davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, I was informed that my Citi bank account is blocked while I was trying to withdraw money in a bank. The reason they told the tell is that my account is relatively new and it needs additional information verification. Someone will call to verify. However, nobody called me and I got an email saying the bank could not reach out to me. Therefore, I called back several times. After that, they have informed me that they think someone is taking the money from my account, that is why my account is blocked and they need to review the account, they would not unblock it. Knowing the situation, I checked back at the afternoon, and the lady picked up phone transferred me to a specialist. The specialist told me that my account is in the process of closure and if I need the money I could go to a branch and get the money as check. So, I went to a branch immediately and see the banker Im familiar with. He told me that since there is money pending on my account, he could not release the money, but I could check back the next day, everything should be alright. On XX/XX/2023, early in the morning, I went to the branch and checked with a teller. The teller called the department but they would not release the money. Therefore, I made the phone call myself to check what was going on. I made several phone calls, they informed me that I have to wait for 60 days until my account is closed, so they will send out the check to get my money. I explained the situation that I will be leaving US at the end of XXXX and not back until XXXX, I need the money urgently. However, they all said As for now, I need to disconnect this call, thanks. Nobody answer or offer any solution to me, they were all like robots. I decided to see my banker again. My banker tried to call, but everyone picked the phone just transferred the banker to different lines with the saying that Im not responsible for the problem. At the end, no one has answered any of our questions and offered any solution to us.
Consumer complaint received 2024-05-22
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. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
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: 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 Account number:XXXX  Account name : XXXX  Account XXXX Account name : XXXX  Account number : 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 2024-05-22
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)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-05-22
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. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-04-29
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
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. (VA)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-22
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. (AL)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and 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 2024-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (CT)

Mortgage company put my account in a state where I have to send wire, cashiers check, or certified check for my payment for 6 months due to insufficient funds. I tried to explain to them that my bank was flagging it as fraud and not letting them take the money because they were trying take the money 3 days after I submit the payment at XXXX in the morning. I obviously had no choice to pick how my payment was made so I continued with the check route. Ive been sending cashiers checks to them for the past 3 months. My bank who iniatoes the check and pulls the money from my account notifies me when the check is delivered and cashed. Pennymac then calls me to tell my account is in foreclosure even though Ive been sending payments every month via check - my home bank has notified me that every single check ive sent has been cashed by penny mac. Penny mac tells me they have no record and to send my proof and gives me a fax number. I sent them my proof to the fax number they gave me and it was delivered and received according to the company I sent it though. They still are telling me theyve never received my information but it is the correct number. I then submit my documents through the message portal in pennymacs website and they are still telling me my house is delinquent - theyve reported many of my on time payments late and ive had to submit bank statements to get these charges off my credit. Per my mortgage agreement I have untill the XXXX of every month to make my mortgage payment. theyve marked XXXX late and XXXX was paid on the XXXX
Consumer complaint received 2023-05-04
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. (TX)

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

XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ensuring timely payments on this account has always been a priority, never allowing them to become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-21
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2018-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: 2288984 Ontario Inc. (OH)

XXXX XXXX XXXX  have been calling my job repeatedly. They have called my mother, who is XXXX from XXXX, and other family members. They have threatened to send the police to my job. 
They say I owe a payday loan from 2016. I have no recollection of that transaction. They said the loan was for {$500.00} but they want to charge me {$3500.00}.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am requesting that XXXX XXXX report new corrected information to update my credit file to Experian for account # XXXX. I have submitted a direct dispute multiple times between XX/XX/2023 and XX/XX/2023 and Experian has listed someone named XXXX XXXX from XXXX XXXX XXXX as stating the current information is accurate and it is not. This account was sold and removed from XXXX and XXXX as of XXXX but Experian is waiting for the updated information from XXXX XXXX XXXX in order to remove the XXXX XXXX account accordingly. I am attaching verification documents for the Compliance department to get the correct information reported to Experian. All XXXX report are attach as well showing the discrepancies and failure to report accurate information to Experian. There are XXXX active complaints in progress for Experian Experian with CFPB as well as XXXX as I have not been able to get this issue resolved through the company. I AM REQUESTING THAT XXXX CONTACT EXPERIAN AND REMOVE ACCOUNT AS IT HAS REMOVED IT FROM XXXX AND XXXX in the past couple weeks. All my direct disputes through Experian have been unresolved as Experian is stating and I quote " XXXX XXXX  is stating information on Experian report is accurate '' XXXX XXXX listed as contact for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 
XXXX no last names or ID # available when requested, are the supervisors I have contacted by phone at XXXX XXXX XXXX and XXXX XXXX stated the issue was escalated to the Compliance department over a week ago, still no correction to the Experian credit bureau. This is causing harm to me as I am XXXX & currently homeless living with others and my scores affect me getting housing. XXXX XXXX and Experian have knowledge of the incorrect reporting and have yet to correct their incorrect reporting. 
Desired settlement : Correction to a credit report ; Billing adjustment
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (TX)

