davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. ()

I am from XXXX. am XXXX XXXX XXXX. was about to start new business on XXXX. I had to buy goods. So I contacted this distributor. I contacted him and I ordered 150 pieces from him. They told me to transfer the money to my bank account. I'll have your goods Shaped to XXXX XXXX. I was very happy That this work is very easy. That's why I transferred the money to his bank account on XX/XX/XXXX. I contacted the distributor. That you have received the money, please shape my goods XXXX warehouse now. The distributor said I will contact you in an hour. But after an hour the distributor did not contact me. And blocked me, then I tried to connect with another XXXX distributor. But when he found out, he blocked me from there too. Then I tried to connect with him from my friend 's XXXX, but he still blocked me. I also e-mailed them and they blocked me. Now they have blocked me from all sides. They cheated me or ran away with my 500 . I now know that it was fake a distributor. They have created a fake website. And make people stupid. Takes payment from people. And then block them.I can't even take any legal action against this distributor as I am out of US. Please recover my payment.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 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 2024-02-09
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)

I am writing to dispute the presence of hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY (IL)

XXXX ext XXXX and XXXX XXXX is her name. She works for TDBank. i am part of a deft relief program and XXXX law is negotiating for me and this bank has called my ex husband and i daughter about this issue and harassing. Need this to stop
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I am send the letter to Experian to dispute all mine credit report. 
Now still not respond to all mine credit dispute. 
I am call in to Experian explain why they not respond to mine letter dispute. 
Experian customer service told me they will delete everything on mine credit report but now is nothing have happened. 
Experian have not following by the law.
Consumer complaint received 2022-11-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

Payoff letter was requested from Citibank. House was sold and closing date was XX/XX/2022 Payoff check was sent on XX/XX/XXXX and received XX/XX/XXXX. Check was cashed on XX/XX/2022. 
As of XX/XX/2022 Citibank had not pasted the payment nor have they relieved me of the debt. 
I have been calling them since XX/XX/XXXX to straighten this out and they have failed to do so. They have also refused my demand to reach out to me. 
I demand an immediate release from this obligation. They have had the check for over 30 days
Consumer complaint received 2022-11-23
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. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-02-10
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. (GA)

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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my right, And lists of unauthorized 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 2022-11-23
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-13
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. (AZ)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX and sent a follow up Letter dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I am submitting this compalaint requesting that the Credit Bureaus correct the following items to protect my rights under the Federal Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DEPTEDXXXX XXXX XXXX : {$1200.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

I filed a dispute for an unauthorized charge to my debit card, the charge was made on XXXX for 100.00, I contacted XXXX and was told that they will no reverse the charge, I contact Navy Federal credit union and filed a dispute. I receive a notice on or about XX/XX/2019 stating that their investigation was completed and the temporary credit was charges back to my account
Consumer complaint received 2023-05-23
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-11-23
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: Adler Wallach & Associates, Inc. (CA)

Three separate collections were reported to XXXX in XX/XX/. These are all related to one medical account, that is now over 15 years old. I disputed the charges with the original creditor at the time, and with a subsequent collection agency 10-plus years ago. This appears to be an attempt to re-age disputed debt by a new collection agency, with a spurious date of delinquency.
Consumer complaint received 2024-02-09
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. (IL)

According to XXXX, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it as soon as possible.
Consumer complaint received 2022-11-23
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: Early Warning Services, LLC (NJ)

To whom it may concern, I, XXXX XXXX am writing you today as an aggrieved man. My wallet was stolen in 2009 and my identity has been fraudulently used since. Several fraudulent accounts were opened in my name without my knowledge and or consent. 
Recently I tried to open a bank account and was denied because of EARLY WARNING SYSTEMS reporting there is a balance owed to XXXX XXXX BANK. 
However, these are not my accounts, and they are fraudulent. I, XXXX XXXX have never held a bank account with XXXX XXXX. XXXX XXXX investigated and found those fraudulent accounts do not belong to XXXX XXXX. I have attached the letter from XXXX XXXX XXXX XXXX for your review. 
I demand fraudulent XXXX XXXX accounts be removed from my consumer report poste haste. I hope EARLY WARNING SYSTEMS acts in good faith and removes these accounts.
Consumer complaint received 2022-07-15
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. (NV)

