davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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: AMERICAN EXPRESS COMPANY (IL)

XXXX notified me that I had a new inquiry on my credit from AMEX on XX/XX/2024. I called AMEX ( as I have not account with them ) and they confirmed the credit inquiry ( through XXXX ) and located the fradulent account. They could not validate next steps. I have a XXXX temporary flag on my credit report and do not understand how XXXX allowed this inquiry without confirming my identity with me.
Consumer complaint received 2024-04-29
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. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Duncan Solutions, lnc. (CA)

I received a letter from Professional Account Management LLC, a debt collector, regarding an account that was turned over to them for collection. On the letter it says I'm legally allowed to dispute the debt in writing but it is not clear how the dispute should be addressed or where it should be mailed to. The company does not answer their phone number, and there is XXXX information on their website explaining how to dispute debts, or alternative contact information. You can only pay.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NV)

Requested a pay off letter reflecting paid in full and closed. Bridgecrest sent a {$0.00} balance letter but still reflects the account being in discharge status instead of paid and closed as requested by me. The letter is also written in deceptive practices showing at the bottom of the letter stating " This is an attempt to collect a debt. This is definitely not a paid off letter. I honored my responsibility by paying off the debt. Bridgecrest should do the same by giving me a true and honorable letter of paid in full.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCK AND REMOVE I urgently plead for your immediate action to expunge the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I did not authorize them. It is unfair for me to bear the burden of responsibility for these accounts, as I neither initiated nor approved them. I urge you to promptly rectify this issue.
Consumer complaint received 2023-07-12
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. (IN)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-29
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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized Metro 2 data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (PA)

THIS IS ONE OF MULTIPLE COMPLAINTS AGAINST BNY MELLON. AND 1 COMPLAINT OF THIS 1 FINANCIAL INSTITUTION OF SEVERAL THAT HAVE BEEN SENT BY INTERNET THE ( 1 ) DOXXING ARTICLE WRITTEN IN A FOREIGN COUNTRY BASED ON A LAWYER WRITING FRAUDULENT LETTERS AS MULTIPLE PATIENTS TO THE COLORADO BOARD OF MEDICAL EXAMINERS and ( 2 ) the reported IDENTITY THEFT caused by DOXXING FROM FOREIGN COUNTRY THAT HAS ILLEGALLY ACCESSED MY XXXX XXXX XXXX BASED ON FRAUD., ( XXXX XXXX # XXXX XXXX FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX IRS pin recd IRS XXXX CyberCrimeRpt XXXX XXXX/ CFPB XXXX XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB complaint XXXX Homeland Security, Cybersecurity & Infrastructure Security Agency Incident ID # XXXX XXXX  # XXXX ) BNY MELLON has caused THIS FINANCIAL ABUSE and FIDUCIARY IRRESPONSIBILITY, and harbors this DOXXING article at the level of the EXECUTIVE BOARD. I SHALL PROVE AGAIN BY THIS REPORT. And, therefore YOUR ROLE IS TO REPORT THIS FINANCIAL INSTITUTION TO THE FBI, the FTC, and the DOJ to search the records of XXXX XXXX for the internet spread of this DOXXING ARTICLE. I'M XXXX y/o and this is an XXXX XXXX, as well. 

BNY MELLON is the sole reason both XXXX XXXX  and XXXX have dropped their accounts. THEIR RESPONSES ARE MERE INCORRECT REPETITION OF THEIR OWN PAST MISTAKES only relating to a DEBIT CARD. Nothing is mentioned as to the stock brokerage services ...... NOTHING ... CFPB MUST ASK WHY DOES ANY DEBIT CARD inadequate funding by the bank... INFLUENCE THE BROKERAGE SIDE. WHO RUNS XXXX or XXXX,,, BNY MELLON?? 

THE EXECUTIVE BOARD OF BNY MELLON is using this DOXXING ARTICLE TO DISCRIMINATE AGAINST ME. They will deny receipt of this foreign generated weapon of financial disaster designed by foreign country which was sent to the IRS to access my TAX RECORDS. i have made this simple and spelled out what you NEED TO DO, or CFPB will be seen as hiding this crime, making YOU JUST AS GUILTY. CFPB NEEDS TO REPORT THE SUSPICION OF THIS ACTIVITY, ON MY BEHALF, to any and all organizations capable of EXAMINING COMPUTERS of the EXECUTIVE BOARD OF BNY MELLON for international security because this foreign report has been seen in the records of the IRS as well. The IRS released A USA CITIZENS TAX RECORDS TO A FOREIGN COUNTRY BASED on these DOXXING False articles, that BNY MELLON HAS. WHY WOULD BOTH XXXX ( took months ) & XXXX ( took only weeks because BNY MELLON Is only common link ) XXXX XXXX XXXX XXXX / FTC Fraud Rpt # XXXX XXXX FTC Fraud Rpt # XXXX & FTC Fraud Rpt # XXXX & FTC Fraud Rpt # XXXX IRS pin recd IRS XXXX XXXX # XXXX/ CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX CFPB # XXXX Homeland Security, Cybersecurity & Infrastructure Security Agency Incident ID # XXXX XXXX  # XXXX ). letters, evidence, etc are not attached as these financial crimes has me XXXX without access to a scanner at this time
Consumer complaint received 2024-02-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

I had a CD opened with Citibank which matured in XXXX and I closed it on XX/XX/2023 and asked Citibank to issue me the check. Till date Citibank has refused to issue me the check even after multiple reminders. I have called numerous ( atleast 8 times ) times and also send them letters requesting them to repatriate my money, however they keep telling me that they will look into the issue without doing anything about it. Also, their customer support gives me conflicting information- on some day they would say that the check would be issued via overnight courier, and on other days they would tell me that there is a problem in their backend system. The outcome would remain the same and no check would ever get issued by them.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (ND)

I had XXXX credit cards opened in my name with predatory credit card companies that will not fix the problem. 

