davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

To whom it may concern : CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form CITICARDS CBNA ( XXXX ) - ( XXXX ) XXXX CITICARDS CBNA - XXXX attach you will se documents
Consumer complaint received 2022-12-26
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. (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 USC 1681.

XXXX  Account # XXXX has violated my nghts.

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 intormation Any other adverse item of intormation. other than records of convictions of crimes which antedates the report by more than seven vears.

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 consumer does not consent to. 
Experian-XXXX XXXXXXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$40000.00}
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has a website for disputing credit report entries. 

https : //dispute.transunion.com However, it never works. EVER. This is not an isolated complaint, and has been reported by other consumers : XXXX XXXX XXXX Of course, TU 's response is " mail us '' your credit complaint. This is an unreasonable standard. They can operate credit reports electronically, but consumers are expected to use snail mail. Double standard that should be legislated against. 

More importantly, if they can't get a basic website to work, how much faith should we have in their ability to manage data responsibly?
Consumer complaint received 2024-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

Mr Cooper advised me I would receive my escrow overage back in XXXX. It never arrived and was either never mailed or, never mailed to the correct address. I've called several times since then and they say it was mailed and then say they'll remail it. I've never received my overage. At this point they've tried to post it to the payment, at which point I made a partial payment to keep my account current only to have them change course without notification and remove the applied funds to the payment and then sent me a late payment notice. I paid the rest of my payment with the understanding they'd again send out the escrow overage via check. I still have not received the funds. At this point, it's been months and I have still not received the escrow overage funds they were required to send more than 30 days ago.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

Summary : This is a complaint against CitiBank/CitiCards, the administrator of the BestBuy credit  card. I was unable to dispute two {$10.00} fraudulent charges because they indicated that they could not verify my identity. I closed the account as a result, but the two fraudulent charges remain. 

I have been a BestBuy cardholder through CitiBank since XXXX. I have never had as much as a late payment on my account. On Thursday XX/XX/XXXX, I received several alerts that my card had been used to make several large purchases that I did not make. The purchases totaled over {$1000.00}. I live in Michigan and these transactions were conducted in Texas. The perpetrator was attempting to pickup the items at a store in XXXXXXXX TX. 

I immediately cancelled the orders on BestBuy.com and then called the Fraud number to dispute the charges and report the card as stolen. I logged in again the next day and identified 2 more fraudulent transactions ( see screenshot below ). Since the card had been closed, I was no longer able to cancel or dispute the charges online so I called the same number and they told me that they could not verify my identity. I thought I would be able to get registered online again once I received my new card, but I was unable to. So these charges still need to be cancelled ; I officially disputed the charges as of XX/XX/XXXX, well within the regulatory requirement for consumers to report unauthorized transactions. 

I called CitiBank/CitiCards customer service on XX/XX/XXXX to get assistance with activating the replacement card and registering online. They once again told me that they could not verify my identity. I feel as though I was being treated like a criminal, but the actual criminal would have gotten away with huge purchases if I didn't catch it myself. After being unable to help me, I ended up asking the rep to close the account. 

It should have been relatively easy for the fraud department to determine that my account had been taken over by a fraudster simply based on my phone number, address, prior purchase history locations, etc. The email address and store location used by the fraudster were both different from anything aligning with my history. I never made any attempt to change the existing address, phone and email information which would have been a red flag. I am still not sure why this was handled so poorly by such a large financial institution.
Consumer complaint received 2022-12-26
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. (MI)

Despite previous written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-06-11
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: General Motors Financial Company, Inc. (MA)

Hi, please help me with my concern. I saw GM FINANCIAL on my credit report and I have late payments in payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (TX)

Dear CFPB XXXX, have a money market account with Goldman Sachs Marcus. The account number is XXXX. This account is intended for saving purposes and not a credit card or checking account. XX/XX/year>, I noticed debits from XXXX XXXX checking accounts ( personal and business ). The business account number was not linked to Goldman sachs, so this was very questionable. My XXXX  accounts show Goldman sachs debiting these accounts odd amounts. A XXXX representative advised me that Goldman Sachs attempted to debit the business account in the amount of {$10000.00} in XXXX but it was rejected due to insufficient funds. Then in XXXX, my XXXX checking accounts were hit over and over again. I filed claims, placed alerts on my accounts, and closed the accounts. On my XXXX transaction history, it shows the debits were Goldman Sach 's collections. I don't have credit accounts with Goldman Sachs. I contacted Goldman Sachs who advised me they see the transactions but couldn't discuss with me. My online access was also blocked. Goldman reps told me management must review. This is still is not resolved. My Goldman sachs account is negative which makes no sense. I am attaching the statements forwarded to me. My balance should be {$10000.00} per the XXXX statement. I filed verbal claims with Goldman sachs. This issue began around the time my business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which included a business XXXX XXXX card. THe XXXX  card was included in the XXXX XXXX. However, it appears Goldman was deducting monies from XXXX different XXXX accounts citing " XXXX  ''. I have no doubt Goldman took my $ XXXX to provide to XXXX. My XXXX XXXX  card debt was $ XXXX. 
Goldman printed a fraudulent transaction to and from a closed XXXX account. I could not transfer {$2500.00} nor withdraw {$2500.00} on an acct which closed on XX/XX/year>. 
Please see the XXXX  statements and evidence of account closing.
Consumer complaint received 2021-11-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

