davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MD)

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : Account # XXXX ( Late Payments ) ( late payment date XXXX / XXXX ) ( late payment date XXXX / XXXX ) ( late payment date XXXX / XXXX ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is all the information required by Section 1637 ( b ) of Title 15.

You have 15 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-07-30
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. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute the accuracy of certain information reported on my credit report. Under the authority of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my right to opt out of the sharing of my personal information and request that you correct the inaccuracies on my credit report. The specific account in question is : XXXX XXXX CO, XXXX XXXX. The information being reported is incorrect because the payment history on this account is absolutely inaccurate. In accordance with 15 U.S.C. 6802, I am requesting that you : Verify the accuracy of the information being reported. If the information can not be verified, it must be promptly deleted from my credit report. Cease sharing my personal information with third parties without my explicit consent, as per the opt-out provisions of the GLBA. Provide me with a confirmation that these steps have been taken and that my credit report has been corrected accordingly. Enclosed with this letter are copies of relevant documents supporting my dispute. These documents should be used to substantiate my claim and facilitate a swift resolution to this matter.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

I was scammed out of XXXX dollars by crooks on the phone calling me from the Citibank help number and texting me with the exact Citibank text. The money was taken from my XXXX account which I have read is a popular scam. I knew nothing of this until it happened to me last week. They had all my emails and passwords, my bank info and passwords, etc. 
I have reported this to the Sheriffs department, the the FTC and I am waiting for the bank to decide what to do and am trying to keep my spirits up. That was all of my money for retirement i am XXXX XXXX XXXX. I have been out of work for three months and have been trying to stay afloat. 
This happened on XX/XX/XXXX and XXXX and I am so mad at myself. These crooks were so good. I do not want this to happen to anyone else and I think the bank should be liable. I am a Citi customer for over 25 years and a Priority member. If they do not protect me, who can? I will have to keep my money hidden at home. 
Thank you.
Consumer complaint received 2023-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (OR)

Most of problem like many others is with XXXX, AMEX. Yes have racked up credit debt. AMEX went after me using their credit. They gave a {$10000.00} limit when first signed up. So started using it. 
Also it's XXXX a big problem reporting amount I had used. Who's to say we have monies saved up. XXXX and AMEX crossed the line.They have so many documents you would have to be a lawyer to keep up. We already paid down {$1000.00} to AMEX as well as {$100.00} recent payment. They dropped my usage down to {$2900.00} from {$10000.00} I'm citing AMEX with bad policies holding credit against its customers Also XXXX for dropping my scores no doubt to get into their high credit interest cards. 
Companies like these should be closed. I'm pretty sure XXXX must get a cut behind closed doors. Never use info against consumers. Especially paying on time. I think they try to lower scores for their own benefits. I didn't misunderstand a thing if they should try the consumers XXXX  ploy. 
Thank You
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

XX/XX/2023 : I was a victim of a XXXX scam. The scammer posed as XXXX of my friends from high school and created a XXXX post. The XXXX posted stated that he received a promotion and therefore is selling furniture and other items. I inquired about an item that was for sale and we agreed Id purchase these items for a deposit of {$350.00}. I sent the {$350.00} through Zelle on my XXXX XXXX XXXX mobile app to who I believed was my friends wife. Shortly after sending that money I read comments from mutual friends under the original post and realized I was a victim of a scam. I felt used and so sick to my stomach. I was taken advantage of. I immediately called my bank to report the incident and take the next steps to get my money back. I also did my best to protect others from this scammer by reporting the zelle recipients email.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

American Express damaged my credit by XXXX points secondary no negative action on my part.All they have done to date is return fees assessed improperly due to their error. 
They did not properly assess my appeal and failed to return my credit levels to their original unlimited status. 
These actions damaged me by causing a loss of between XXXX an XXXX credit rating points. { depending upon the credit reporting agency } Additionally, a clerical error by customer service in adding my physical address resulted in the closure of my checking account and denial of reopening a personal or starting a business checking account due to their damage to my credit rating which brought my rating from XXXX - XXXX. 
This is the final complaint that I will lodge as an exhaustion of avenues before suing American Express banking if my credit rating is not restored to its pre damage levels. 
Doing business with them for XXXX years and am currently looking
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As of XX/XX/XXXX, over six months ago, I XXXX XXXX XXXX have file disputes on several incorrect accounts on my credit report. XXXX, XXXX, and TransUnion, I do not feel that there was a proper investigation done or attempted on these credit files and these negative items continue to be on my credit report due to fraud. 

XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XX/XX/XXXX, amounts XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
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. (MI)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b 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.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am behind on my account. On XX/XX/2023 I entered into a payment arrangement to pay {$130.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 to bring the account current. On XX/XX/2023 I was charged a {$40.00} late fee. 

I called them today to find out why I was charged a late fee if I am on a payment plan. They stated they will still charge late fees because the account is past due. If the account wasn't past due, I would not need a payment plan.

It was not disclosed to me that I would still be charged a late fee after entering the payment plan. This is a deceptive practice and falls under UDAAP.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MD)

Over the years, I have been a victim of identity more recently I found out on XXXX my personal information had been stolen and used in a fraudulently workers comp case. 
After this my bank account were hacked and money stolen. Debt collector bought my debt the pursued aggressively. They contacted debts and had some of my accounts closed after being late less than 30 days once XXXX XXXX XXXX XXXX XXXX XXXX The other two accounts I was late once less than 30 days because of a finical hardship. Which I contacted the two companies AMEX and XXXX told them and asked for payment plan - they both denied and started a collection and gave unrealistic payment options, that I could not pay. In XX/XX/XXXX, I refinanced my house to pay those two collections because AMEX sued me in court. In XXXX XXXX I paid AMEX collections department almost XXXX. The original debt was XXXX but with interest went up. I provided all three credit agency copies of court dismissal because I paid. It was suppose to be deleted in the status is reported wrong. " It states written or charged off for the full amount '' even though it was not written off and I paid in full nor will they delete or change that status. It is the Same thing for XXXX. I have XXXX balance but they refuse to change the status
Consumer complaint received 2023-06-19
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: DISCOVER BANK (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (NY)

On XX/XX/XXXX, I paid {$76000.00} to XXXX XXXX XXXX to pay off my partner 's loan with them. This was a gift. The withdrawal was reflected in my bank statement with Silicon Valley Bank ( SVB ). My partner received an email from XXXX on XX/XX/XXXX, saying that her loan was paid off. On XX/XX/XXXX, XXXX contacted her that she now owes {$76000.00} due to a payment reversal ordered by SVB, due to " customer advised not authorized ''. I did not authorize such a reversal. In fact, I closed my account with SVB on XX/XX/XXXX. Per my partner, XXXX reports that the payment reversal was ordered by SVB on XX/XX/XXXX ; I was no longer a customer of SVB at that point. This payment reversal happened 10 months after the payment was completed. When I contacted SVB on XX/XX/XXXX to straighten this out, they said they will investigate it and let me know after 10 business days. On XX/XX/XXXX, SVB told me that they did not have a credit for {$76000.00} in my ( closed ) account. They, however, refused to confirm whether they ordered the payment reversal. We do not know where the XXXX is. XXXX is insisting that my partner pay the loan amount ( with accruing interest ) and they decreased her credit score by placing this loan on her credit. XXXX refuses to place an administrative forbearance on the loan or reverse the credit score/report while the investigation is ongoing. Current status is investigation is still on going.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

On Thursday XXXX I was notified through my credit card company that I had a significant mark that was reported on my credit report. Concerned about this I obviously went to find out what the issue was. Upon looking at my credit report I have a supposed account in collections from XXXX XXXX XXXX XXXX XXXX in Florida. I immediately got in contact with Spectrum and had them look up all previous accounts/addresses that Ive ever had with them and they have zero record of any debts/balances on any accounts with my name. As far as XXXX XXXX is concerned they say its fraud and that they are attempting to contact this fraudulent company as well. I have attempted to call/contact that scam company XXXX XXXX XXXX with no answer or response from them. I have never been notified about a debt owed or balance due.
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (IL)

Several check-ups performed without my consent. 
XX/XX/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 I don't recognize any of these credit checks
Consumer complaint received 2024-05-06
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. (NY)

As a foreign national, I have unfortunately fallen victim to identity theft. My consulate advised me to seek assistance from the FTC website. Although I am not proficient in English, I am providing the following information in the hopes that you can assist me. These accounts listed below do not belong to me ; someone has fraudulently used my personal information. Could you please help me by removing them from my records? Here is the list of accounts : XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX. 

Any assistance you can provide would be greatly appreciated. Thank you.
Consumer complaint received 2024-07-09
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. (NE)

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 ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXXXXXX XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX ... ACCT # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX ... ACCT # XXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : 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.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2024-07-09
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  : Account XXXX  XXXX - XXXX. Account XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX - 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 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 an account without my written instructions.
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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