davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (GA)

Company is in violation of 5 U.S. Code 1681, also known as the Fair Credit Reporting Act, contains congressional findings and a statement of purpose for credit reporting agencies.

The findings and statement of purpose include : Confidentiality : Information must be kept confidential.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TN)

I had a business associate deposit a transaction into my Citibank checking account. The XXXX was returned to Citibank as the account sending the funds was frozen/blocked. I had told my business associate to only send wire transfers to my account because I did not need my account closed due to a returned transaction. In the meantime, I have over {$1800.00} in my Citibank checking account. When I called Citibank customer service on Thursday, XX/XX/2024 to inquire about the funds being sent to me. I was informed that Citibank would take XXXX days to send any funds in my account. The only thing Citibank is doing throughout this time is drawing interest on the funds. The gentleman who I spoke with told " XXXX XXXX, I apologize for any inconvenience this may cause you but this is our policy. '' I immediately told him that I was going to file a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 


6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (OH)

Installment loan was obtained to cover the expense of my solar equipment. It required a balloon payment to be made by a specific date in order to maintain loan payments at the original rate. I spoke to the company in advance of the required date to confirm the amount and ensured that the payment was submitted before the required due date. The loan is on automatic monthly payments. Because I made the balloon payment, the company chose to stop my auto payments, causing the balance to be short of their 'target balance ' and therefore did not re-amortize correctly. When I called and questioned why they had not taken my scheduled payment, they processed the payment but did not re-amortize the loan. Because the XXXX payment was stopped and taken manually off-schedule, the XXXX scheduled payment was not taken. I purposely set the loan to pay automatically so that those payments would be taken every month, without interruption. I did not give them permission to stop those auto payments and their decision to not keep to the payment schedule I established has caused me to pay more interest based on the inaccurate amortization schedule. If they overrode my automatic payments to stop them at their discretion, they must be doing that to others as well.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

Upon reviewing my account records, it has come to my attention that the opening dates listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$5200.00}.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

I have {$500000.00} in a high interest rate online savings account with BMO XXXX. I initiated a transfer of {$250000.00} from this account to another institution. On XX/XX/XXXX, BMO locked my account for fraud detection. I understand the reason for locking it. However, my account has been locked for nearly five weeks with zero communication from the BMO fraud department. I immediately called the online savings phone number on XX/XX/23 ( XXXX ) to notify them that the transfer was indeed initiated by me and not actual fraudulent activity. They gave me the fraud departments phone number ( XXXX ) to call to handle it with them. For the past 32 days as of the date of this statement, I, as well as my wife, have alternated calling this number countless times trying to get through to the fraud department. When we call the number, the BMO recording comes on and we sit on the call for about 7.5 minutes before a recording comes on saying the voicemail is full and to try our call again later and then disconnects. Both my wife and I separately have explained this to the customer service line and they tell each of us to just keep calling until we get through. One representative told my wife that he would give the fraud department my name and number and that they would be calling. I have yet to be contacted by the fraud department. Both my wife and I have made attempts to speak to a manager in the customer service department to escalate this issue. Each time were told there is no manager available and to just call again later to see if a manager is available at another time. I even went into a local branch trying to get help. No one either can or they won't help. So, what do we do? I can't even close the account because it's locked for fraud. And why has BMO not taken the initiative to contact me about suspected fraudulent activity like other banks do? BMO is fraudulently holding my money against my will. Or they've stolen it.
Consumer complaint received 2024-07-31
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. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

AARGON AGENCY INC Reported : XXXX XXXXXXXX XXXX XXXX {$750.00} Needs Attention AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I have called Aargon agency and XXXX XXXX for a break down of my bill and payments I have made. I was told account was paid in full. I asked for Letter stating account was paid in full. They refuse to issue payment receipt or receipts for any payments I have made. I can not provide a final payment without a statement or receipts for payments I have made. The account was sent to collections without verification of amount due and notice to me with an accounting break down. I was sent back and forth between XXXX XXXX and Aagon Agency. A simple account break down of payments and amount due has not issued. Just demands for payments have ben made. Unethical business practices. Please take this off XXXX credit reports and issue what I asked to make a proper payment " IF OWED ''. The amount in question may be in correct.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported in those account to be removed. 

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 XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-24
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. (VA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-02-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I was issued an American Express gift card as a refund for shipping damages. I bought a large toolbox for my husband and purchased shipping protection through XXXX XXXX XXXX to guarantee that it arrived safely and undamaged. The toolbox arrived in bad shape and XXXX sent me a refund in the form of a virtual American Express gift card in the amount of {$1000.00}. The card was issued on XX/XX/year>. I used the card on various online purchases throughout the next several months for a total of {$490.00}. This was frustrating enough as the AMEX gift card would not work with commonly used online shopping places such as XXXX and XXXX. Then in the beginning of XXXX I checked my gift card balance and experienced great shock when I saw the balance was now {$0.00}. I checked the transaction history and there were 7 different transactions at a website called XXXX that were not me. The total money stolen from me is {$560.00}. I promptly called the number on the back of the card ( XXXX ) and was given the run around. AMEX will not refund me any money for the stolen/fraudulent transactions. I have called at least 8 times in the last few months and am given the same couple options : contact the vendor which is impossible since XXXX has no contact info and XXXX says they do not handle this kind of problem. AMEX customer service also keeps making promises of escalating the case and calling me back within 24-48 hours which they have never done. They did send me an email that says they have denied the case because they say I must have let another person have access to my card- which I have not done.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ID Analytics, Inc. (MD)

XXXX is reporting a Bankruptcy along with bankruptcy account on my credit report. This information does not belong to me and should not be on my credit report. I sent in numerous disputes and return XXXX stated that they verified this fraudulent error information. XXXX also stated that the they used a vendor to verify the fraudulent ERROR BANKRUPTCY. If XXXX would actually do their job. they will see that this is a mistake and that all errors should be removed immediately and blocked so that this does not occur again. Also XXXX claimed to have sent information on the verification but I have not received anything. Also XXXX is requesting a copy of ID ss card and proof address which I already sent. and will attach again.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

In XXXX an account was open with my name under Fraud without my knowledge or authorization. I went in person to the branch office by my job and reported the statement I got. At that time they told me they will place an alert and look into the account. In XXXX I am still getting statements saying that I have an account with them, but now someone is using the account and putting money in there. I contacted Citibank for them to tell me that they know the account is fraud but they are not sure why is still being use. I need help. I d not know where to turn. I have a hold on my credit so not sure how they are opening an account with my name still and using it
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In good faith, I have been attempting to correct my consumer report. I have tried on several occasions to address the incorrect reporting on my consumer report with TransUnion. TransUnion has validated the following accounts on my consumer report as accurate, TransUnion has failed to prove that these accounts are accurate and verifiable, as these same accounts all show inaccuracies across all XXXX credit reporting agencies. 

The inaccurate and unverifiable accounts are as follows : XXXX F : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX of XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX : XXXX [ Never provided proof of verification ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] According to this law below, inaccurate or unverifiable information should be deleted from my consumer report : 15 U.S. Code 1681i ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.