davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, I received a text message alert from Citibank asking about a purchase. I responded that I did not authorize the purchase. I was immediately contacted by Citi fraud regarding the unauthorized attempt on my account. While on the phone with the Citi rep I was sent several Citi codes to help secure my accounts, which the Citi rep asked for to verify my account. I was on the phone for quite a while with this Citi rep when a message was sent to me asking about a transfer of funds through XXXX. The Citi rep told me it was a " test '' and no funds were leaving my accounts. After following his instructions, my account was immediately drained with the almost exact amounts in both my savings and checking. I was screaming at the Citi rep that my money was being stolen and he told me that he was locking my account and blocking all transactions. I checked my mobile app for Citi and my account was indeed locked. I asked for the information for the person who was trying to transfer funds out of my account and where the initial charge was attempted. He finally gave me the information at the end of the call. Feeling very uneasy, I called Citi fraud back and learned that both of my accounts were in fact drained of all funds while I was on the phone with the Citi rep. I spent the next 1.5 hours on the phone with the Citi fraud and Citi-XXXX fraud departments. It was confirmed by two Citi fraud representatives, during my second phone call that the Citi rep from my first phone call with the fraud department was a Citi employee. Additionally, when I went to Citibank - XXXX to open new checking and savings accounts, the bank manager confirmed that the numbers from which the texts the first Citi rep sent me text messages to take over my account came from the same Citi number that the bank manager received his messages. I was told on XX/XX/2021 that the stolen funds would be put back into my compromised account and then transferred to my new accounts on XX/XX/2021. As of today, XX/XX/2021, I have still not received my funds back. Moreover, I have been informed that IF Citi decides to return my money, it will not happen until XX/XX/2021. I believe I am not the only target of this Citi employee, that Citi is trying to cover it up and it is totally unfair that I had all my money stolen and Citi refuses to return it, especially since it was done by one of their employees. Attached to this complaint are the text messages I received while on the phone with the first Citi rep and the email I sent to our families personal banker for your review, response and file.
Consumer complaint received 2021-11-26
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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 inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-26
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: CORELOGIC INC (NY)

I am a consumer protected by consumer and federal law. CREDCO is in violation of using my social security card which is defined as a credit card pursuant to 15 USC 1602 ( l ) without any benefit to me as agent to my principle.
Consumer complaint received 2022-08-06
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 my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my reports coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block and removed any items in my credit record that came about due to an alleged identity theft or extortion. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$560.00}
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX XXXX mailed a check from the escrow account from refinancing my home {$7000.00} check mailed XX/XX/XXXX Delivered XX/XX/XXXX Cashed XX/XX/XXXX I called to find out what happened .... I emailed them the copy of the cleared check, the escrow account information, contact information ... EVERYTHING .... they are STILL charging me fees... reporting non payments ... even though I still made additional payments .... they are showing me past due, non payments, charging me all kinds of fees ... and now telling me that it will take up to TWO more billing cycles to fix .... that on XX/XX/XXXX it was sent to " processing " and processing can take up to XXXX MORE billing cycles This is illegal!! 
I am a 100 % XXXX veteran and I don't have {$7000.00} to loose... there is NO REASON they should be reporting late, overdue, and non payments to credit ..I... no reason they should still be charging me fees and more fees .....
Consumer complaint received 2022-08-02
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. (IN)

15 USC 1681 Section 602 A. States I have a the right to privacy. 15 USC 1681 Section 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written Instructions. 15 USC 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collect may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692B States that they may not use any language of symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST FINANCIAL BANCORP (OH)

