davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NV)

Citibank closed XXXX store specific credit cards ( XXXX XXXX XXXX Best Buy ), XXXX Citi Simplicity credit card and XXXX XXXX XXXX ( Authorized user ) without any notice and XXXX different agents refused to provide me with any information as to why all of my Citi cards had been closed on the same day XX/XX/2023. One agent went as far as telling me to call XXXX if I wanted more information. A second agent referred me to a letter in my document center that I was also not notified about that stated for me not to call Citi and they will not provide any additional information. I called and a second agent told me the bank decided to close all of my accounts and refused to give any additional information. I was then transferred to another agent who stated they were all closed due to fraud risk, but I have never reported any fraud on any of the credit accounts. Not a single person at Citi provided me with any additional information and then insinuated that I am the fraud risk even all of the accounts are over XXXX XXXX XXXX, no fraud has ever been reported, there is no unusual activity, the accounts have never been past due 30 days or greater and are all current with possibly XXXX returned payments between all accounts during the life of all the accounts. No one would answer any of my questions, refused to transfer me to a XXXX and would not document my complaint. When my mother, the primary XXXX XXXX account holder called, they gave her a completely different story than what was explained to me and the agent released my financial information to my mother, which completely violates my privacy. A final agent I spoke with advised me to write a letter ( attached for reference ) to Citi requesting my accounts be reopened and that would 100 % guarantee the issue would be resolved and the accounts be reopened, which left me extremely skeptical and untrustworthy of the agent and the information provided. All I have received from Citi is deception, lies, privacy invasions and complete disrespect. I have done nothing wrong, I have made all payments and I have been treated like a criminal that is not being told what the alleged reasons are.
Consumer complaint received 2024-06-26
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2023-08-28
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas, XXXX XXXX XXXX XX/XX/2023 Subject : Notice of Dispute I am writing to formally dispute the accuracy of the information contained within my credit report maintained by Experian. 
I am a victim of identity theft. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have authorized. I have been unable to obtain more credit because of this unfortunate circumstance. I hereby request that you block all of the fraudulent information on the police report and listed below from my credit profile, pursuant to section 605 ( b ) of the Fair Credit Reporting Act.

I have conducted a thorough review of my credit report and identified several inaccuracies that require immediate attention. The following accounts and late payments were reported without my authorization or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
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. (GA)

I am a victim of identity theft. I already contacted the credit bureau on XX/XX/2023 and again on XX/XX/2023 through certified mail. However, they sent me an updated credit report stating the accounts have been verified. I need to have these accounts removed they are not mine. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX I also submitted my identity theft report from the Federal Trade Commission, and my husband 's police report to the company, and they are still reporting inaccurate information.
Consumer complaint received 2017-05-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

My husband received a prequalification letter in the mail from XXXX XXXX of Quicken Loans for a VA Mortgage Refinance. Allegedly, we could refinance our loan " with a VA loan at a low, 15-year fixed interest rate of 3.25 % ( 3.836 % ). '' However, our current mortgage is not a VA Loan, which I know is a requirement of qualifying for a VA Interest Rate Reduction Refinance ( IRRR ) loan. Additionally, neither my husband nor I, are veterans. I found this letter to be very deceitful and unfairly misrepresents a government program.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On the XXXX of XXXX, I deposit a check for {$330.00} into my XXXX XXXX  checking account from another institution ( XXXX XXXX ) through the ATM, on the XXXX of XXXX I received the check as a returned item ( the check was returned for NSF ) the same day XXXX XXXX  took the funds of {$330.00} from my checking account to cover the returned item deposit. On the XXXX of XXXX XXXX XXXX  withdrawal again another {$330.00} from my checking account for the same returned check of the XXXX of XXXX. On the XXXX of XXXX, I contact XXXX XXXX  and inform them of both withdrawals and it should have been only one withdrawal. The customer svc rep files a paper credit adjustment and inform me that in two business days, I will see the credit in my account. On the XXXX of XXXX, I contacted XXXX XXXX  again questioning why the credit is still not showing they inform me by the end of the business day I would see it in my account. On the XXXX of XXXX, no credit was yet in the account and I contact XXXX XXXX  again, they are stating the department that review these transactions had no answers, and they will forward this to the manager dept. They also inform me a manager will contact me as of today XX/XX/XXXX no one has contacted me back and I call again and no answer and no credit on my account. I have been waiting for this money to pay my XXXX rent. Please help me! I m not getting no answers from the bank and no money back. Your help will be appreciate it!
Consumer complaint received 2023-10-28
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
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. (AL)

I requested again the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04
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. (VA)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-05
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: EQUIFAX, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (MO)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX : {$4900.00}
Consumer complaint received 2023-09-19
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. (TX)

