davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I was considering a personal loan. I started talking to a company, XXXX, but ultimately decided I would not move forward with them. When I advised them I was told that they had already sent money to my checking account ( these funds were returned unpaid as I later learned from my bank ). Over the next few days they kept depositing money in my checking account and asking me to send it back to them by either XXXX or at the end, but purchasing XXXX gift cards and me providing them with the numbers on the cards. Then then started to move money around in my other linked accounts at Citibank. I now know that all their deposits to my account were ultimately rejected as fraudent deposits, although the bank did not notice me in a timely fashion that the deposits were not going to be processed. Citibank treated these deposits as immediately available, so it lulled me into confidence that I could return them as I did not want the money and did not want to do business with this entity. In the usual course of business, Citibank would place a hold on the funds availability to confirm that the funds were good before allowing me to draw on the deposit. Had they done so, I would not have immediately returned the funds as I did in good faith relying on Citibank to have vetted the deposit so as to protect me and themselves against check deposits that were not good funds. It should be noted that these deposits were made by mobile deposit into my account, and I did not initiate the deposits, nor did I endorse the checks. A view of these checks shows that the signature on the back is not mine, and as noted, the mobile deposits were not made by my cellphone. This situation involving multiple deposits to my accounts ( all of which were not 'good funds ' has compromised me to the amount of {$15000.00}. The fraudulent checks were drawn on 'funds ' from the XXXX of New Mexico XXXX
Consumer complaint received 2020-07-09
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. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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)

I have had pristine credit my entire life. Why I can't get a perfect credit was beyond me -- until I started researching how they score. I've paid off my house and cars and owe no debt. I have just a few credit cards I use and pay off every single month. Since doing this, my credit score has gone DOWN. XXXX? This is what's wrong with our country. It encourages debt. You can bet your sweet XXXX that it'll take a heck of lot longer for my score to go back up than it did for them to hit it XXXX points because I made a large purchase on a credit card ( so I could get the points ) and immediately paid it off!
Consumer complaint received 2024-01-26
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. (GA)

I found 3 hard inquiries under my Transunion account profile from XXXX XXXX- I hadnt applied for anything- so HUGE red flag! I called Transunion quite a few times to notify them of the fraudulent activity to have them removed immediately- they directed me to call XXXX XXXX I called XXXX XXXX where they sent me an affidavit to sign and have the inquiries removed! Since then my entire credit report has refreshed and the inquiries are STILL THERE!!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX. I recently checked XXXX, XXXX and Equifax credit reports and I found out billing errors that clearly violated the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Consumer complaint received 2024-01-26
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. (NC)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADXXXX COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed XXXX ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX : INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022 .
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXXXXXX XXXX XXXXXX/XX/2024. Unauthorized charges. Ive asked the Bureaus to remove it from my credit report. They have not been removed. The Bureaus did not do what I asked. I have attached an identity theft report. I requested them to be removed because they are inaccurate and are not mine.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to formally request that you cease and desist all communications regarding the collection of debts on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request that you cease all communication with me, as well as with any third parties, regarding the alleged debts listed on my credit report. 

Please take note of the following accounts and items listed on my credit I dispute the validity of these accounts/items and request that you remove them from my credit report immediately. Furthermore, I demand that you cease any and all attempts to collect on these alleged debts and refrain from reporting any further negative information to any credit reporting agencies. 

I expect your compliance with this request within 30 days of receipt of this letter. Failure to do so may result in legal action taken against you and your agency.
Consumer complaint received 2023-06-23
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: JPMORGAN CHASE & CO. (OH)

My XXXX credit report shows that Chase has the comment " Reaffirmation of debt '' under XXXX of my Chase mortgage accounts. This comment is indicative that I had a bankruptcy, which I did XXXX  years ago. This is negative information on my credit report and should be removed since bankruptcy information should not be included on my credit report after XXXX  years. This can impact my ability to apply for new credit. I would appreciate it if you would remove this comment on my credit report.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

These accounts was fraudulently made, Im a victim of Identity theft. I would like to have them removed based upon the fair credit act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Arent medical bills illegal? I thought they werent supposed to report on your credit.
Consumer complaint received 2023-08-01
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. (CA)

My credit report is showing late payments to 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 and XXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Consumer complaint received 2024-01-26
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. (MN)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
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. (AR)

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account with Credit Bureaus. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution.

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being.

I kindly request the following actions be taken urgently : Please promptly remove all fraudulent items and transactions associated with my account.

Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence.

Keep me informed about the progress of the investigation and the steps being taken to resolve this matter.

Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services.

If the necessary actions are not taken promptly, I may have to explore alternative avenues, including reporting this matter to relevant consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX I closed on the refinance of my home, subsequently I wired funds from that closing in the amount of approximately {$120000.00} to a new Citi XXXX XXXX. The funds were listed as available and I began using the account immediately. There were no notifications in the online portal, via email, or via postal mail that there were any issues with the account. 

I wrote a handful of checks and also paid off a few credit cards. Roughly a week later checks started bouncing and I realized my payments were not going through. Of course, all my payments except the one to my Citi credit card, that payment wasn't a problem for them. 

After spending hours on the phone the only information I could gather from customer service is " your account is frozen '' they can not tell me why this is the case. Over the next week I called multiple times until I was told my account is being closed and, pending an investigation, I will receive a notice and a check for the funds in the account. I have been locked out of my account for a month and can no longer verify the presence of my $ XXXX, Citi will not tell me what's going on, and I am afraid that " pending an investigation '' I will not receive my funds. 

I escalated the issue to their " executive support '' and the only additional information I was given was that my account was closed due to violating the terms of the account agreement. Though, they can not tell me what terms I violated, nor have they provided any information since they put my account into " pending closure '' around XX/XX/XXXX. 

I am utterly stuck, I have no idea when or if I will receive my funds and they have provided no information about what I did wrong in the first place. I have hired a lawyer, am writing my Congressmen, and am now also reaching out to CFPB for help. I just want my funds and to be able to walk away from this terrible experience.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my info pursuant to 15 USC 1681 4
Consumer complaint received 2023-06-14
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) IN COLLECTIONS XXXX XXXX XXXX, XXXX LATE PAYMENTS, XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX, XXXX XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX XXXX LATE PAYMENTS, 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts. 

THE LATE PAYMENTS REMOVE OR DELETE THE ACCOUNTS.
Consumer complaint received 2021-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management is reporting a collection account from XXXXXXXX XXXX  on my credit report. I have not received ANYTHING in the mail from this company advising of this account and my right to dispute. This company can not report this account on my credit report without first providing notice of the debt and my right to dispute it and ask for validation. This is against the law. I have not received anything from Midland Credit Management about this account.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.