davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
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. (AL)

I hope you system doesnt just my concern out and I pray they make transunion really lol into this situation I have been going back and forth with transunion for the last few months regarding the accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have advised them these are not my accounts, and that I truly feel like this is an error with data. I have sent countless letters to transunion and they always informed me they didn't get any disputes from me. I reached out to the XXXX  who advised transunion advised they would investigate I never got any mail or heard anything back please help
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MA)

Roughly about XXXX weeks ago my husband and I both started receiving letters in the mail from CITI stating that we had opened accounts with them which we did not. We do not now nor have we ever had an account with them. We contacted them they wanted my Social Security number I refused, they asked me for the last for which I did give them the last four of my social. They had erroneous information for me. This was explain to them, it also showed that there was another person on the account by the name of XXXX XXXX. I have no knowledge of this person, who this person is, this person is no relation to me, and Ive never known them in my life. I did close the account. I am still getting letters from CITI About the account but when I call them does state that the account is closed. I do not think that they should show my credit report as it was explained to them that this was fraudulent. I never applied for any card with them.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited two checks from a lawsuit settlement totaling {$400000.00} on XXXX XXXX at the Chase bank in XXXX XXXX XXXX XXXX. I deposited them with a teller. They have been subject to a hold until XX/XX/22 due to the large dollar amount of the checks. I have tried to have the funds released including numerous attempts to call Chase corporate, loss prevention and customer service. I also went back to the local branch to try to remedy the situation. Chase is unwilling to release any of the funds including the {$5500.00} they are required to release by statute.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a letter from XXXX XXXXXXXX XXXX  saying information related to the payment on XX/XX/2021 was corrected and updated. The mention the same letter was sent to Transunion but they never had information updated and corrected, several requests were sent nut no correction.
Consumer complaint received 2022-04-22
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. (FL)

hello dear agency referring to my report i took a taxi i forgot my wallet inside the taxi and someone stole it used all my card and my documents to open more accounts in my name and when i went to log in my credit karma i saw all these accounts i called in stores they didn't cancel these fraudulent purchases that's why I'm here to report it to you can you help me please delete all these fraudulent accounts on my credit, thank you in advance
Consumer complaint received 2022-04-22
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: Paramount Capital Group, Inc. (FL)

good afternoon dear agency : I suffered a fraud when I took a taxi I forgot my wallet inside and someone stole my cards and they used them to do various things because they bought a lot of things in my name I called the stores to cancel they didn't cancel instead I got a lot of calls from companies every day they are calling me asking me to pay the bills and it was not me who bought them please i want you to delete all these fraudulent accounts that are on my credit please
Consumer complaint received 2022-04-22
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. (OH)

In accordance with the Fair Credit Reporting act Account 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 2022-04-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CO)

I was a Citi bank customer for years, having a double cash card and a accelerate savings account with Citi. This month, I also opened a checking account with them as they were advertising a {$700.00} bonus reward for keeping {$50000.00} in the account. XXXX weeks after opening this account, Citi closed both my savings and checking accounts without notifying me. I received no email, letter, or phone call advising me of the closure. In this time, I had processed transfers between other external bank accounts and sent an estimated tax payment from my account to the IRS which was later reversed due to the account closure and now I am being assessed a {$47.00} fee by the IRS for a bad check. Furthermore, my savings account that Citi closed contained almost my entire life savings. I have been told Citi is sending me a check for this sum of money which I have yet to receive. This has caused me immense stress knowing my entire savings is floating around in the postal system in the form of a check. There is currently {$20000.00} unaccounted for between my external account and my citi account as that transfer was in process when Citi closed my accounts without telling me. I spent nearly XXXX hours on the phone with Citi being passed around between XXXX different departments trying to determine why I couldn't access my account. I was finally told my accounts had been closed but they refused to tell me why. They said the reason would be sent in a letter which I have yet to receive. Because Citi closed my online account access, I lost access to my double cash credit card account despite this account not being closed. This required another XXXX hours of calling citi bank and being passed around between departments. On XXXX occassions, I sat on hold for nearly an hour just to have a representative answer and hang up, causing me to have to call again and sit on hold for another hour. I will NEVER bank with Citi again and will be closing my credit card account with them soon. These practices are extremely aggravating and unethical.
Consumer complaint received 2022-12-15
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: WELLS FARGO & COMPANY (FL)

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX XXXX, am a victim of identity theft. There are fraudulent accounts on my credit profile that need to be removed. 

Please see identity theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 bureaus. This is unlawful and illegal.
Consumer complaint received 2022-04-22
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. (TX)

I had a fraudulent account on my credit. I disputed the original creditor XXXX XXXX and under FCRA 605 the information was removed and blocked on all bureuas. The debt was bought by a debt collector who reported it under XXXX XXXX. I disputed this again under FCRA 605 and all bureaus except Experian removed the fraudulent information. They said XXXX provided sufficient proof to report. This is false.The original creditor stopped reporting and XXXX and XXXX removed XXXX so how was proof provided to Experian to keep the fraudulent account but not XXXX or XXXX who have followed the FCRA. Experian is in direct violation of the FCRA even after receiving the theft affidavit and police report.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

In my attempt to raise my credit score ( and get a home loan ) I discovered that Comenity Bank/Bread Financial had not reported my account payments or balance to any credit Bureau in over 5 months. It appears the last report they submitted was at the beginning of XXXX. It was in fact, just after a missed payment, leading to a drop in my score of over XXXX points. Since then I have worked diligently to pay off the remaining balance of the account ( currently {$0.00} ). But the account still shows up on my credit report with an outstanding balance of nearly {$4000.00}. I reached out to their Customer service call center and recieved no assistance. XXXX, the XXXX memeber that I spoke with, attempted to find and send me an official letter stating the current standing of my account. I never recieved that letter. Next I reached out through their online message center, where I clearly outlined the situation. XXXX XXXX, the representative that responded, completely dodged my request and said that they are not able to report the information because of a " recent system update ''. 

Call to Comenity XXXX XXXX XXXX XXXX XXXXXXXX, XXXX minutes, no result. 
Email to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, response unsatisfactory. 
Call to CFPB - XXXX XXXX, XXXX XXXX Directed me to this complaint system, very helpful.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Someone fraudulently use my personal information to create a RENTAL_OR_LEASING obligation with XXXX. I've never done business with them. 
It was also stated that I worked for a logistic company. This is not true either. I've worked for XXXX XXXX XXXX for 21 years.
Consumer complaint received 2022-04-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt # 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 2022-04-22
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (TX)

There were couple of fradulent ATM trasnsactions occured from my citi debit card. One from my checking account for the amount of XXXX dollars and another from saving account for the amount of XXXX dollar. Citi bank is not honouring their claim of XXXX liability against fraudulant transaction. I submitted police compliant with my claim that it were fradulant and was not done by me. WHile they honoured my XXXX dollar claim and gave my money back. But they are not accepting the XXXX dollar claim. XXXX dollars atm withdrawal happened on XX/XX/2021 at XXXX XXXX and XXXX dollars atm withdrawal happened on XX/XX/2021 XXXX XXXX. There was an email at XXXX XXXX which says my debit card was unlocked using citi customercare representative. But it was not me who called the bank. Citi bank accepted the XXXX dollar claim and gave my money.But for XXXX dollar they are denying my claim. Both the ATM transaction occured on same day with XXXX mins difference.
Consumer complaint received 2022-11-07
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. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-22
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-22
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

I have had issues with all XXXX credit reporting companies since they moved to XXXX and lie to there e.pkoyees to say no and give the mm excuses in paper for every complaint you have. I will talk about XXXX CREDIT REPIRTING AGENCIES FIRST. 

1. I HAD MY FILE ON LOCK FOR YEARS AND ALL OF A SUDDEN 3 INQUIREYS COME UP BLOCKED BUT 4 ONE FROM XXXX BANK COMES IN AND LEYSIT THROUGH. THESE FOREIGN WORKERS HAVE NO UDEA ABOUT PROCESS AND END UP HANFMGING PHONE UP XXXX YOU TELL THEM THEY ARE BREAKUNG XXXXMERICAN FAIR CREDIT REPORTING AGENCY. 
XXXX. XXXX SAYS THEY DIDNT DO IT AND XXXX XXXX XXXX XXXX I NEED THE CEO TO WRITE LETTER SAYING I DIDNT MAKE HARD INQUIREY. LIKE A CEO IS GOUNG TO WRITE LETTER SAYING ABOUT HARD INQUIREY. THAT IS JUST TRIFFLING. 
XXXX. THEN I FIND OUT XXXX HAS BEEN CHARGING ME 3 TIMES A MONTG FOR A YEAR FOR CREDIT SERVICES TO SOMEBODY THAT HAD NO RIGHT USING MY CARD UNDER HER NAME WHICH HOW DID SHE DO. I GAVE NOTHING IN WRITING GIVING MY NANY ANY USE OF MY AMERICAN EXPEESS CARD. WHAT IS HAPPENING TO OUR CREDIT AGENCIES. THIS IS JUST SO ILLEGAL I CANT BELIEVE OUR GOVERNMENT MUST BET taking bribes to let them know they can do ir charge what they want. I dod everything I could including police repirt but that doesn't help anymore. 

