davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
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: ALLY FINANCIAL INC. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-06-29
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-11-20
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: Credence Resource Management, LLC (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-07-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX my father and I went into the bank at Citi bank to withdraw cash from his savings account. We noticed that the amount of money in his account did not match what it was supposed to be and after looking at my fathers banking and transaction history we saw multiple ATM deposits that were not from him. The money totaled more than {$24000.00}. We filed a fraud and identity theft complaint with them and received a new debit card for the account. On XX/XX/XXXX my father went back to the back wondering why his money wasn't returned to his account. They had not given us any previous updates even after we told them we wanted police involved because this was a large amount of money. The worker at the bank informed my dad that they did not find the case that we had to be a case of identity theft and fraud and told him that the multiple ATM withdraws were part of his normal banking pattern history. This statement is false because my father does not use ATMs and throughout his entire banking history it was shown that there had never been any ATM withdraws until the dates we told them that wasn't us. He filed for an appeal on XX/XX/XXXX and waited for results on that but were not updated. I opened up an online banking account on my phone so that I could help my father manage his money when I noticed that even after we had gotten a new card and filed a complaint these ATM withdraws were still happening and I immediately froze his account. The money totaled up to another {$15000.00}. We immediately went to the local police station to file and identity theft and fraud report. The next morning I called the number under Citi bank to again report the theft and fraud which we did and then I asked them for an update on the appeal. We were given the same answers which was that the ATM withdraws were a part of his normal banking history which I reiterated to them was not true and that our next steps are to file a lawsuit until we receive this money back. When money almost adding up to {$40000.00} is withdrawn from your account and its not you that is a huge concern to us as now the bank account is almost completely drained. We have opened up another appeal for the previous cases and are again waiting on an update which they have never been forthcoming in giving us.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have submitted the attached letter on XX/XX/2022 to Equifax. Additionally, I submitted evidence that the account in question is closed and no longer active. 

However, Equifax continues to report as an open account and it is negatively affecting my credit. They have not responded. 

They have not responded and have not removed this from my credit report. 

Please assist me in having this account removed from my credit report. 

Thank you!
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit shows a car loan that is in repossession status. I previously spoke to XXXX explaining that the car wasnt mines and I was a victim of identity theft. I received a letter in the mail once the car was successfully recovered and the car was sold & the remaining balance was satisfied, As of XX/XX/2022. Ive be disputing this multiple times through XXXX XXXX and Im not sure if thats the issue or what. Im unable to actually do anything for myself because somebody took advantage of my credit before I ever had a chance to and I still have no idea how! XXXX shows my SSN is on the dark web so Im not sure if thats how or what but this is completely ridiculous! I just want to be able to actually obtain something with my credit for myself and take advantage of credit so it can be used in the proper manner! I have a repossession and so many late payments its a crying shame for things Ive never had or seen a day in my life!
Consumer complaint received 2023-01-27
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. (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate US DEPT ED Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Friday XXXX XXXX  PST I received an alert on my phone from XXXX ( XXXX ) XXXX-XXXX  to my mobile phone. It alerted me with fraudulent activity for XXXX XX/XX/XXXX {$10.00} Declined, XXXX {$21.00}XX/XX/XXXX Declined, and {$3500.00} XXXX approved XX/XX/XXXX. It also stated if I recognize the activity, reply Yes. If not, reply No. Bank of America said Thanks for confirming your transaction you will be receiving a call shortly. Shortly after, I received a call from Bank of America Customer Service XXXX ( XXXX ) XXXX-XXXX. The agent gave me her agent number and reported that there's fraudulent activity from Texas XXXX, XXXX XXXX, and XXXX. She said the first two transactions got declined, however, XXXX went through and stated that I needed to reverse the transaction. I was skeptical at first, but the fact that it was a Bank of America number, and I do get alerts from Bank of America, I thought they were who they say they are. She walked me through the process of " reversing '' the transaction with XXXX ( which showed up on my email as XXXX XXXX with XXXX ) and said that a new debit will be mailed to my parent 's address ( in which I am currently visiting as my grandmother is ill at the moment ). On Monday, my debit card did not arrive. Today XX/XX/XXXXTuesday, my card still has not arrived so I called Bank of America and they transferred me to fraud. The department let me know I am a victim of being scammed and mentioned that they will file a claim. On my end, I wanted to make sure I file a report with as much information so that this does not happen to anyone else and that people do the right thing.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (CT)

On XX/XX/2022 I made a purchase at XXXX 's XXXX  in XXXX at about XXXX. Immediately afterwards I received text messages showing that transactions for : ( 1 ) {$100.00} XXXXAtm withdrawal - XXXX XXXX rejected for wrong Pin. XXXX, NY. 
( 2 ) {$180.00} -Atm withdrawal - XXXX XXXX - rejected for insufficient funds. XXXX, NY. 
( 3 ) {$82.00} -Atm withdrawal - XXXX XXXX XXXX rejected for insufficient funds. XXXX, NY. 

I immediately checked my bank account and found that 3 unauthorized transactions had gone through : ( 1 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
( 2 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
( 3 ) {$100.00} + {$2.00} ATM fee at XXXX XXXX in XXXX NY. 
Totalling {$310.00} in unauthorized transactions. 

I immediately emailed my bank ( Albert ) and they told me there was nothing that they could do until the transactions settled. Next, I froze my ATM card. On Sunday XX/XX/2022 The transactions settled and I filed a dispute. Albert 's " XXXX  '' ( that's what they call their employees ) concluded incorrectly that the charges were legitimate. 

I asked them to reconsider their findings because I would have had to be in 2 places at once in order to make transactions in XXXX at XXXX and XXXX at XXXX. They closed the investigation and told me that they would not be crediting my account.
Consumer complaint received 2022-07-03
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)

This account was added to my credit report without my knowledge or consent. I am a victim of fraud. This account was added to my credit report one day and it is damaging my credit report and I would like to have it removed. This regional acceptance needs to be removed from my credit report as soon as possible.
Consumer complaint received 2022-07-03
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My credit report was placed with an area called consumer affairs with this cre4dit reporting agency. they have just flat out been horrible to deal with there is an address that reports that is not mine and every once in a while it comes back which makes other items that report with my name and that address populate that may not be mine or may be inaccurate. 

I've made it very clear to them to delete it and suppress it like the other bureaus have but they have refused to do so. 

I guess this credit reporting agency does not like to follow the FCRA laws or the mixed file rules and regulations on how to correct things and suppress things so that things don't re report. 

so once again the address on XXXX XXXX is not an address that I live at, use, or have credit associated with and if one of the institutions I deal with is somehow using it I'll reach out to those institutions too and let them know but I'd like the address suppressed my address should be the address that's on my profile with you and on my profile with them and nowhere else.
Consumer complaint received 2022-07-03
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. (NV)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # XXXX
Consumer complaint received 2022-07-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (WA)

On XX/XX/2022 I opened a Citi Accelerate Savings account online with the rate of 1.0 % interest rate and 1.01 % APY. I have deposit {$130000.00} in this account. The XX/XX/2022 statement only paid 0.6 % ( {$56.00} ). The XX/XX/2022 statement only paid 0.89 % ( {$99.00} ). I called Citibank to inquire about this error. The XXXX said they can change the rate at any time and that is why it only paid 0.6 % and 0.89 %. I told them I have checked my account XXXX times a week since opening the account and it stated 1.0 % every time. They told me too bad but that is how it works. This is a clear case of bait and switch. They have been advertising this interest rate for WA and other state residents for months. Citibank has also not allowed me to link my account to other external bank accounts so that I can withdraw money. They message says access blocked every time I try to link an external bank account through Citibank.
Consumer complaint received 2023-03-02
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. (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. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 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 2022-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (TX)

Recently I was terminated from my employment with another company. In the termination they stated someone had reported " Account Abuse '' on my XXXX  report and that I should obtain a report. I obtained a report and just received it. On the report Citibank is reporting an account as account abuse and charged off. Firstly I am a victim of identity theft, I never authorized any account 's to be open with this bank, I did not receive any checks from this bank. I did not receive any debit cards or any information about this account being opened from this bank. They did not call me to clear the fraud alert on my credit file and instead allowed the fraudulent account to be opened. Last year I had to file bankruptcy because of the Identity theft and all of the charges that occurred this account was not only included but it was discharged. However Citibank assumes I owe them for an account I never authorized. They are illegally attempting to collect a debt, and Illegally providing false information to XXXX about an account I had no knowledge about. I never authorized anyone to use my information, My wallet was stolen and CITIBANK WAS NOTIFIED. Citibank continues to choose to violate my consumer rights and continues to report the account monthly to XXXX as account abuse and all I have of this account is the last 4 numbers that's all it shows I never received any documents from this account, and I never received any monetary benefits from this account. XXXX is the last 4 digits and all it shows with a balance of {$900.00} It says Reported for " Account Abuse '' I didn't abuse any account 's because I DIDN'T EVEN AUTHORIZE THIS ACCOUNT. How can you open fraudulent accounts in peoples name without their permission, and then proceed to report it as account abuse are you kidding? There is no abuse because I never received anything from this account. ID Theft affidavit is below. Bankruptcy was discharged XX/XX/2021. You are illegally reporting false information and did not verify anything.
Consumer complaint received 2022-07-03
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)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX  XXXXBalance {$590.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXX XXXX-Balance {$0.00}