davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Dear Sir/Madam, Around six months ago I opened Citigold checking account and I am still expecting XXXX XXXX XXXX miles to be posted for the promotion XXXX. On XXXX XXXX on my question XXXX XXXX replied that the investigation has been launched and I will get the outcome sent on my e-mail address which never happened. 
Before that on XXXX XXXX I have got a message XXXX from Citibank Client XXXX ( XXXX XXXX ) that my account has met the necessary requirements to qualify for this promotion and miles should be posted within 90 days which never happened. 
Before that on XXXX XXXX XXXX XXXX confirmed that promotion code XXXX attached to my Citigold account. 
What Citibank is trying to do is pretty much scamming, trying not to meet commitments after all their acknowledgements that I was eligible. I carry out my obligations and pay account fee which is $ XXXX monthly and I want Citibank to provide good customer service as advertised and honor their promises.
Consumer complaint received 2023-06-12
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your time to REMOVED some of the information in my file that resulted from alleged identity theft but I have items left that need to be removed or blocked. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a CitiGold Bank Account in XXXX XXXX, 2016 and I opened it because of a promotional sign-up bonus offer from Citibank for XXXX XXXX XXXX AAdvantage points. These were to be placed in XXXX XXXX AAdvantage account XXXX. They are charging me {$30.00} a month for this checking account. 

As a long time Citibank XXXX XXXX AAdvantage Credit card holder, I verified that I was absolutely eligible for the offer and that the promotion code and promotion was attached to my account when I spoke to customer service at phone number XXXX on XXXX/XXXX/2016. Both Citibank and I have an audio recording of this call for quality purposes. 

I completed the terms that required spending {$1000.00}. on my account 's debit card and 1 or more online bill pays for 2 consecutive months. Further, it stated that these XXXX XXXX Advantage points would be put into my account within 90 days. I did everything that was required and they have not given me my points. This is happening to hundreds if not thousands of people and Citibank is not being honest. This bad experience is making me re-examine my banking relationship with Citibank as well as my credit card relationship with Citibank.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX Miscellaneous XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
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. (MI)

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.

has violated my rights. Or a 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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXXXXXX XXXXXXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX  ) XXXX Balance : {$740.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-12
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. (CA)

I have sent multiple letters disputing and asking for reinvestigation for inaccurate and unverifiable information on my consumer report. I have fraudulent inquiries on my consumer report that have to be removed as they are in violation of my consumer rights and have caused me actual damages due to being denied credit. Disputes or the reinvestigations were sent on XX/XX/2023 also on XX/XX/2023 and on XX/XX/2023 you are in clear violation of 15 USC 1681a 2 ( A ) ( i ) also in violation of 15 USC 1681 Violation for willful non compliant As well as 15USC 1681n Civil liability for willful noncompliance
Consumer complaint received 2023-06-12
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am requesting an updated address and name information on all three credit bureaus.I 've contacted each credit bureau individually via phone and postal mail services with no resolution. The inaccurate information has caused a financial blockage which has added additional stress to my day-to-day life post-pandemic. With limited access to resources, I am currently living house to house with loved ones as I attempt to survive.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received an alert email from XXXX on XX/XX/2023 saying they blocked an attempt to access my XXXX credit file because my file is locked ; and on XX/XX/2023, I received another alert email from XXXX saying I have 1 new credit alert to review. So that got my attention, I logged into my XXXX app to check and found out that on XX/XX/2023, someone opened a Bank of America credit card using my name, my SSN, but a WRONG address! I contacted Bank of America immediately to report this fraudulent activity and the representative who answered my call said she submitted a fraud application report for me. The address on file of this Bank of America is XXXX XXXX XXXX, XXXX XXXX, TX XXXX, their phone number is XXXX, that is the number shown in XXXX. Then, I filed an online dispute in my XXXX app regarding this fraudulent application. 

