davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Hi. 

On the XX/XX/XXXX I opened a business account in XXXX branch of Citi and prepared to participate in the {$1000.00} promotion for having {$50000.00} on the account. 
Two days after I left US to visit XXXX for a XXXX XXXX holidays. 
From there I set a {$10000.00} deposit from my account in XXXX bank. I did it from XXXX IP address and the bankers suspected fraud. 
Unfortunately, my Citi account access was blocked after this transaction. I called to the banker opened an account for me, he couldnt help. 
I sent him my XXXX bank statement, but without any luck. 

Then they decided to close my Citi personal account - because I did transfers to my own XXXX and XXXX bank account. 

And in the XXXX they even made a decision to close all of my XXXX credit cards, which I owed for a years. 
My first credit card account with Citi was opened in XXXX, so the closure was very sensitive for my credit score. 
I believe it was because add my Citi cards to the XXXX XXXX - its a special credit card allows transfer of purchases between my credit cards. This feature called Go back in time. 
I have many cards of different banks connected with XXXX This year I decided to get status with XXXX XXXX, so I made a purchases using different cards in the past and changed them in XXXX to XXXX XXXX XXXX. 
The bankers could decide, that I have many purchases at the same time and the same day. 
I even got a call from their fraud department and explained them the nature of the transactions. 

Now I have no relationship with Citi anymore and its so sad. 
I never had any debts or late payments in the past. 
Kindly ask you to reconsider this decisions.
Consumer complaint received 2024-05-30
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 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 the FEDERAL TRADE COMMISSION or https : XXXX 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 that 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 AUTO XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX CARD XX/XX/year> XXXX CARD XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-06
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. (FL)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. XXXX this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-05
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. (NM)

Amazon Chase continued to charge my Amazon Chase credit card for subscriptions that were canceled. I informed both Amazon and Chase but they continue monthly charges. I canceled the credit card and Chase issued a new credit card with different number. Without my authorization Amazon charged the new credit card for the canceled subscriptions. I closed the new account and logged complaints with both Amazon and Chase. I refused to pay for unauthorized charges. My account with Amazon Chase was delinquent and late charges with interest added. Chase resolved the issue with Amazon and all charges plus interest and late fees were reimbursed and I owed nothing but they did not take care of the damage done to my credit report. My score was XXXX and now because of faulty information my XXXX XXXX dropped to XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MO)

After receiving a recent copy of my credit report, I noticed an unknown inquiry on XX/XX/year>. I am not sending you with this inquiry and have reached out to the company to provide why my credit was accessed. I did not authorize this request. I have had no response from the company. They had me request this via mail. It has been over 30 days and I have not received any documentation.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

I submitted my Trust Certificate and Full Irrevocable Trust documents to open a trust account through the branch only to find that the process wasnt followed and was denied by because of a consumer mortgage report that was obtained to open the account. I called the XXXX XXXX department because customer service told me that all trust accounts have to go through and be approved by XXXX XXXX and that never happened. I was given a letter from the personal banker and was told to call the consumer reporting agency only to find that the consumer reporting agency never pulled my report and that there is nothing on my report as stated in the letter. The agency has a different score than the bank because there isnt a risk but the bank changed my risk factor to deny my trust account.
Consumer complaint received 2023-06-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

It should be known that this complaint is filed against XXXX, Experian, and XXXX for reporting information on a account that has incorrect and invalid/ incomplete information on it which violates the FCRA and due process of federal law. The account is called XXXX XXXX XXXX. and the account number is XXXX. A dispute was filled with all 3 bureaus and all 3 bureaus verified the account info as correct. No other disputes are pending with the bureaus for this account. Said errors and discrepancies are as follows : 1. Date closed is missing on all 3 Bureau reports. 2. Date of last activity is missing on all 3 Bureau reports. 3. Date of last payment is missing on all 3 bureau reports. 4. Account type is missing on all 3 bureau reports. 5. XXXX reports under account status that account is open. This is a closed account sent to collections and purchased by a collection agency. This account is not open and should not show as open by XXXX. 6. XXXX also reports under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. XXXX also has failed to remove any codes or remarks from the account since the dispute process is over and no other disputes are pending. That is mandatory to delete said information and XXXX has failed to do so. 8. Experian reports on the account under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct also. 9. Experian also has failed to remove all codes and remarks about disputes from the account since no disputed are pending. 10. XXXX  report shows account is disputed. Contrary no disputed exist with them either. They were obligated to remove all codes and remarks about disputes once my dispute with them was concluded. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be seen.
Consumer complaint received 2024-07-08
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