I have attempted 3 times to close my XXXX  credit card issued by First Financial Bank ( XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX ). After 2 requests to close this account, I called on XX/XX/XXXXXXXX  and spoke with a representative named XXXX, who provided me with a confirmation number indicating that my account was closed. I received mail in XXXX XXXX  suggesting that this account was still open, at which time I called and was informed that the account is still open. I informed the representative XXXX XXXX XXXX representative # XXXX ) that I have tried to close this account many times and that keeping an account open after a customer requests that it be closed is a predatory practice. XXXX verbally confirmed that the account was closed, however, I received this same verbal confirmation during my prior calls. He was unable to provide me any written confirmation that the account had been closed, which I requested. He attempted to transfer me to an " account specialist '', however, this transfer simply took me back to the general call center queue. I continued to try to reach a specialist or supervisor and have been unable to do so.
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RevMD Partners, LLC. (SC)

RevMD Partners received a validation notice and a notice of account settlement with XXXX XXXX from me via priority mail no XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I have not received a valid response to validate that RevMD Partners are Holders in Due Course. In the notice received, Ive kindly requested for RevMD Partners to cease and desist. Revmd Partners ignored my request and during the validation process RevMD Partners changed their original reference number from : XXXX ( see letter date XX/XX/2022 ) to reference number : XXXX, with a new balance of {$490.00}, and new HIPPA violating documents. Due to the change, it yielded no additional fees with the XXXX XXXX. This account was settled with the XXXX XXXX on XX/XX/2022. 
Please be advised that RevMD Partners are not Holders in Due Course ; no services or goods were received from RevMD Partners and I have not agreed to pay/tender anything to RevMD Partners on behalf of their alleged client XXXX XXXX for any reason. 
RevMD Partners have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
This proves that RevMD Partners is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. I have not provided signed any wet-ink releases of my private medical information to RevMD Partners.

This is proof that my HIPPA rights have been violated according to the letter from RevMD Partners providing a list of unverified medical service fees provided via US mail on XX/XX/2022 RevMD Partners do not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. RevMD Partners reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.
Consumer complaint received 2022-08-02
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. (KS)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX A XXXX XXXX Employer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Consumer complaint received 2022-03-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : 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 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I have had a ton of fraud on my paypal account and after getting everything fixed, accounts closed and reset with no help from paypal becuase they do not offer support my account is now suspended ( after fixing myself ). In order to resolve they are asking to resent my password which I have done countless times, verify my identity which I have done, upload a copy of a bill, and then provide a copy of my drivers license. 

For a company that has zero support and no one to talk to, asking me to upload a copy of my ID is a joke. I refuse to send them a copy of my ID when they have no accountability for anything they do. 

I have asked for alternatives to get the account unlocked so I can get my money out of there and close the account but to no avail. There is not a lot of money in there but they might as well be asking their customer to just provide their SSN, DL, date of birth, mothers maiden name, and blood type to sell to spammers. 

I'm sure there is nothing that can be done and I will lose the little bit of money that is in there but I would rather not have more fraud in my life from a company that I know has a horrible reputation. If you can help that would be great or if they want to see my ID I would be more than happy to show it but I am not uploading it for them to keep forever. PayPal really should be shut down and prohibited from operating in the U.S.
Consumer complaint received 2021-08-25
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: ProCollect, Inc. (FL)

XXXX XXXX I mailed a certified dispute letter to ProCollect , Inc and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/ I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 300 complaints on XXXX they also have over 700 complaints with the CFPB
Consumer complaint received 2020-07-17
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. (CA)

I am still in preparations in purchasing a home, I have been monitoring my credit report thru XXXX and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit. Some have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX | XX/XX/2019, XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX  | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019. I am doing this on my on behalf to I can continue my home buying process.
Consumer complaint received 2021-11-30
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. (NV)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-11-26
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. (FL)

Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-08-24
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. (WI)

I called each credit bureau early XX/XX/2021 because I noticed accounts reporting inaccurately and they all told me to send disputes including my ID, SS #, and a utility bill proving my identity and address. So XX/XX/XXXX I sent out my disputes CERTIFIED MAIL and I have proof they were received. They have NOT updated, deleted, or even responded to me. Please help
Consumer complaint received 2023-03-22
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. (TX)

I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. Please take a look at the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history.