davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-22
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On or around XX/XX/2018, Golden1 Credit Union made an inquiry of my XXXX  credit report without my authorization. Shortly before this inquiry was made, I authorized a car dealership to make a credit inquiry and to share my car loan application with prospective lenders. Hence, the right of accessing my credit file was never openly extended to prospective financial creditors. Furthermore, the dealership, XXXX XXXX XXXX, has made independent inquiries of my credit in the past ( i.e., " XXXX XXXX XXXX '' appears on my credit report as an inquirer ). Accordingly, at the time of submitting my application to the dealership, I reasonably understood that only the dealership was authorized to access my credit and that financial institutions ' authorization was limited to receiving a copy of my application only. 

I have communicated in writing and by phone with Golden1 Credit Union, including providing documentation of the limited authorization I gave to them to receive access to my application only, and have requested that they contact the credit bureau to remove the unauthorized inquiry they made of my account. Golden1 Credit Union has refused to remove the unauthorized inquiry they made of my credit, asserting that they will only do so at the request of the dealership.
Consumer complaint received 2018-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OR)

When I wasn't able to collect my bonus from Citibank I filed a complaint with cfpb. The bonus then posted. I moved my money to another bank via Citi check and waited for my Citibank checking account balance to show XXXX balance. When I went to close my account and was asked for the reason, I advised Citibank it was very difficult to collect the bonus and had to file a complaint with cfpb to receive it. At that time my account was blocked and I didn't have access to my funds. Citi then took the money back from my bank. 
After multiple contacts with Citi they assured me the money was in the mail as of XX/XX/XXXX and would arrive no later than XX/XX/XXXX. It did not arrive and now Citi states there is a block but will not tell us why there is a block. It appears to be due to the fact we filed a cfpb complaint but we can not verify. 
Today Citibank told us they are closing the account but will not tell us when. They advised us that when it is closed we will receive our money in 5-7 days. Possible the first week of XX/XX/XXXX. We don't have much confidence that they will actually follow through on this statement.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

I have had a checking account with Citi for over 40 years. In XX/XX/2022, I mailed a personal check for {$93.00} to the water company but it was stolen out of the mail. 

That check was washed and the amount was changed to {$5600.00} and the recipient was changed to the name of a lady. The check was then cashed and, despite how clearly fraudulent the check appeared, Citi mistakenly paid out that larger amount and took those funds from my checking account. 

I immediately notified Citi and have been trying for EIGHT months to get back those stolen funds. I have a copy of the washed check and it is a mystery how it could possibly have been considered authentic. How could their electronic fraud detection system not have flagged the check as questionable? 

I have spoken with their representatives innumerable times. I have filled out forms and affidavits repeatedly. I have sent copies of the washed check, information I found online about the lady who cashed the check, and whatever other information they have requested. They have filled out new case numbers again and again - and nothing has happened. 

They are claiming that they are waiting for some paperwork back from the XXXX XXXX XXXXXXXX, where the check was apparently cashed. But they have told me that repeatedly since about XX/XX/2022. 

I have asked my branch bank representative if he could help ; he says no. I have written emails to the executive offices repeatedly. They have connected me to the Citi Executive Response Team, with which I have spoken repeatedly. 

This process is stuck. It has been eight months. What can I do to resolve this situation and get back that {$5600.00}? 

It is shocking that Citi would delay that repayment. What would happen if I were someone who needed those funds to pay my rent?? 

There must be some steps I can take to resolve this issue. Thank you so much for any suggestions you might have. 

XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NV)

I received a credit card with a balance of XXXX  dollars to pay the XXXX  never applied for, I was checking my XXXX  credit report when I saw that I had a late payment charged into my account causing my credit to drop XXXX points without my knowledge or consent.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NE)

My wife and I have had several phone calls with XXXX  over this debt. For the longest time they could not even find the debt using any of my information. This debt is not mine and is harming my credit. The debt amount is {$470.00}.
Consumer complaint received 2023-08-31
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. (LA)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2023-10-29
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)

XX/XX/2023, reported an error of 1st late payment from XXXX XXXX  due to error from fraud. Dispute was not resolved. 

In XXXX, XXXX late payment reported. I called company to dispute. Nothing was done.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

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 XXXX XXXX  {$360.00} 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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. 

Experian continues to violate my rights with this creditor. Documentation has been submitted on multiple occasions and removed just for experian to violate my rights. This account has been proved fraudulent.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has not determined my dispute fairly. They determined my claim based on the fact that it is easier to side with the merchant. Will not explain how they arrived at their decision and have ignored my close to XXXX pages of evidence I have submitted. Told me I can not refile my dispute ever again and will not speak to me without hanging up on me. Will not even take my complaint internally, told me no one will follow up. They also purposely give me phone numbers to XXXX to send me on a wild goose chase. They lied to me and told me that XXXX decided my dispute and that they did not. XXXX has told me this is a lie. They have purposely deceived me and will not listen to my evidence. They have called me a liar and ignored all my evidence yet rules in favor of the merchant, when they have submitted XXXX pages of evidence. Case # XXXX
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (VA)

I have a judgement out on me from One main financial they were grashment my check took over XXXX and still said i owe them XXXX i want to be included in this lawsuit i have been harased and people coming to my house this is very stressful because of covid i got behind on everything i loss my job im still out of work ihave documents and this happened when covid was going on
Consumer complaint received 2023-06-20
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: Experian Information Solutions 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 XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or 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 2023-12-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I used the app XXXX XXXX to show a hard inquiry from Citizens Bank with an inquiry on XX/XX/2018. I don't recognize this inquiry, I've never spoken to anyone at this bank and this bank doesn't even have a branch in the state I live in. I called their corporate customer service number and the representative said they couldn't help and I needed to contact a branch manager. I contacted a branch manager and they said they couldn't help or didn't see my name attached to anything there and I should call XXXX. I called XXXX  and they said I needed to call Citizens bank. I explained to them what I'm explaining here and they said to file a complaint with you.
Consumer complaint received 2023-10-29
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. (NY)

Social security number is XXXX  My complaint is that XXXX  has not removed the two negative items that are fraud I filed a federal trade commission identity theft report on file the credit collection is fraud and other negative item last four of account is XXXX also normally XXXX  will delete the accounts if theirs is a federal trade commission identity theft report on file please have XXXX  remove the negative items and regarding XXXX XXXX their is three negative it's on my file it supposed to be removed and the XXXX XXXX filed to be suppressed. And regarding equifax theirs one negative item that's 60 days lates it supposed to be removed from my equifax Credit report theirs a federal trade commission identity theft report on file
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2023-12-20
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. (NJ)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of my liabilities and noticed an issue on my previous account with a lender. I know the information associated with the account is not correct and needs to be updated. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. I deposited the check and shredded my card for no usage. Recently, unfortunately, I received a notification that my credit balance increased and XXXX late payments were reported to the credit bureau. This lowered my credit score for months after I went through hardships of building my credit back up from being labeled poor. Another issue I have is that XXXX XXXX does not have any record of sending the letter to me so my account incurred charges, late fees, late payment on my records and credit report. 


The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date. I saw on a credit site and board where this lawyer said they have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing, not up-to-date or correct. Below please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last XXXX : XXXX Close my account with the closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. 
Remove any late payment dates after XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was supposed to be closed ). 
Change the credit card balance on the credit report from $ XXXX {$250.00} to {$0.00} ( prior to closing the account, it was paid up. That is why a check was issued to me ). 
Change amount Past Due to {$0.00} Change worst payment status to Current Please see attached XXXX XXXX letter that was received on XX/XX/XXXX stating they were closing the account with the refund amount of {$50.00}. In addition, the reported misinformation on my credit report as of XX/XX/XXXX is attached. 

Thank you for your assistance.