It has come to my attention that XXXXXXXX XXXX is currently reporting to all major credit bureaus that my Account XXXX Is past due by XXXX days. Yesterday, XX/XX/XXXX, I spoke to several members of your Customer Service Department, as well as Collections. Several of your agents allege that I missed a payment in XXXX of XXXX and therefore this reporting is correct. I was then transferred to the XXXX XXXX XXXX  and spoke to XXXX. XXXX stated that he would conduct an investigation into this matter. I have reviewed past statements from XXXX of XXXX and have found no late payments during this period. Further, it seems mathematically impossible that I would be late XXXX  years later after making timely payments to your bank in excess of XXXX USD. 

This account remains paid off and closed to date
Consumer complaint received 2024-08-06
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

I am writing to you regarding an urgent matter concerning my XXXX XXXX XXXX XXXX XXXX XXXX, VIN : XXXX, which I purchased from XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase, the vehicle had XXXX miles. 

On XX/XX/XXXX, with a mileage of XXXX, I brought my vehicle to XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, due to transmission issues. After diagnostics, it was determined that the vehicle requires a new transmission. As of XX/XX/XXXX, I was informed of this issue, and subsequently, on XX/XX/XXXX, I was notified that my warranty covers the necessary repairs. However, I was also informed that the repair process could take an indefinite amount of time, leaving me without a vehicle for an extended period. Despite my repeated inquires, as of XX/XX/XXXX, I am still receiving uncertain responses from the dealership regarding the estimated completion. 

When I purchased the vehicle, I ensured that I had all necessary warranties and coverages to safeguard against unforeseen circumstances. I paid extra for these protections to provide myself with peace of mind in such situations. However, the current situation has left me in a state of distress, and I am urgently seeking a resolution. 

Given the significant inconvenience and financial strain this situation has caused me, I am urgently reaching out to explore potential solutions to mitigate these challenges. I am genuinely concerned about the uncertainty surrounding the timeline for the repair of my vehicle, which could potentially extend for up to a year or even longer. 
I urgently request your assistance in resolving this matter. I can not stress enough the financial burden of paying {$1000.00} monthly for a vehicle that I am unable to use, especially with the uncertainty of when I will regain access to my vehicle. Furthermore, I am deeply concerned about the potential negative impact on my XXXX  score and credit history if this situation is not addressed promptly and appropriately. 

I urgently need this situation to be resolved as soon as possible. It has been a significant inconvenience and source of frustration trying to work with my lienholder, Ally Auto, to find a positive resolution to this matter. Despite my patience and willingness to allow time for the situation to be rectified, there has been no tangible progress. 

I understand that resolving this matter may require careful consideration and negotiation. However, I hope that we can work together to find a mutually agreeable solution that addresses my concerns while also considering the interests of all parties involved and I kindly request your assistance in expediting a resolution to this matter. 

Please let me know if you require any further information or documentation from my end to facilitate this process. I appreciate your attention to this matter and urgently await your response.
Consumer complaint received 2023-06-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Complete Credit Solutions, Inc. (PA)

Someone stole my identity for years and been using me name and i want my name cleared up due to a bad divorce ex husband may have parts in it as well. not sure whats going on but this a fraud case and i would like this off my report due to fraud.My identity was stolen.
Consumer complaint received 2020-09-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Partnerships & Investments, LLC (PR)

American Leading, keeps sending letters to repossed auto. I reported that due to the Pandemic Covid 19, Lost Job. The Dept of unemployment have on hold all benefits due to point of conflicts. So far I have not made some payments.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (SC)

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ALLY FINANCIAL account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2020-09-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Partnerships & Investments, LLC (PR)

During the month of XX/XX/2020, I lost Job do to the Covid 19. 

I reported It to the company : American Leading Finance and ask for

and evaluation for monthly moratory. It was recently denied, they claim I was not paying bills on time. I told them I lost employment and department of labor Have not give me my Unemployment benefits do to controvertial Point. All payments are on hold. I have reported to every finantial Institutions about this matter but There is No help, only treats to collect and report to credit burea missing payments. Please let me know What other options I have. I'm considering going Bankrupt soo
n.

thank you
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (CA)

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 2023-06-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting acted conter Search ) Account #. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-05-31
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : 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 2024-05-31
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.