davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Dear Citibank, I would like my accounts reconsidered and to be re-opened and remain opened and my great relationship with Citibank to be re-opened and remain opened. 
Credit cards needing to be re-opened and remain opened : 1. Citi/AAdvantage Platinum Select World XXXX XXXX ending in XXXX 2. Costco Anywhere XXXX Card ending in XXXX 3. Citi XXXX XXXX XXXX ending in XXXX 4. Citi XXXX XXXX ending in XXXX As a loyal Citibank active member, I need my accounts and great relationship with Citibank to be opened. 

In the past 6 months or so, I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new account numbers as someone was gaining access to my account and me misplacing my wallet. I was told it was an error but still have not gotten my 4 cards re-opened yet due to this error. 

In the midst of all of the confusion, which was also my fault because of miscommunication, it triggered activity on my one of my accounts leading to someone closing all 4 of my accounts today in error. I am also not very technologically savvy and have a XXXX. It was a simple request to get new numbers due to someone gaining access to my account and me misplacing my wallet. I had not even gotten the chance to use my Platinum card which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have a combined {$36000.00} credit limit on all 4 of my credit cards ) and will overall hurt my credit really badly so I want to avoid this. I am also traveling soon and will need to use all 4 of my credit cards.

I would like you to please reconsider the closure of all 4 accounts and please re-open all 4 cards with new numbers and send them overnight to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX I have developed an action plan and will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again. I also placed extra security including security alerts on both my social security card and the credit bureaus. I am also happy to oblige and comply with any further action plans that Citibank may want to ensure my security. 

I am appreciative of you re-opening my cards and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Citibank. 

Thank you for your time, understanding, and patience and thank you for re-opening all 4 of my cards.
Consumer complaint received 2024-04-02
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. (MD)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

My XXXX XXXX XXXX  was stolen. I went to XXXXXXXX XXXX XXXX to find out if there were any tickets etc., issued to under my name and found two cases that I had no idea existed. I filed for appearance to have them removed. The XXXX of XXXX I called the number listed to find out who they were but my S.S number did match and they would not discuss the case # XXXX. On the XXXX of XX/XX/XXXX, I learned from XXXX XXXX XXXXAsset Acceptance LLC. I was informed that my taxes were garnished twice. In XXXX for {$900.00}, and in XXXX for {$1000.00}. That I have no record of nor did I know I was garnished. I was then informed that there is still an outstanding balance of {$4300.00}. I have had credit disputes in the past because there was another XXXX XXXX on the same street. Companies confused the two of in the past, such as car repo companies, XXXX XXXX XXXX etc.,. However this debt does not belong to me. I contacted the Asset Acceptance/ Midland Credit Management , Inc. but no one can tell me details, application, items purchased, type of account, Proof of Service etc. I have sent certified letters but they only send the same information I already received from 36th District Court. I would like this debt removed and my money returned.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc. (OH)

I received a collection notice on a forgotten trash removal bill in the amount of XXXX in XX/XX/XXXX. I paid this bill by money order sent XX/XX/XXXX. I continued to receive collection notices so called to check receipt of payment. Receipt of payment was confirmed but I am continuing to receive collection notices with threats of reporting to credit bureaus. I have the money order receipt and have checked the status which states it has been cashed by the recipient. They are now adding interest on this debt. They have been informed that I am in a XXXX XXXX XXXX and this activity is illegal but they continue.
Consumer complaint received 2023-09-27
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. (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

As you can see in the files attached my reports for reporting a lawsuit full of inconsistencies. The credit bureaus have seen my letters Ive sent about the misinformation they are sharing to my consumer credit reporting agencies. This is very disheartening to see, some accounts are reporting open but are closed others are showing repossession of paid vehicle. The list goes on even showing a collection account that doesnt have a original creditor or agency listed in report, even accounts that have interest that Im not aware of the interest rate or even amount being charged. According to the FCRA I have the right to a 100 % accurate credit report XXXX. Its very disheartening and sad. Ill be suing for damages along with inappropriate interest Ive had to pay. Im reaching out to the Cfpb as a last resort for help to get these accounts cleared off my report due to incomplete/incorrect info.
Consumer complaint received 2023-04-19
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. (TX)

I reported to Experian that they were reporting fraudulent accounts on my credit file, and they refused to reinvestigate. Ive sent multiple requests with updated information and copies of my address, id, and social security and they still refuse to re-investigate and help me clear up fraud on my credit file.
Consumer complaint received 2022-11-10
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following accounts as soon as possible : XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. Please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-10
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-02
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 my rights. 

15 U.S.C 1681 section 602A. States I have the 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 2022-11-10
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following accounts as soon as possible : XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance Owed : $ XXXX remove the disputed accounts as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. Failure to provide copies of proof of verification or ownership, please remove the accounts immediately. 
ity these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. Please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-11-03
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
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. (SC)

I WAS LOOKING AT MY REPORT AND NOTICE THERE WERE SOME THINGS THAT WAS NOT CORRECT. I SENT A LETTER TO XXXX, TRANSUNION, AND XXXX ON XX/XX/year> HERE IS MY TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. IT HAS BEEN 90 DAYS SINCE THE CRA 'S HAVEN'T RESPONDED. THAT IS A VIOLATION OF 15 USC 1681i ( a ) ( 1 ) ( A ) UNDER 15 USC 1681i ( a ) ( 1 ) ( A ) SUBJECT TO SUBSECTION ( f ) AND EXCEPT AS PROVIDED IN SUBSECTION ( g ), IF THE COMPLETENESS OR ACCURACY OF ANY ITEM OFINFORMATION CONTAINED IN A CONSUMER 'S FILE AT A CONSUMER REPORTING AGENCY IS DISPUTED BY THE CONSUMER AND THE CONSUMER NOTIFIES THE AGENCY DIRECTLY, OR INDIRECTLY THROUGH A RESELLER, OF SUCH DISPUTE, THE AGENCY SHALL, FREE OF CHARGE, CONDUCT REASONABLE REINVESTIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDDANCE WITH PARAGRAPH ( 5 ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 
REMOVE THESE ACCOUNTS : 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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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 U.S.C. 1681 s-2 ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 



( XXXX ) DUTY TO PROVIDE NOTICE OF STATUS AS MEDICAL INFORMATION FURNISHER A person whose primary business is providing XXXX XXXX, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. 



( b ) DUTIES OF FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE ( 1 ) IN GENERAL After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall conduct an investigation with respect to the disputed information ; review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; report the results of the investigation to the consumer reporting agency ; if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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, 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 2022-11-10
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. (NC)

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 {$1500.00} UNAUTHORIZED INQUIRIES : 1. XXXX XX/XX/2022 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XX/XX/2022 4. XXXX XXXX  XXXX XX/XX/2022 5. XXXX XX/XX/2022 6. XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act 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 15 U.S.C 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 Fair Debt Collection Practices Act - 807. False or misleading representations