American express never told me I had card nit unde my name or I was charged iver XXXX for year. So all these companies out turning on the people that keep them gone. This is the down falk off XXXX.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Magnum Association Services (GA)

I would like to report Magnum Association services XXXX. I have tried several times to contact them about a lien that they have placed on my property. The amount has been paid in full years back and my account is current. The lien has never been removed and it has caused great damage to my property status, The HOA, ( XXXX XXXX ) has directed me to this law firm to correct the problem and no-one has taken any  action.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

Since the complaints and lawsuits have been put into the lime light against Navient, and seeing how they seem to align with how I 've been treated, I decided to file a formal complaint. Over the course of my Navient loan I have asked for forbearance, but have also been innocuously ( or so it seemed ) been driven towards forbearance. One time in particular I had gone on unemployment due to a lack of work through my job and had contacted Navient about my inability for a long while to access my account online with them. Through contacting them I talked to a woman who also talked about my forvearance ending soon. So, I brought the XXXX up and she 'd directed me to go online and file out a specific form ... to which I reaponded that i could n't get online. I was told I 'd be sent the form through email ... and I have n't gotten it. Now, come some time later I call and end up going on forbearance because I ca n't get online to access anything they 're saying would or could be provided for me. I feel between a rock and a hard place .... I hear all the time of payments getting lost or mixed up and as a person who really ca n't afford to have payments just *poof* disappear ; I 'm afraid. Now, starting today it seems that I 'm getting calls by random numbers with 90 % do n't answer ratings because they 're false Navients trying to get money. This is all nervewrecking. 

P.S. I just moved to my new address and have not bothered to try to deal with Navient until my forbearance ended. It just ended this month. Which during the same time all the lawsuits came up. I ca n't even just get online to change the address, nor do I have an identification number to give them to bring up my loan. For all intensive purposes when I 'd called them at first the woman did not know if I 'd even had a loan.
Consumer complaint received 2022-04-22
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. (PA)

I have had issues with all 3 credit reporting companies since they moved to XXXX and lie to there XXXX to say no and give the mm excuses in paper for every complaint you have. I will talk about XXXX CREDIT REPIRTING AGENCIES FIRST. 

1. I HAD MY FILE ON LOCK FOR YEARS AND ALL OF A SUDDEN 3 INQUIREYS COME UP BLOCKED BUT 4 ONE FROM XXXX XXXX COMES IN AND LEYSIT THROUGH. THESE FOREIGN WORKERS HAVE NO UDEA ABOUT PROCESS AND END UP HANFMGING PHONE UP XXXX YOU TELL THEM THEY ARE BREAKUNG XXXX XXXX XXXX XXXX XXXX. 
2. XXXX SAYS THEY DIDNT DO IT AND XXXX SAYS XXXX SAYS I NEED THE CEO TO WRITE LETTER SAYING I DIDNT MAKE HARD INQUIREY. LIKE A CEO IS GOUNG TO WRITE LETTER SAYING ABOUT HARD INQUIREY. THAT IS JUST TRIFFLING. 
3. THEN I FIND OUT XXXX HAS BEEN CHARGING ME 3 TIMES A MONTG FOR A YEAR FOR CREDIT SERVICES TO SOMEBODY THAT HAD NO RIGHT USING MY CARD UNDER HER NAME WHICH HOW DID SHE DO. I GAVE NOTHING IN WRITING GIVING MY NANY ANY USE OF MY XXXX XXXX CARD. WHAT IS HAPPENING TO OUR CREDIT AGENCIES. THIS IS JUST SO ILLEGAL I CANT BELIEVE OUR GOVERNMENT MUST BET taking bribes to let them know they can do ir charge what they want. I dod everything I could including police repirt but that doesn't help anymore. 

XXXX XXXX never told me I had card nit unde my name or I was charged iver XXXX for year. So all these companies out turning on the people that keep them gone. This is the down XXXX XXXX XXXX