davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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. (CO)

Dear Consumer Financial Protection Bureau, Citicard failed to recognize dozens of obviously fraudulent charges on my account during a period in which I was traveling or preparing to travel abroad. These charges were from XXXX XXXX XXXX , California . I have never heard of this company, have never used this company, and did not live in or travel to California during this period. When I returned from my trip, the week of XX/XX/XXXX I checked my credit card statement and noticed dozens of identical fraudulent charges from XXXX XXXX XXXX , California . I called Citicard 's fraud department immediately and alerted them to the many fraudulent charges and Citicard said they would file a dispute claim and look into it immediately. They also said they would cancel the card and issue me a new one. When the new one arrived, the same fraud continued. Citicard actually caught it this time and called to alert me. When I spoke to their fraud department, I confirmed that the charges from XXXX XXXX XXXX were entirely fraudulent. Citicard confirmed they would file a dispute claim and look into it. I inquired about the status of refunding the money from the fraud on my original Citicard and they said they were looking into it. 
The total amount of fraudulent XXXX XXXX XXXX XXXX at this point totaled : {$8700.00} ( see attached itemized accounting ). 

In early XXXX, I received a letter in the mail from Citicard saying they had resolved the dispute and would not be refunding me anything. I immediately called their fraud department to complain, and they asked me not to worry, they would take care of the fraudulent charges and reopen my case to do so. 

On XX/XX/XXXX, I received an online message from Citicard that my dispute had been resolved ... and they were issuing me a refund of {$7.00} for a XX/XX/XXXX XXXX  XXXX XXXX transaction ( see attached letter ). On XX/XX/XXXX, I received a second online message from Citicard that my dispute have been resolved ... and they were issuing me a refund for {$7.00} for a XX/XX/XXXX XXXX XXXXXXXX XXXX transaction ( see attached letter ). 

As you can see from the itemized fraud tracking below, this refund of {$14.00} represents .017 % of the {$8700.00} I was frauded by XXXX XXXX XXXX . This is beyond unacceptable -. Their fraud department belatedly recognized this fraud and is now refusing to refund my money. Citicard needs to refund the entire {$8700.00} immediately and should be sanctioned for such poor behavior. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo handled the escrow account on my mortgage loan and they consistently showed me having an escrow shortage, which I believe to have been incorrect. When I contacted Wells Fargo, they always said that the amount was correct and I had no recourse or at least I was unaware of recourse. Since I sold my home in XX/XX/XXXX I have learned that Well Fargo engaged in practices that were financially harmful to its customers. I believe I could have been negatively impacted by Well Fargo estimation of my escrow account steaming for many years. I originally purchased my home in XX/XX/XXXX and sold it XX/XX/XXXX. How can I see if I can be compensated?
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

Chase bank fraudulent activity report I reported to chase several time my transaction is not my authorized and chase transfer and allow without my permission either debit and checkingtgeybnoever provided me safe way banking. Never refunded my XXXX XXXX payment 3 times not be refunded as fraudulent And closing my account and charge fees Plus my pay is stuck in bank. 
Now XXXX suffering my money back Chase is worst banking I have never seen them before
Consumer complaint received 2024-05-23
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I previously submitted a complaint regarding my mortgage from Fifth Third Bank that was sold to XXXX XXXX XXXX. My problem is still not resolved. My mortgage was sold to XXXX on XX/XX/XXXX. I made a payment to Fifth Third that was processed on XX/XX/XXXX. This payment of {$8000.00} was never applied to my principal balance. Fifth Third reported and closed my case stating they provided XXXX a wire transfer on XX/XX/XXXX. XXXX has closed the case stating Fifth Third had already applied the balance prior to sending the mortgage to them. Please see the following documents. My principal balance on XX/XX/XXXX was XXXX with Fifth Third. My starting principal balance with XXXX was XXXX. So who really had the {$8000.00}. Both parties have in the past verbally communicated the " we found the money ''. But it was never applied to my balance. Now both parties are blaming each other essentially and I as a consumer am stuck in the middle of their lies. How can they not track where the money went or track incorrectly where the money went? This was not a cash transaction. I am very disappointed that they have been manipulating the situation for months and even after a complaint, both parties are not owning to what happened and their stories do not match. Please help me get my {$8000.00} back.
Consumer complaint received 2024-05-03
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. (MS)

Inaccordance 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX OF XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-01-23
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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. (NM)

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.

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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I had no problem accessing my credit report on XXXX which has nothing because I have no credit cards, no debts, no loans, nothing and I haven't in the past 10 years. When I went to Experian they made me upload my driver 's license as verification then claimed I had a different email, one that starts with a XXXX. They would not let me dispute my email or do anything else. They completely shut me out. When I went to XXXX I had a similar problem. They claim I have an auto loan and two credit cards opened within the last 4 years. I have not. And they also have the wrong email address, one that begins with a b. They would not let me dispute anything either. They also completely shut me out. 


I have been trying to access my credit report at XXXX. It's supposed to be free but I can't make it past the " verification questions '' which have credit cards and vehicle loans and a name which does not belong to me. My last name is not XXXX. This is NOT on my social security card nor is it the name I was born with. They have the wrong state, wrong address, and wrong phone number. I was divorced in 2011 and they have put all of my ex-husband 's debts on my report which are not in my name or my responsibility. This is the only information I can glean from the " verification questions '' as I still can not see my report. XXXX had no problem giving me my credit report and was somewhat accurate. At least there were no debts which is accurate. They did have some addresses that were not mine which they are correcting. XXXX, however, keeps claiming they need another 60 days to work on it then does nothing. There should be a process by which people can prove who they are with a notarized copy of birth certificate or driver 's license or something. XXXX gets money from reporting debts that don't belong to me by raising my rates on everything.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I had no problem accessing my credit report on XXXX which has nothing because I have no credit cards, no debts, no loans, nothing and I haven't in the past 10 years. When I went to XXXX they made me upload my driver 's license as verification then claimed I had a different email, one that starts with a XXXX. They would not let me dispute my email or do anything else. They completely shut me out. When I went to Equifax I had a similar problem. They claim I have an auto loan and two credit cards opened within the last 4 years. I have not. And they also have the wrong email address, one that begins with a XXXX. They would not let me dispute anything either. They also completely shut me out. 


I have been trying to access my credit report at Equifax. It's supposed to be free but I can't make it past the " verification questions '' which have credit cards and vehicle loans and a name which does not belong to me. My last name is not XXXX. This is NOT on my social security card nor is it the name I was born with. They have the wrong state, wrong address, and wrong phone number. I was divorced in XXXX and they have put all of my ex-husband 's debts on my report which are not in my name or my responsibility. This is the only information I can glean from the " verification questions '' as I still can not see my report. XXXX had no problem giving me my credit report and was somewhat accurate. At least there were no debts which is accurate. They did have some addresses that were not mine which they are correcting. Equifax, however, keeps claiming they need another 60 days to work on it then does nothing. There should be a process by which people can prove who they are with a notarized copy of birth certificate or driver 's license or something. Equifax gets money from reporting debts that don't belong to me by raising my rates on everything.
Consumer complaint received 2024-05-14
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)

Inaccurate information has been posted to my credit file due to identity theft. I have received letters/phone calls from the sheriff 's department in XX/XX/2021, stating that there has been a security breach of my information under previous employers and/or computer hacks. I've sent out injunctions to all three major credit reporting agencies, ( TransUnion, XXXX and XXXX ) notifying them of their misconduct in reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification between the dates of XX/XX/XXXX through XX/XX/2021. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. the companies involved are : ( Transunion, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. ) This is securities fraud and identity theft!
Consumer complaint received 2024-01-23
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. (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 XXXX  Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX  Account Name : 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 2024-05-14
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)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-01-23
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. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated 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
Consumer complaint received 2024-01-23
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. (NJ)

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.

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 2024-01-23
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. (CA)

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 Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : 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.