debt collection company has listed false information on my credit reports. I have no knowledge of them or their alleged debt. They have not sent me any verification the debt is mine or they have any authority to collect alleged debt. this is the 3rd different junk debt buyer that is trying to collect on this alleged debt.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Miss spelling of name ( XXXX, XXXX, XXXX ) unknown address XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i would like for my personal statement to be removed
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (CO)

On XX/XX/2023 I was robbed the amount of {$200.00} by the perpetrator forcing me to access my XXXX and submitting an electronic transfer from my bank account ( held at Charles Schwab Bank ) to him or else lose my life. I reported this incident to Charles Schwab Bank the following day under reference number XXXX and requested that I be credited for this unauthorized transaction. I also submitted a police report ( XXXX Police Report : XXXX ). On XX/XX/2023 Charles Schwab Bank provided a provisional credit to my account in the amount of {$200.00} for the unauthorized charge and began an investigation. 

On XX/XX/2023, as a result of the investigation, Charles Schwab Bank contacted me by phone and indicated that as a result of their investigation that they would reverse the provisional credit to my account because the incident was a robbery and not a fraud and that bank customers do not have unauthorized transaction liability due to the incident being a robbery. At the time, begrudgingly, I accepted the explanation and did not further pursue it. 

During the course of my banking studies though, I discovered through reading Regulation E that any unauthorized electronic transaction, including those as a result of robbery would be protected under the regulation, contrary to the information that I had received from Charles Schwab Bank. 

On XX/XX/2023, I again contacted Charles Schwab Bank, who stated in the course of their investigation with XXXX that I had previously made transactions with the party in question and for that reason that I would not be covered under their unauthorized transaction policy. At the time of the robbery, I was not aware who performed the act, nor that I had a previous transaction history with the assailant. After further research, a previous transaction had occurred with the XXXX in question, but this transaction had been disputed due to non-delivery of goods. Charles Schwab Bank asserts that there were XXXX transactions, but my records only indicate one other transaction with the XXXX account in question. 

Putting that aside, at the time of the robbery I was forced to electronically transfer funds from my XXXXharles Schwab Bank account through the XXXX application to the assailant whom I did not know at the time. This situation seems to be a text book example of customer limited liability for unauthorized electronic transactions under Regulation E.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank closed my checking account with no prior notification via email, phone call or mobile banking app. I called the customer service when my card got declined, and they told me that they closed my account and can not reopen it, with no explanation why they did it. I can provide all the transaction detail to verify all the sources of funds, and it was very frustrating to be told that I need to wait 60 days to receive the remaining funds. 

My name is XXXX XXXX, my account number is XXXX and the reference number that Citibank provided for this case is XXXX.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO. (VA)

I keep getting phone calls at least 3-5 times a day from the same company, different phone numbers requesting that I pay a debt to this legal document services company. They have legal actions taken against me. They are going to take me to court. They have two different account numbers for me one is for {$2000.00}. The other is for {$3000.00} saying I owe money to Chase credit card services or their affiliates. I have called Chase. They have no account for me nor have they ever had an account for me or their affiliates, I have reported this to the credit bureau to keep a watch on my credit reports I will be reporting to all of my banks I have called the police. They have told me to call the ftc.gov and report this problem. There are several phone numbers that they are calling me from One phone number is XXXX another number XXXX another number XXXX another number XXXX next XXXX. They have two different account numbers on me, requesting {$2000.00} and {$3000.00} I have told them I am not paying anything. This is a scam. They know all of my personal information. They know my name, birthdate address, phone number and Social Security number about a year ago. XXXX XXXX did have a data breach sent me a letter so Im assuming they got this information from them I dont know.