davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citi Bank on XXXX XXXX XXXX, XXXX, CA XXXX offered {$700.00} bonus for opening Citi Business Checking and depositing {$25000.00}. See attached flyer. I have met all required qualifications and confirmed with the banker XXXX XXXX to keep a balance of minimum {$5000.00} until the bonus is paid. The bonus was due by the end of XX/XX/2023. I have called and left messages and sent emails to XXXX XXXX, but she has not returned my phone call or emails. I called the branch and left numerous messages for someone to call me back if XXXX is no longer with the company. No one has returned my call. I called the customer service line, and they too tried to contact the branch and no success getting a hold of anyone. I was told by the customer service that only the branch who offered the bonus can open an investigation. My last contact to Citi was XX/XX/2023. I haven't heard back from anyone. This is the second time that the Citi Bank XXXX CA XXXX not paying the bonus as agreed and within the timeline they agreed to pay.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Around XX/XX/2022 they were a wind storm that cause damage in the property where I lived, I contacted the insurance company and they entered a claim then they issued a check for the damage my X who no longer lived in the property anymore got the checked and cashed it, what can you do to help solved that issued getting him returned the checked he stole. Both of names were in the check and he cashed it without my signature,
Consumer complaint received 2024-03-08
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: Experian Information Solutions Inc. (DC)

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

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

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

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (TX)

In According with the Fair Credit Reporting act XXXX 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 cannont furnish a account without my written instructions
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NY)

I have several credit cards account opened in my name without my consent. I noticed this been done when i tried applying for an apartment and my credit report had all of these credit cards account open which affected my credit scores and opportunity to get the apartment. I need my credit to be repaired and to remove all of these fraud accounts that were open without my knowledge. It isnt fair for me to be stuck and having to pay for something i didnt authorize.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (CA)

I HAVE FILED MULTIPLE REPORTS ON THE FRAUD WITH NAVY FEDERAL AND XXXX  XXXX XXXX!, I TRIED MULTIPLE DIVISIONS TO HELP WITH MATTER, BUT SOMEHOW NO ONE COULD HELP ME! WHEN I HAVE EVIDENCE OF THE FRAUD THAT HAS BEEN COMMITED!!! I HAVE SENT BILLING ERRORS TO COMPANIES! I FILED ARBITRATION WITH ( XXXX ) WITH NAVY FEDERAL XXXX XXXX, WHICH RESULTED IN THEM OPTING OUT THE XXXX XXXX!!! AND I HAVE DOCUMENTS THAT STATES SUCH!! SOME HOW MY RECENT REPORTS I FILED WITH YOU GUYS WAS DELETED AND MOVED TO ANOTHER EMAIL THAT I NEVER DID AUTHORIZED!! 

IM REQUESTING MY ORIGINAL COMPLAINTS! I HAVE THEM PRINTED BUT SOMEHOW CANT ACCESS THEM IN MY ACCOUNT!!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. ACCOUNT Name : XXXXXXXX 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 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 2023-06-04
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. (OR)

Over the last couple of months I have been denied credit and told I had to leave an exorbitant deposit on an apartment due to Equifax incorrect credit reporting. Other credit reporting agencies are reporting correctly. This is not an issue with the companies who have extended credit to me not reporting back to Equifax. I have filed 27 disputes with Equifax. I have filed disputes online and I have sent a certified letter to file disputes. Equifax refuses to update my correct name even after receiving certified court documents showing my name change. Equifax refuses to correctly report my student loans, claiming I owe more than {$14000.00} when I actually owe less than {$1000.00}. They are incorrectly reporting my address even though I have shown a utility bill with my correct address. My otherwise excellent credit is being tarnished by Equifax, and they have lowered my credit score after I filed disputes. Every dispute I have filed had supporting documentation. They have denied every dispute I have filed. I have repeatedly tried to speak with Equifax customer service representatives apparently based overseas, and they hang up on me claiming they can't hear me. Equifax has now blocked me from viewing my account online.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (CA)

I am unaware of any outstanding balances I owe and have had years of top credit scores. This company never contacted me about any credit issue and submitted a report to the credit agency XXXX with the following information : CBE GROUP has flagged your account as Collections on XX/XX/2023. 

Source : XXXX XXXX : CBE GROUP Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$110.00}
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (NY)

Hi, I am not familiar with the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I have a XXXX XXXX XXXX XXXX card which I cancelled on XX/XX/2023. Paid them what they said I owed which was {$2700.00} but on XX/XX/2023 they recieved an {$81.00} payment. I received a bill for {$54.00} which is due on XX/XX/2023. I asked for payoff on XX/XX/2023 and to cancel my card. Which they did but they are telling me the XXXX is interest on XXXX. I feel like they are over charging me on the XXXX for the whole bill cycle. Everything should have been paid in full at the time I asked for the payoff and cancelled my card.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$4400.00} XX/XX/2017 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-06-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed certified letters to XXXX, TransUnion and XXXX informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. All three bureaus refused to adhere to the law and refused to do all that they could in that moment, to protect me, the consumer, my rights and privacy.
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aldous & Associates, PLLC (TX)

I told you people I didnt live at that address. I did that through the CFPB you ignored me telling you that and XXXX information about me to a third party. I had one of my old neighbors, contact the individual that lives in that unit and told him if they received anything for me to please return it to the original sender via certified mail, and I would make up the cost. I have proof, I also have proof you were told I didnt live there anymore. Not very smart of you attached you will find screenshots of my complaint to you through this agency that said I didnt live at The minute you sent something to me with the name of your company on the outside of the envelope which disclosed to a third-party I have a debt you openly and frequently violated the fdcpa. Oh, and I also have a picture of the envelope not very smart.
Consumer complaint received 2023-04-21
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. (MO)

I have recently reviewed my credit report and noticed there is an inaccurate item listed on my report. The inaccurate item is listed below : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Unsecured Loan Transferred/Closed I did not authorize this company to create an account or apply for any credit utilizing my name. This is a violation of the Fair Credit Reporting Act Section C168B and a serious breach of my privacy right. I formally request that this fraudulent account be immediately removed from my credit profile.
Consumer complaint received 2023-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank calls, on average, 9-12 times per day regarding a debt I owe to them, I have discussed my ability to pay this debt and make payments when I can. I have also told them I do not want or require phone calls regarding this debt. They call from numerous phone numbers so as to thwart my ability to block them. Today ( XXXX2023 ) alone, they have called me nine ( 9 ) times. The earliest call was at XXXX.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I open the account years and years ago. Always had problems with this bank resolving issues like fees, money taking long to hit the account etc. 
I tried not to use this bank. I ended up opening another account with another bank. I have very little money on the account and get charge for fees every month.
Consumer complaint received 2023-06-04
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: VW Credit, Inc (OH)

Your company has violated my rights. Please See attached and address the issues within this case immediately. I am kindly asking for a settlement. 
Let me know if you have any problems accessing the file. There is also pdf/picture versions attached below if you don't want to use the link. Thanks. 
Access code for link is attached below **Please note credit reporting agencies shall not report any item/account that is in ripened litigation/controversy. Failure to remove this unauthorized account will result in a Defamation lawsuit ** Link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Link expires on : XXXX Regards, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
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)

I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. 

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : These accounts were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately. 

In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law.

Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these accounts that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number. 

I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX