davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, Citibank emailed me a promotion as an existing customer. At the time I had a Citi credit card, and Citi invited me to open a checking account with the promise of a {$1500.00} bonus for depositing {$200000.00} within 30 days of account opening, and keeping {$200000.00} on deposit for XXXX consecutive days. In response to this promotion, I opened a Citi checking account on XX/XX/XXXX. As of XX/XX/XXXX, I had deposited my {$200000.00} savings into the account. I took it out of a higher-interest paying deposit account at another institution and deposited it into Citi 's XXXX paying account in reliance on Citi 's promise of XXXX {$1500.00} bonuis. I maintained that {$200000.00} balance for XXXX consecutive days, thereby satisfying the promotional requirements. The {$1500.00} bonus should have posted by XX/XX/XXXX. When the bonus had still not posted as of XX/XX/XXXX, I contacted Citi via its online Chat feature. The representative asked for the promo terms. I cut and pasted the promotion into the chat. The representative agreed the bonus should have posted, and opened a dispute for me. On XX/XX/XXXX, Citi wrote me to deny the bonus and even deny any promotion offered for my account. The letter said if I had documentation to support my claim for the bonus, I had to FAX it to Citi. The fax requirement is unfair and unreasonable, particularly during a pandemic. I have no fax machine at home. I would have to enter a XXXX XXXX, XXXX, XXXX XXXX, or some such vendor location and PAY to send fax. Citi realizes that fax machines are outmoded and inaccessible, especially now while so many people work from home. Better banks, credit unions, and the CFPB have online portals to which consumers can upload documents digitally, as I am thankfully able to do in support of this complaint. Citi too should offer the option of uploading documentation digitally, or at least provide an email address for sending attachments. By requiring me to fax documents, Citi is actively discouraging me from providing documentation in support of my claim, and knowingly delaying its obligation to fulfill its own promotion that it directly sent me. Thank you CFPB for allowing me to upload documents in support of my complaint, and for your help in this matter.
Consumer complaint received 2023-06-26
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. (NY)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (NY)

in accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-07-26
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. (WV)

In accordance with the Fair Credit Reporting Act XXXXXXXX Account # XXXX XXXX XXXX ( XXXX ), XXXXXXXX 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 an consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act 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 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (GA)

FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. 

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes.

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Consumer complaint received 2022-10-14
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. (FL)

I recently checked my credit report and I have seen XXXX accounts that I was unaware of and did not authorize. I have never lived at those apartment complexes and I don't understand how someone was able to open these lease 's in my name
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (WA)

My father XXXX XXXX XXXX received social security in the approximate amount of {$1300.00} a month on the XXXX of each month. In XXXX he received his check on the XXXX, withdrew about {$700.00} and his car insurance was about {$100.00}. That would have left about {$500.00} remaining. He passed away on XX/XX/2022. His bank Direct Express will not give me an accounting for the month of XXXX. I want to know where the {$500.00} went. I am his only daughter and am listed on the death certificate as next of kin. He is widowed and has no one else. I believe the bank should tell me what happened to that money even if my dad withdrew it. 

Here is a copy of their response. 
Remaining balance is less than {$11.00}. Checks for low balances are not issued. 



Thank you for your understanding. 





Sincerely, Direct Express XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX I would like a statement for the month of XX/XX/2022 Thank you, XXXX XXXX
Consumer complaint received 2022-04-19
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. (SC)

I have updated information on an open complaint with Experian. The complaint # is XXXX. Experian has violated my consumer rights. They have responded that they have concluded their reinvestigation without providing me with the description of the procedures used to determine the accuracy and completeness of the information allegedly verified and without doing an investigative consumer report. 

The disputed information being reported is identity theft. On XXXX Experian received the following documents by certified mail with a green return receipt. My police report with the FTC ; my notarized identity theft affidavit with a XXXX copy of my driver 's license, social security card and mail for proof of address ; a letter with my written instructions for the accounts that are reporting on my consumer reports which I did not consent to authorize nor benefit from. They emailed me on XXXX that they do not accept my police report that was filed on XXXX with the FTC. They emailed me on XXXX with the updated dispute results reporting the information verified on my consumer reports. These actions violate my consumer rights under the FCRA and are causing me harm. I have attached a copy of the police report that was filed with the FTC with a copy of the certified green return receipt signed by Experian. I have also attached copies of Experian 's recent responses.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore Loan Management is ruining my credit : They are saying I missed Payments for XXXX and XXXX of 2022 when I did send checks and they did acknowledge ( I have check numbers and everything ). They are also saying I'm 30 days late for XXXX when it's only XX/XX/XXXX and I did make a payment. 

Rushmore Loan Management is the worst company to handle mortgages. I believe they are doing this intentionally.
Consumer complaint received 2022-10-14
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (IL)

its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap
Consumer complaint received 2023-10-09
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. (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. 

XXXX 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 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

I deposited my boyfriend 's payroll check, through the US Bank app. They are holding the funds. Saying it's because of fraud protection. I've called customer service twice and got different answers. We went in and saw a branch manager. He just gave us, the run around. The check was deposited Friday at XXXX and here we are, still no access to his money. We both went into the bank and showed proper I.D . It's a check from XXXX XXXX, which is a billion dollar company. Clearly the funds are valid. We were expecting available funds by Monday and still nothing. US Bank is just giving us fake promises and we need the money asap.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2022-10-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and iquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  UNI Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX  TECH Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Validate Account US XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX OF XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account AM XXXX FIN Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-19
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. (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. 
XXXX XXXX Account number XXXX, XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account 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 2022-04-19
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: LEXISNEXIS (IL)

XX/XX/22 - Sent a request to Lexis Nexis to remove incorrect information. 

XX/XX/22 - Received a response indicating that the reinvestigation was complete and the findings were verified. A link to the updated report was also enclosed. The updated /verified reports still includes major errors/ incorrect information. 

Record number 6 and Record number 8 in the Identification Records section are incorrect. 

And The following information from the Department of Driver Service Records... 

The information contained in the entry is 100 % inaccurate and does not belong to me! 


The name indicated on the record is not my name : XXXX XXXX XXXX XXXX. The date of birth indicated is not mine. 

2. The drivers license number is not mine.

3. The violation details do not belong to me. ( I have never lived in Arizona, visited Arizona, or committed any crimes in Arizona. )
Consumer complaint received 2024-03-11
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. (AZ)

I recently reviewed my credit report, and noticed some fraudulent accounts and inaccuracies. I would like removed from my credit report as it is hindering me from getting credit, and also causing hardship.

Also according to Title 15 USC 1681 : As the consumer I have the right to privacy and I did not give written consent to furnish any information or these accounts.
Consumer complaint received 2022-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Multiple times a year Fifth Third Bank somehow cancels my automatic monthly online banking transfer payments to my mortgage and charges me late fees, and they only waive one as a bank courtesy when I have a perpetual never ending payment set up. They fail to provide me dual factor authentication for the online services they do offer to all the other customers. I called Fifth Third Bank about late fees for both XXXX and XXXX of this year and they hung up on me twice after I was on the phone for almost an hour. The 5/3 app frequently doesnt work, and dual factor authentication has been missing for me for years now. This is likely happening to other people who dont know how to report it.
Consumer complaint received 2021-11-22
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (NY)

accordance with The Fair Credit Reporter Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act Experian continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. This is NOT my account. 

Account number XXXX This account is not mine. 

I have also contacted the above company and they told me to contact Experian yet Experian refuses to comply with the removal. 

This information is erroneous and against the law. I demand it please be removed immediately.