davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TN)

My name is XXXX XXXX and I have a checking account with Citi bank they have a freeze on my account and will not let me access my funds because they said there is suspicious activity. They said they can't verify my phone number and it isn't under my name. I have given them XXXX phone number that is mine and only in my name and another which I have used for more than 10 years which is under my sister 's. She called and had my number caller id to show my name with her provider. They also said they would send me a letter via the USPS to verify my identity I would receive it in XXXX business days. That was on XX/XX/2021. I called last week as I had not received the letter they stated they mailed out another letter. I called today XX/XX/XXXX and was told that the letter was not sent to the address I opened my account with but to the address provided to them by the company that they use to verify identies. I have offered to send them a copy of my driver 's license, social Security card, birth certificate, voter registration card, they can call social security where my deposit comes from. They can call the wireless provider where I have my phone account through as well as call another bank that I have a checking account through. They said the only way they can verify my account is to wait for the letter in the USPS which is not coming to my current address. I have lost my storage as well as not being able to get my XXXX medicine due to this. I don't know where to go from here.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

On XXXX, XXXX I received a XXXX dollars invoice XXXX from XXXX XXXX XXXX ( XXXX  ), for XXXX membership renewal. I contacted by phone XXXX XXXX XXXX, Executive Director of XXXX and authorized a one-time charge of XXXX dollars to my XXXX 's XXXX XXXXXXXX XXXX  credit card XXXX XXXX XXXX XXXX, in order to pay that balance in full. XXXX charged XXXX dollars to my credit card in XXXX, XXXX. 
On XX/XX/XXXX and XX/XX/XXXX XXXX made two charges of XXXX dollars each, total of XXXX to my XXXX credit card. I tried to contact XXXX  by phone, fax, e-mail but they never answered me. I even drove to XXXX 's office and it was closed. I contacted the card company to XXXX XXXX XXXX, to place those new charges of XXXX  in dispute. The credit card company, Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mailed me a letter stating that those charges were placed on dispute and that they will mail me a form if they need additional information. They never send me any form. Anyhow, I mailed to their XXXX XXXX XXXX XXXX Florida XXXX and also faxed to their fax XXXX XXXX XXXX all the pertinent documentation proven my dispute. Next, the credit card company send me a letter, making me responsible of those XXXX XXXX dollars charges, as " the cancellation policy for trial offers and product/service enrollment is determined by the merchant, and the merchant is indicating this was not cancelled according to the agreement. '' This statement does not apply to me. I paid my membership in full to XXXX on XX/XX/XXXX. I never signed any agreement. I contacted the credit card company again, disputing this statement from XXXX. I even requested them to send me copies of any documentation from the merchant, but the credit card company refused. 
This is an scam form XXXX and the credit card company is sponsoring this scam. 
XXXX XXXXXXXX XXXX
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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

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 report is not accurate. This ground for removal they also violated my rights under 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 2022-12-20
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-06-29
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: SLM CORPORATION (AZ)

I have been attempting to get the inquiry from Sallie Mae off my credit report since XX/XX/2021. I have called them and spoke to " XXXX '' in XXXX who stated she was documenting as fraud and would forward this to their fraud department. The inquiry stays on. I mailed a letter to Sallie Mae advising this was fraud and requesting they take off the inquiry. They responded saying it was valid and to contact them if fraud. This company has been contacted by me, sent letters by me and refuses to assist. Their fraud service number is always unable to go at XXXX.
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX Balance : {$28000.00} - Late open XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX XXXX : {$28000.00} - Late open
Consumer complaint received 2022-05-02
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (MI)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ;
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a validation letter to Equifax to validate a debt. They sent back a letter each time stating the debt was verified. I also asked Equifax to send me copies of any and all documents they used to verify this account # XXXX from XXXX. This is violation of my consumer rights. 
XXXX US code XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Restriction on sharing of medical information and XXXX XXXX XXXX XXXX ( XXXX ) also XXXX XXXX. XXXX ( a ) ( XXXX ) Permissible purposes of consumer reports
Consumer complaint received 2023-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (NJ)

I was kicked out of school, because of false allegations. All I received was a email from the school without stating I was dismissed. There was no investigation or evidence presented. Then they canceled my email, I was not able to contact anyone. This was done within two semester of me obtaining my XXXX degree. These credits are non transferable there for forcing me to obtain new funding as I would have to start my academic journey for a second time. 
XXXX XXXX  was also on the verge of closing their XXXX campus which brought them pressure to downsize, I believe this was the main cause for my wrongful termination.
Consumer complaint received 2023-06-29
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. (GA)

I sent in a dispute that was received on XX/XX/2023. When I called in to the automated system it stated that all three of my accounts where deleted. I sent equifax XXXX. A dispute letter disputing XXXX accounts for identity theft and they claim they only received the FTC reports for XXXX of the accounts and not the third. This dispute packet was sent certified mail and was staples together. 

I spoke to the super in the fraud department and he lied about the whole process and then hung up the phone on me. I reminded him this is why indenting theft happens and you guys have loss/ miss placed information that has my personal private information on them. 

Below is letter that was sent I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( XXXX ) that are to be blocked immediately XXXX. XXXX XXXX # XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX XXXX ( Beneficiary ) Enclosures : Identity Theft Report FCRA Section 605B ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (GA)

I reinvestigated my credit report, I discovered that some of the accounts were erroneous. The XXXX credit bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

First I received a email from XXXX so I login and see an inquiry from unknown company called Zions Debt Holdings LL so I immediately contacted XXXX you asked them about this and I asked for this to be removed from my credit report because I have any knowledge of these people with in few they Zions Debt Holdings LL sent me a text message violation of my right on as a consumer to In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (CA)

LENDING CLUB CORP- Account number XXXX*is reporting on my credit report. I have been a victim of identity theft and have sent documents to Lending Club proving that I am a victim along with copies of my credit reports, identity theft affidavit and police report. They have failed to respond. This account is not mine.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX and Experian has allowed XXXX XXXX to continue to damage my credit reports in violation of my rights under the FCRA. Two XXXX  XXXX credit cards were charged off in 2020 yet capital one did not provide me with a 1099 for each account, they are reporting incorrect balances over the limits I had when the cards were open, and they continue to report both cards as open as if the charge off happened the month before. These two accounts have been taken off my XXXX report yet XXXX and Experian still post one or both of these accounts knowing they are damaging my credit scores. My equifax score, which removed these accounts, is XXXX points higher.
Consumer complaint received 2022-02-01
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (PA)

I have reached out to XXXX and Equifax regarding fraudulent credit inquires on my report and both companies told me that it was nothing they can do, even tho i have a fraud alert on my credit file with both companies.
Consumer complaint received 2020-11-18
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. (GA)

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2022-05-02
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. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX and EXPERIAN XXXX XXXX  XXXX 120 days late in XX/XX/2018, XX/XX/2018, XX/XX/2018 You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX
Consumer complaint received 2022-05-02
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: TRUIST FINANCIAL CORPORATION (GA)

orting act XXXX Account # XXXXTruist has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose.
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 — Account information incorrect
Company: EQUIFAX, INC. (NC)

Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the XXXX pandemic. 

I kindly request you remove this negative reporting information from the period XXXX XXXX as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized due to XXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, XXXX XXXX
Consumer complaint received 2023-06-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc. (CO)

They're closing my account because they said I violated the terms of service which they can not tell me what terms of service I violated everything is linked to the account I get XXXX direct deposits I pay all my bills with that account it is very frustrating I don't understand why I can not get a simple answer from them