the necessary documentation to validate my claims. However, these fraudulent items remain on my credit report, affecting my ability to access credit and causing undue hardship. 

I understand the importance of maintaining accurate and reliable credit information, and I am relying on your expertise to rectify this matter promptly. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I urgently request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached supporting documentation to assist in your investigation. 

I expect a written response within 15 days, as stipulated by the FCRA, outlining the results of your investigation and the actions taken to rectify the inaccuracies. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.