On XX/XX/2023, XXXX notified me via email that my dispute has been updated, and I logged in to see the dispute result, heres the result : The company ( Bank of America ) that reported the information has certified to XXXX that the information is accurate. 
This result is simply ridiculously false! Bank of America is lying, I did NOT apply for any Bank of America credit card or any credit card in XX/XX/2023. It is very frustrating that Bank of America allowed such fraudulent activity to happen and lied to the credit bureau! This is very abusive!
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (IL)

The consumer is here to dispute any alleged claims that you are currently listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation.
Consumer complaint received 2022-05-17
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. (IL)

XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-20
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. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (AZ)

My complaint is for Citibank, and this is my first complaint in 17 years after happily using multiple bank services. 

XXXX ) I opened my business account with Citibank sometime in XXXX or XXXX because of their promotion for new business accounts. 
XXXX ) I never used this account regularly. In XX/XX/XXXX, I needed all the money I could get and thought about closing this account with Citibank and withdrawing my funds. 
XXXX ) I tried using XXXX to transfer my funds out of this account, and at that point, Citibank removed my access online because of the fraud alert. They never contacted me to check this alert and help me with it. 
XXXX ) So I called them in XX/XX/XXXX to close my account ; while I did not get statements, do not have my account number since my online access was taken away. They looked it up with my SSN and said they had sent the request, and I will get the check to my mailing address, and the account will be closed in 7-10 business days. 
XXXX ) I kept waiting and calling them every month and hearing that the request was cancelled for some reason, but they would never communicate this. 
XXXX ) On top of all these, they started charging me from XX/XX/XXXX a {$40.00} maintenance fee, and I was told that I changed my account type to a higher performance account, which is why I see these charges - absurd, ridiculous at this point. 
XXXX ) Agent said approx, on XX/XX/XXXX, call that she could only reverse 2 charges but made sure she would call me personally if I didn't get the check-in in 14 days and the account was not closed. She also confirmed that I would not get the {$40.00} charge anymore, which was wrong in the first place. Not sure who authorized them to change my account type or start charging me. 
XXXX ) On XX/XX/XXXX, I again saw that {$40.00} was debited for the maintenance fees and today, XX/XX/XXXX, I am still waiting to hear back from Citi, get my money after 10 months of back and forth with them, and my account is still open. 
XXXX ) I have spent 15+ hours talking to Citi about this, and I am tired now. I do not have any branches in my city and can not stop by and discuss it with a branch manager. 
XXXX ) I felt to create my account on cfpb today and report this so that I and many like me can get help and banks do not take our money and accounts lightly. 

I hope to get some help and get this resolved soon.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT.
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: Early Warning Services, LLC (TX)

I sent a letter out on XX/XX/XXXX to Early Warning. Here is my tracking number:XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I want to know who did they talk to How did they complete this investigation Consumer report number XXXX Account name XXXX XXXXl # XXXX ( contribution ref # XXXX ) Account name XXXX  XXXX  account # XXXX, XXXX
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (OK)

It was after i had a back injury, then XXXX, then loss of pay before i could get social security disability coming in, i got delinquent with my truck payment. But i did pay them the late payments, the next week after i became current with them they repossessed my truck, i had to pay them {$630.00} to the company they used to repossess it, in order to get my personal items out of the vehicle. That was after i had paid them the late payments. Then they sold my truck for 1/3 of its value, then wanted me to pay a little over {$3000.00} to square up with them and not show up on my credit. 
On the current credit report they keep adjusting the last payment made date, so it will stay on my credit report longer, I'm guessing thats their motivation. Anyway, at the time i had so much to catch up on due to my injury, i had to retire from work etc. i haven't done anything to correct this non stop train wreck. I found out about reporting it through you all just today. So here we go. XXXX only knows how many people have been abused by this company in such a way. Santander vehicle loans have done some very wrong things, and wants me to continue to pay them for it. Im done with them!
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/2019 Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/2019 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.