I have already paid the balance owed on this account and has not yet been removed from my credit, I have the satisfaction letter but yet no removal on my credit report. ally financial is the creditor ally financial XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (SC)

I have tried for years, to tell all 5 of these derogatory medical " bills '', that XXXX XXXX would've paid these. They are all either false, or been paid in full by XXXX XXXX. And yet they still drag my name through the mud. It's kinda funny, that out of dozens or possibly hundreds of medical bills, these are the only 5, XXXX XXXX didn't pay for me. Ask XXXX XXXX in XXXX, NC how many years I was covered by XXXX. I'm sure all of these are in the same time frames.
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-05-13
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. (IL)

In accordance with the fair credit reporting and XXXX  account XXXX XXXX  {$10000.00} has violated my rights 15 U.S.C 1681 section 602A stats I have the right to privacy. 
15 U.S.C 1681 section 604A section 2 It also state consumer reporting can not furnish a account without my written instructions.
Consumer complaint received 2022-10-05
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. (MD)

To Whom It May Concern : LIKE I SAID IN MY PREVIOUS LETTER This is my final & last LETTER ( AGAIN ) AND FINAL LETTER. MY IDENTITY WAS STOLEN!!! THIS IS NOT SOMETHING TO PLAY WITH SOMEONE'S LIFE AND LIVELYHOOD! 

ATTACHED TO THIS LEGAL BATTLE I HAVE AN OFFICIAL POLICE REPORT FROM THE XXXX POLICE DEPARTMENT DUE TO IDENTITY THEFT AND THE REASON AND CAUSE OF THESE FRAUDULENT ITEMS BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT! .THEY ADVISED ME TO TELL YOU WHEN I SEND YOU THE POLICE REPORT THESE ITEMS NEED TO BE BLOCKED AND REMOVED IMMEDIATELY!!! .I DEMAND THESE ACCOUNTS ACCORDING TO THE LAW BE REMOVED IMMEDIATELY IN A TIMELY MANNER WITHIN 5 DAYS ACCORDING TO THE LAW! .THE POLICE REPORT -INCIDENT # : XXXX. These items need to be deleted/removed from my credit report IMMEDIATELY FROM MY EXPERIAN CREDIT REPORT!, XXXX HAS XXXX REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND KEEP DISRUPTING MY LIFE OVER AND OVER AGAIN!, THIS ACTIVITY IS ILLEGAL AND HAS BEEN REPORTED TO MY LOCAL XXXX POLICE DEPARTMENT! AGAIN FOR THE VERY LAST TIME THESE ACCOUNTS LISTED BELOW ARE NOT MINE. IF THIS KEEPS HAPPENING AGAIN I WILL SUE YOUR COMPANY FOR THE PAIN AND SUFFERING YOU HAVE CAUSED NOT ONLY MYSELF BUT MY FAMILY AND OTHERS AS WELL, I WILL GO PUBLIC WITH THIS ON THE NEWS, AND TAKE YOU TO COURT!!! .REMOVE THESE NEGATIVE ITEMS IMMEDIATELY!!!!! 

( XXXX ) THE POLICE REPORT -INCIDENT # : XXXX ( XXXX ) USPS TRACKING NUMBER : XXXX I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS LISTED BELOW ARE NOT MINE. 

I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXX XXXX  Account Number : XXXX XXXXXXXX delete it from my credit report. 

Collection Account : XXXX XXXX Account Number : XXXX XXXXXXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-08
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: TD BANK US HOLDING COMPANY (DE)

The two mortgage lenders from TD Bank I was dealing with XXXX and XXXX made me feel like I was fully approved and all they needed to do was see my balance sheet. 

They even provided me my pre-approval with my closing date. After receiving the balance sheet that supported the income on my federal taxes, which were numbers everyone has access too and are consistent across the board. 

Last minute they denied me, which was frustrating because I provided everything that was necessary to be approved and understood the debt to income ration requirements. 

I even asked if I could pay off my debt to put my self in better approval for the loan which helps my debt to income ration even more. 

None of that mattered once, they found out I was XXXX. 

I truly believe I was discriminated against because of my race. I tried not to say that I was XXXX American to them because I know how redlining historically has gone in the mortgage industry but I did add my profile in the middle of the transaction so I believe once they knew I was XXXX, they started giving me a harder time and denied my mortgage. 

This is unfair, if a creditor like me with good credit and XXXX XXXX in equity can not get a line of credit, then who can? Especially in my community?
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX 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 2020-06-11
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: EQUIFAX, INC. (FL)

I sent out letters certified over 30 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding.
Consumer complaint received 2023-11-28
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: Experian Information Solutions Inc. (FL)

I have contacted them several times, and they informed me that they are unable to address the issue at XXXX and XXXX Bank. They suggested initiating a dispute with the credit reporting agency and advised me to file a complaint. I Never authorized my credit to be pulled at none of these locations. Please investigate these entities.
Consumer complaint received 2021-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 to XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MT)

I filed a disputer with experian about an account that XXXX XXXX XXXXXXXX closed XXXX  and wrote off in XXXX but they will not remove this from my credit report despite the debt being from XXXX, XXXX  years later it is still on my account now written off and listed as closed. They refuse to look into this after I filed a dispute last year and they failed to update their credit file.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are unauthorized accounts on my credit report that were not approved by me in writing or under my consent. I request that these accounts be removed immediately as I have not given any third-party permission to access my credit information. I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter.I am human there is no 3rd party.