First one is FEB Destiny and the other is Indigo Celtic bank. 

Neither company chooses to help and they are now illegally damaging my credit
Consumer complaint received 2024-02-07
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 (CA)

I have had issue after issue using an Amex Gift Card. Every physical store I go to - my transactions are declined. This is beyond embarrassing as everyone tells me that there's probably no funds on the card. When I check the Gift card balance it remains the same - and says its Activated. All he instructions on ways to use the card do not work. I've tried using the card for a transaction that is below the balance amount and those transactions are declined as well. I have called and Amex says to wait a couple days and try again. This is extremely frustrating as there are funds on this card that I am unable to use.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (WI)

On XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again on XXXX, the incorrect items were continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XXXX informing you that I had yet to receive a response informing me that these items were being investigated, updated or deleted. Since then, I continued to send letters to the bureau as well as the creditor requesting validation and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issues. I just pulled my report again and it is now XX/XX/2023 and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. The creditors do not have authorization to access the account nor authorization to attempt to collect on the account and the inaccurately reporting accounts continue to negatively affect me. Please remove the following accounts from my credit profile. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-07
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (ID)

I received an Amex eGift Card for a bonus from work. It was for {$250.00}. It was received and activated on XX/XX/XXXX. 

It was used to try to make a purchase at XXXX on XX/XX/XXXX. It was declined 2x, once while the customer service rep was online with me. Interestingly, Amex charges XXXX for each declined transaction, which is declined by them! 

I called Amex, the online system ( you can't get to a human ) confirmed the balance and the activation. The XXXX rep confirmed that eGift cards usually decline from Amex for unknown reasons by Amex, despite the card being valid and the fact that they take a physical Amex card in stores. 

The issue is Amex here and in researching this issue, I've found that there are virtually no places that accept the eGift card online. This card is useless and Amex seems to hope that people just give up and walk away from the balance. This seems like very predatory behavior by Amex. 

I would like to be able to use this card but have no way of doing so. Please help!
Consumer complaint received 2024-04-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-08-30
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. (NC)

This is a another NOTICE OF DEFAULT and NOTICE OF OPPORTUNITIES TO CURE. CRA was provided identity theft reports and a statement from consumer, appropriate proof of identity and items to be blocked. 15 USC 1681. NOTHING was done ,15 USC 1681c-2 they have 4 days. Therefore a sum of {$8000.00} is owned. I have been unable to qualify for a home, car, job and hardship. I have lost all creditable and credibility with family and friends. I need XXXX counseling from XXXX and XXXX XXXX. Please help resolve.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MD)

Date : XX/XX/XXXX at XXXX EST Disagreement with Citi Credit Card XXXX findings that this did not impact my credit On XX/XX/XXXX Citi in a letter reviewed my account and my credit limit was systematically increased from {$9800.00} to XXXX. A {$3700.00} increase in credit limit. 
In review of my account, Citi increase my credit limit which had to be in good standing for Citi to increase my credit limit. ( I personally did not request an increase in credit limit ). 

On XX/XX/XXXX Citi decreased my credit limit from {$13000.00} to {$8300.00} a XXXX decrees from my original credit limit at {$9800.00} I had in the last XXXX years. 

With a total of {$5100.00} minus credit which made my balances with only Citi Bank closer to my limits because Citi lowered my credit limit {$1400.00} lower than my Credit limit I had for the last 10 years. 

In your letter, you state that you couldn't determine how reporting this account will affect my credit score it depends on actions taken by other creditors and valuables outside of cities control. 

This was in control of Citi Bank in your letter, you stated XXXX showed high credit balances ok. It also SHOWS EXCEPTIONAL PAYMENT HISTORY. 
Nothing negative or derogatory on any of my credit reports, You stated in your letter that my payments were low on XXXX of more accounts which is not true. Citi increased my limit I have an exceptional payment record with you, so what could had possibly happen in XXXX months to justify the lowering my credit below what I previously had and removing the increase credit limit. 
In your letter, it states our understanding that you do not wish to have the credit limit review for reinstatement, so therefore no further actions was taken. 
I stated to correct this problem you have to put my credit back, and the only way to do that was to put my credit limit back to where it was {$9800.00}. You do not have anything negative on any credit reports for you to remove the credit limit on lower it? I stand by my credit, history and payment history for the last 10 years or more so what happened? It can not be the way I pay my creditors, including Citi that is exceptional. 
Please Revised I hope this can be resolved as soon as possible, and no further action is necessary My original question what happened? Why did this occur if I have an exceptional payment history with you and other creditors. FYI my credits Reports have been frozen lock in the last 14 years I will have to call each agency to release the Freeze on my credits reports. In this case, I did not release any Credit report Freezes XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, my beginning account balance ( account ending in XXXX ) with bank of America was XXXX. According to my BOA XXXX statement, a deposit in the amount of XXXX was made to this account. My statement ending balance for XXXX XXXX was XXXX. Bank of America closed the account and reported it as delinquent with XXXX in the amount of XXXX. After being denied an account at my local bank, I later made a second payment in the amount of XXXX to bank of America to clear up this issue with XXXX. I learned that I should have never been placed in XXXX in the first place. Also, Bank of America owes me XXXX for an overpayment.