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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I HAD AN ACCOUNT WITH XXXX THAT WAS CLOSED AND BROUGHT TO COLLECTIONS.. I'M HOMELESS AND UNEMPLOYED, AND I'M ON A FIXED INCOME..I CONTACTED THE COLLECTION AGENCY AND TOLD THEM MY SITUATION..WE CAME TO A SETTLEMENT AGREEMENT OF $ XXXX.THE BILL OWED TO XXXX WAS {$260.00}. THE COLLECTION AGENCY AGREED WITH SETTLEMENT, AND TOLD ME ACCOUNT WOULD BE REMOVED FROM MY CREDIT IN NEGATIVE STATUS..UPON PAYING THE AGREED SETTLEMENT, IT IS STILL SHOWING ON ALL 3 CREDIT BUREAUS AS A CLOSED ACCOUNT AND SHOWING THAT I SETTLED ACCOUNT FOR LESS THAN WHAT WAS OWED ... THAT REPORTING HAS BEEN AFFECTING MY LIFE NEGATIVELY..I CAN'T GET HOUSING RIGHT NOW BECAUSE OF THIS BAD REPORT BY EXPERIAN..MY CREDIT SCORE WAS OVER XXXX XXXX AND XXXX FLAGGED MY CREDIT FOR COLLECTION..SINCE THAT EXPERIAN REDUCED MY CREDIT XXXX POINTS FOR THAT ACCOUNT WITH XXXX, EVEN AFTER AN AGREED SETTLEMENT WAS PAID..THEY REDUCED MY CREDIT TO A POOR RATING, FROM A GOOD RATING IN LESS THAN ONE MONTH..I ASKED THEM TO REMOVE SUCH NEGATIVE REPORT, AND THEY REFUSE TO.. EXPERIAN HAS TAGGED THAT ACCOUNT TO BE REMOVED IN XXXX.THE COLLECTION AGENCY AGREED TO SETTLE OUT WITH ME AND THAT THE ACCOUNT WOULD BE REMOVED FROM MY CREDIT REPORT ... NOW EXPERIAN HAS DAMAGED MY NAME AND CREDIT WORTHINESS..I HAVE NO OTHER OPEN ACCOUNTS ..I BASICALLY HAVE NO CREDIT, BUT THE ACCOUNT I HAD WITH XXXX THEY ARE REFUSING TO REMOVE FROM MY CREDIT REPORT.. I'M HOMELESS IN CALIFORNIA, I'M TRYING TO GET HOUSING.. EVERY TIME A MANAGEMENT COMPANY CHECKS MY CREDIT THROUGH EXPERIAN, THEY GET A POOR CREDIT RATING, BECAUSE OF THE REPORTING OF XXXX THAT I SETTLED OUT WITH IS SHOWING ME IN A NEGATIVE WAY ... I DON'T THINK A CREDIT AGENCY SHOULD BE USING THESE MALICIOUS TACTICS THAT IS AFFECTING MY LIFE NEGATIVELY WHERE I CAN'T GET HOUSING..ITS WRONG AND DISCRIMINATORY..I HAD GOOD CREDIT..THEY ALSO ARE SHOWING THE LATE PAYMENTS FOR THIS ACCOUNT ON MY CREDIT REPORT, AND I BELIEVE THAT IS ILLEGAL... XXXX AND XXXX HAS MY CREDIT SCORE ABOVE XXXX, EVEN WITH THE XXXX THERE, AND EXPERIAN HAS MY SCORE BELOW XXXX, SHOWING ME AS HAVING BAD CREDIT AND CAUSING ME TO NOT BE ABLE TO GET HOUSING HERE IN XXXX XXXX CALIFORNIA..WHY IS THIS CREDIT AGENCY HOLDING MY LIFE XXXX WITH A XXXX DIGIT REPORTING NUMBER... THEY SHOULD NOT BE REPORTING A CLOSED ACCOUNT, THAT WAS PAID ON..
Consumer complaint received 2024-06-26
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-06-04
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (IN)

On XX/XX/year>, I lodged a complaint via the Consumer Financial Protection Bureau ( CFPB ) concerning the conduct of XXXX XXXX. Despite this, XXXX XXXX continues to disregard my rights and engage in unlawful practices, further exacerbating the situation. 

In my initial complaint, I cited XXXXXXXX XXXX XXXX failure to contact me and provide the necessary notice and time required for disputing the alleged debt before reporting it to my credit profile. As per my request, XXXX XXXX was to furnish the following information : The tracking number from the notice, along with my signature upon delivery, confirming that I was duly informed of the debt and afforded the opportunity to dispute it within the stipulated timeframe, pursuant to 12 CFR 1006.34 Notice for validation of debts. 
The purchase agreement between the original creditor and the collection agency. 
Proof of licensing and authorization to collect the alleged debt. 
An agreement bearing my signature, indicating my commitment to pay. 
Clarification on whether the alleged debt was assigned or purchased. 
Despite my explicit request, XXXX XXXX failed to provide the requested documentation and, instead, resorted to further violating my rights by persistently harassing me via email, urging payment for an unverified and unvalidated alleged debt. Furthermore, they continue to report this debt to credit agencies, resulting in a significant drop in my credit score and causing unwarranted stress. 

This aggressive pursuit of collection appears to be a direct retaliation for my complaint to the CFPB. XXXXXXXX XXXX XXXX actions constitute a blatant abuse of my consumer rights, especially given their disregard for the supervisory authority of the CFPB. 

I want to reiterate that I am not liable for this debt, as I do not have a contractual agreement with XXXX XXXX, nor have they provided the original contract as requested. 

Moreover, I am deeply concerned about XXXX XXXX XXXX recent attempt to collect the debt via email. This action blatantly violates the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( 2 ) ( b ), which prohibits debt collectors from communicating with consumers through inconvenient means, such as email, known for its intrusiveness and lack of privacy.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-08
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)

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 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Ongoing Dispute with TransUnion - Demand for Deletion of Inaccurate Information To whom it may concern, In my prior CFPB complaints, TransUnion has provided false and misleading information and failed to comply with Section 1681i of the FCRA. This ongoing dispute has caused me significant emotional distress, and I am demanding that TransUnion delete the inaccurate information from my consumer report. 

Please see the attached documentation for reference. 

As dated this XX/XX/year>. 

Thank you. 

Sincerely, XXXX XXXX All Rights Reserved UCC 1-308