I have been informed of the Transunion security breach and I want to be involved in the settlement. I have endured numerous financial loss and other issues in regards to inaccuracy and fraudulent activity on various of my accounts all connected to Transunion.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NY)

I received numerous phone calls from a number that kept hanging up, to both my home and my cell number. I finally got the person to speak. They are a collection agency, and had the wrong address, and wrong name, and were attempting to collect a debt, which was not mine. They assured me that they would not call again. I then received a notice from XXXX credit report that my credit score went from XXXX to XXXX, and that I had a collection against my account through Credence Resource Management. XXXX filed a Fraud alert and told me to contact the collection agency and the Federal Trade Commission. I did contact the collection agency, and they are sending fraud documents to me. They have an address in XXXX NY that is not mine. My ex-husband 's sister lives in XXXX NY and she has the same first name as I do. When I was married to her brother, we had the exact same name, but that was over 15 years ago. The collection agency stated that the person who they had the collection against used my social security number. I had an almost perfect credit score, and now it's ruined. I take care of my son who has XXXX XXXX. My life is very sad and very busy. This is the last thing I needed. I was told to file a report here as well. In the future, is there a company I can trust to pay for fraud protection? I now trust no one.
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (AZ)

This complaint is against CITIBANK ONLINE banking services. I have an Accelerated Savings ACCOUNT with CITIBANK ONLINE. Since XX/XX/2022 I have been trying to get my {$100000.00} out of the CitiBank, and close the account. I have spoken to at least 10 CITIBANK employees, all of whom are in the XXXX and all of them gave me wrong information. I opened a CITI checking account SPECIFICALLY to transfer my money to my XXXX XXXX XXXX ACCOUNT, via XXXX. I did everything they told me. XXXX transfer limit is {$25000.00} : how am I going to transfer {$100000.00}, {$2500.00} at a time. The telephone employees told me I would receive checks and an ATM CARD : I never received any checks or ATM. For 2 months, I called CITIBANK every week. I CALLED several times, getting different information every time, but they would not offer me any other way to get my money wired. 
Finally on XX/XX/2022, I was able to wire {$50000.00} from my CITIBANK ACCELERATED SAVINGS account to my XXXX XXXX XXXX checking account. 
Then on XX/XX/2022 I submitted a wire request for {$50000.00}. 
It is XX/XX/2022, and I received an email from CITIBANK stating : Your wire transfer is on hold Please call us to verify your information. 
Hi, XXXX. We previously tried to contact you about some information we need to complete the following wire transfer from your SAVINGS account. Since we were unable to reach you, it's currently on hold- please call us as soon as possible at XXXX. For TTY : Use XXXX or other XXXX XXXX. If we don't hear from you by XX/XX/2022, we will have to cancel this transfer. 
Wire Transfer Details Amount XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  Date XX/XX/2022 Transfer Type Domestic I called CITIBANK ONLINE 3 times : no one could tell me what information is needed. So there is nothing more I can do, except wait. They state in this email that they will cancel this wire transfer if I dont contact them today. I did contact them. No one knew anything about more information they needed for the wire transfer to go through. So, again, I can not access my money. This is fraudulent. Every Citibank employee misinformed me. I got NO ACCURATE, HONEST NOR COMPLETE resolution.
Consumer complaint received 2022-07-16
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. ()

In accordance with the fair credit reporting act XXXX  account numbers 1 to 26 has violated my rights. 

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 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 15 USC 1681 section 602 A, states that I have rights to privacy.

15 USC 1691 Section 604 A, state that a consumer reporting agency can not furnish a account with my written instructions
Consumer complaint received 2022-07-16
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX