davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-06-28
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)

I mailed out on XX/XX/XXXX2022 and received no response from department of educationXXXX XXXX in which I followed up on XX/XX/XXXX2022 via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XX/XX/XXXX. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.
Consumer complaint received 2022-07-12
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block this account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT 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.
Consumer complaint received 2024-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXXXXXX - XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Wells Fargo account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2022-08-10
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)

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX  XXXX XXXX  account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX account XXXX  account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX  XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Also the following inquiries Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-02
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)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with transunion. this info has been hindering my file. please review an remove the data listed to clear my file. none of the information listed is 100 % accurate on all 3 credit file. please delete an remove asap.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/year> XXXX transactions for the amount of {$2000.00} to the XXXX were taken from my checking about. They were unauthorized charges through my debit card. I immediately called the claims department at Wells Fargo to submit the claim when the first transaction happened. While I was on the phone with the claims department representative the second transaction happened. At the same time an unauthorized tele-transfer of the amount of {$1300.00} was pulled from one of my savings to my checking account. I demanded the representative freeze the account immediately to stop the fraudulent transactions. We have since closed those account and opened new ones with the same bank. 
The claims department sent a letter by main XX/XX/year> which we received XX/XX/year> stating that after their research they found the charges were made by me or someone I gave permission to. That they will be pulling the temporary credit of {$4000.00} from our account XX/XX/year>. 
The charges were made in XXXX, XXXX. I have never been to that city. I reside in XXXX, XXXX.
Consumer complaint received 2022-09-22
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00} 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.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CT)

On XXXX/XXXX and XX/XX/XXXX someone went into the Home Depot store in New York and New Jersey with and used a fraudulent license to make charges on my account. They did not have my credit card so they allowed them to use this license to charge on both occasions. The totals were : XX/XX/XXXX {$370.00} XX/XX/XXXX {$550.00} When I received my statement in XXXX I called immediately to alert them these were fraudulent charges. I also told them I called in a fraud alert to the credit bureau. They said they would open a claim. I still kept getting a bill so I called and they said they denied the claim. I told them how could you deny this is fraud. I had to maintain the minimum payment or I would be reported to the credit bureau. She refiled the claim again. They only removed the charges from XX/XX/XXXX. So I filed again and they denied it once again. This has been going on since XXXX they just keep giving me the run around. I still have a bill for {$520.00} and they are today they are claiming they dont know why the investigator keeps denying it. I once again have to pay the minimum or risk being reported. Can someone please help they are trying to make me responsible for fraudulent charges despite everything I have told them and I dont even live in that state. She asked for my license so they could compare. I thought this was strange because unless they made a photocopy of their license at the register how could they compare??? I also reported to them that Im XXXX someone tried to open 7 credit cards in my name and make charges. No other company allowed the charges to go through. They all removed the credit inquiries from my credit report. This is the only company that has been horrible to work with and makes their customers responsible for fraud. They also told me the Home Dept card is run by CitiBank
Consumer complaint received 2024-11-15
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

According to 15USC 1681. congressional Findings and Statement of purpose 15USC 1681 ( b ), Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Im requesting validation, made pursuant to the Fair Debt Collection Practices Act and The Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that Im requesting Validation ; that is Competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit reports including XXXX, XXXX, And XXXX ) From your company or any company that you represent, for any debt, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the fair Debt Collection Practices Act ( Including but not limited to section 807-8 -Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of Status.
Consumer complaint received 2022-09-22
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} 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.
Consumer complaint received 2022-09-22
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)

This is XXXX XXXX submitting this CFPB Complaint to request to the Credit Bureaus remove the remaining fraudulent accounts that are still reporting on my Credit file. I greatly appreciate the Credit Bureaus immediate action to have some of the disputed accounts immediately removed from my Credit File but there are still accounts that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to immediately remove any accounts and information that resulted due to identity theft. Also, if the Credit Bureaus would claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or any documents bearing my signature to support the Credit Bureaus claims. Once again, I am looking forward for the immediate removal of the following accounts that are still reporting on my Credit File : XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/2016 XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/2016 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00}
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I have never been late on my Citi XXXX XXXX card ( or any other card or bill for that matter ). I pay the balance in full every month. All of my 4 credit cards are due on the XXXX of the month. At the beginning of the month, I set up all of my bank drafts for my bills. For some reason, none of the 4 drafts went through for the XXXX payments. I did not notice the error until XX/XX/ and paid each in full immediately when I discovered the error. 
I use the Citi card for almost all charges, resulting in tens of thousands of merchant fees to Citi. 
The lesser used cards provided one-time courtesy waivers of interest and late fees. I contacted Citi and they refuse to extend me any courtesy waiver whatsoever. 
As I wrote to " XXXX '' in our chat : " Please know that my other cards with lesser usage have waived the interest and fees [ caused by this one-time mistake ]. Be sure to let your supervisors ( and anyone else know ) that this request was for a courtesy waiver of {$140.00} on an account that charges tens of thousands of dollars. Citi must think it's the only game in town. Say goodbye to all of those merchant charges and monies you make from my use on this card. I will shift the majority of charges to other, more forgiving, card issuers. '' I then offered Citi one more chance to re-consider it's position and credit my account. " XXXX '' told me nothing could be done and I could call a supervisor. Instead, I'm submitting this complaint ( and publishing it ) because we all have choices when it comes to the credit cards we use ( and which card benefits from the merchant fees those charges generate ).
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

I have just a Wayfair company card and have not used it for over a year. I made a purchase on XXXX on my store CC. 
Then on XX/XX/XXXX and again on XX/XX/XXXX I received emails about the Wayfair XXXX I requested to be opened. 
I was very surprised at these emails because I never made any requests. 
CITI will not help with any investigation, they have no clue what is going on, they transfer me to departments that are closed, hang up on me and want me to give them my social security number!!! They refuse to do anything unless I give them my full SSN. I find this incredibly insane since I was able to purchase a {$400.00} chair with no CC # and without my SS #, but now when I need help because they have caused a fraudulent situation they will not help at all! 
Im sure Im not the only one whos information has been compromised by this poor excuse for a company, they are putting people at risk daily!
Consumer complaint received 2022-02-14
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: The CMI Group, Inc. (GA)

I recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are XXXX visits to the emergency room in XXXX on my report I have not been to the emergency room since I lived in XXXX in XXXX  I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX XXXX I have never had cable from XXXX the last time I had cable television was in XXXX XXXX!!! Im in the midst of trying to make a police report and get this handled.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC (AL)

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 2022-05-27
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I filed a complaint against Equifax case # XXXX regarding XXXX XXXX acct XXXX XXXX that is on my credit report. Just take a look at the documents I have attached from both Equifax and XXXX. None of their reporting is accurate and dont even match! This is unacceptable! This is where you can tell there was NO INVESTIGATION! I should get legal representation because According to Equifax response as I am quoting Please be advised that an internal review was completed and results were mailed to you. We hope this resolves your concerns. I never received any results or any response about the accuracy of the XXXX XXXX acct or investigation and steps that were taken to verify this acct! XXXX XXXX Another violation based on the last reported date on this XXXX XXXX # XXXX the last reported date of activity was back on XX/XX/XXXX I live in the state of Florida and XXXX statue of limitations is 5 years! This acct is well over 7 years. There is no date of delinquency, pass due XXXX reported XXXX This is a clear violation/s. Its been over 35 days and no response either by mail or phone calls from either party this includes XXXX XXXX, Equifax, XXXX or third party collections! Please provide detail results of how the investigation was conducted by whom and supporting documents that this account is accurate! If not please delete this acct from my Equifax and XXXX Credit Report. Thank you