davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

My name is MXXXX XXXX XXXX XXXX and I have held a Citibank account for a couple of years now. Recently, there has been unauthorized withdrawals, reversals and evident banking calculation errors. I do not have co signers on the account and individuals working for Citibank request entire card numbers, account numbers, my entire social security # XXXX, address and maiden names to FIX their deliberate banking calculation errors. Citibank blames their system and a representative XXXX whom always picks up my line XXXX claims " it's my man, it's my name or starts yelling incessantly, or why is he with you and not me! '' Recently XX/XX/2021 the erratic representative named XXXX picked-up the line for Citibank and reversed {$89.00} for an incidental stay on XX/XX/2021 at an XXXX. XXXX claimed the woman, hence I, was dead. I told XXXX I was not dead and do have an ACTIVE Citibank account. Furthermore, I did not authorize the reversal of the {$89.00} and a woman named XXXX gave me a 21 digit complaint number for account THEFT. Then today XXXX my card was overcharged by {$3.00}. The representative XXXX  and XXXX requested that I provide them sensitive information to gain access to my account. Citibank sent and email stating that XXXX, XXXX, XXXX and XXXX were Citibank frauds. Please help Citibank correct and hire reputable account calculation managers. 
I Ms. XXXX XXXX XXXX # XXXX am currently a guest in XXXX Florida XXXX. My number is XXXX if you would like to reported the fraudulence of XXXX, XXXX, XXXX and XXXX posing as Citibank workers to the federal bureau of investigation or the authorities.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am formally disputing the account XXXX XXXX Acct # XXXX. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1629g, you are legally required to verify this debt. Failure to provide proper verification will result in a violation of federal and state regulations governing debt collection practices.

Under the FDCPA, your verification must include the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A detailed breakdown of the total amount due, including principal, interest, and any additional charges ; Documentation for each charge, including the date and basis for each charge.

I dispute this debt for the following reasons : [ Insert reason ( s ) for dispute ].

Given this dispute, you are legally obligated not to report this debt to any credit reporting agencies. If this debt has already been reported, you must immediately notify the credit reporting agencies that the debt is disputed and remove the tradeline from my credit report. Reporting information you know to be inaccurate, or failing to correct such information, constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Furthermore, except for providing verification of this debt, you are required by law to cease all communication with me regarding this matter. Any attempt to contact me in violation of this request will be treated as a breach of your legal obligations under the FDCPA. 

This matter demands your immediate attention. I expect full compliance with all legal requirements without delay. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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. (IL)

It appears that my credit file has been compromised. I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these accounts as soon as possible. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$230.00}
Consumer complaint received 2021-01-02
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: Experian Information Solutions Inc. (TX)

XX/XX/2020, {$520.00}. XXXX  is both a credit report and Collection agency as per conversation with Experian and XXXX. XXXX XXXX. aka XXXX took on a third party contract ( which XXXX  failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from Experian stated XXXX was acting on the collection agency side on the date of submitting to the bureaus. XXXX  XXXX abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). XXXX  failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, XXXX made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from Experian that XXXX  was the agency to contact, I spoke with XXXX  on XX/XX/2020. XXXX  advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with XXXX  the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by Experian that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. XXXX  refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All XXXX  advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency XXXX and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****XXXX  HAS VIOLATED MY RIGHTS AND HAVE USED COVID19 to try to get away with their ABUSE AND MISUSE OF THEIR POWERS
Consumer complaint received 2019-03-24
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: CNG FINANCIAL CORPORATION (CA)

My social security card was stolen with lots of my document in the year XX/XX/2017during XX/XX/XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from my credit report
Consumer complaint received 2021-04-05
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: Experian Information Solutions Inc. (GA)

I have sent Certified Mail and have receipts as well as Called Experian a number of times. They are trained to send you in circles when you have a problem. All I need is to have this incorrect information removed from my credit report. Why is our credit in the hands of a company that can not give you any answers?
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

There is a bankruptcy that is showing on three bureaus that does not belong to me I have reached out to the bureaus the courts and asked them to remove this since it is not mine and they have yet to get back to me to see how they are verifying that this information is mine or how this is related to me. 
US BKPT CT NV XXXX XXXX - Reference Number XXXX Court US BKPT CT NV XXXX XXXX
Consumer complaint received 2021-02-22
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: Experian Information Solutions Inc. (TX)

I am filing this complaint because XXXX XXXX XXXX XXXX has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. 

Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I took out the loan in late 2019 ( XXXX ) in the amount of {$800.00}. Since then I have paid {$190.00} every two weeks for a total of over {$2300.00} to this lender and now I find out that I will have a balloon payment of {$900.00} at the end of the term. I was not informed of this at the time of origination of the loan and would not have agreed to this. I have more than paid back the money borrowed, several times over and ask to be released from this debt immediately. This type of predatory lending is unethical and should be illegal.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I am a victim of identity theft and I am starting to see that someone is applying for credit in my name I just brought a house on XX/XX/XXXX and I haven't applied for anything. Also I am seeing at lease to debt collections that have been paid and was placed on my 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 XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-03-31
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 recently check my credit from XXXX and I notice a few fraudulent accounts on my credit report. I don't normal check my credit but I was at shocked when I saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, I believe I was affected by the Equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and I was told to get an FTC report.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The Summer of XX/XX/2018 I was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/2018. All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021, I was unable to access my online account with Capital One. I have been using the same computer to log into my account and there is no reason for this suspicious alert to be initiated by Capital One. They insist on linking a phone number to your account so that they can pester you with unwanted text messages that the Customer has to pay for. The fact that Capital One does not have email to send a customer a Code for a 2 Step Verification needs to be investigated as well. All credit card companies and other agencies that use 2 step verifications give the user the option to receive their codes by phone or email, After spending nearly an hour on the phone as well as submitting my Identification, Capital One still has not unlocked my online account. Since I pay my bill online and do not receive paper statements, Capital One needs to unlock my account otherwise I will close both accounts. If I am charged a Late Fee because my account can not be paid on time, I will present this matter for dispute.
Consumer complaint received 2021-03-31
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. (TX)

I was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!
Consumer complaint received 2021-09-14
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-11-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NV)

During a refinance an auto payment was made to the existing loan {$1400.00} but was held because the closing had already been scheduled. After the closing Freedom Mortgage couldn't account for that money. I have called multiple times to the servicing and closing departments and neither can reconcile. First they claimed it went to the original loan, then claimed it was applied to the new loan, then claimed it was transferred to escrow, as yet they have not been able to provide a statement that accounts for the missing money. Most recently I spoke with XXXX XXXX Closing advisor Direct line. XXXX. He escalate the request for updated closing and payoff documents more than a month ago. I also spoke with XXXX ID # XXXX and XXXX ID # XXXX each claimed to sending those requested documents but after 2 months neither have, I have requested a supervisor call to resolve and have never received a call back yet.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX, expedian and XXXX are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from expedian letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian Credit Bureau XX/XX/XXXX Experian erroneously shows that I was late 20 times on the page it describes as what " lenders '' will see. However, I have never been late with any payments. I applied for Ch. XXXX bankruptcy on XX/XX/XXXX, and all my accounts were closed before any of my payments would be late or missing. I attempted to dispute the late statuses through the process on the Experian website, but all of the lenders show " exceptional payment history, '' which is correct ; therefore, there is nothing I can dispute with the creditors. 

Moreover, the other two bureaus ( XXXX and XXXX ) reflect accurately no late payments and my credit scores with these bureaus accurately reflect the only negative item on my report, which was the Ch. XXXX BR. It is important to point out that the XXXX and XXXX credit scores are in the mid-600s range and show a " fair '' rating, as opposed to Experian which shows a XXXX poor rating along with showing 20 times late with payments. I realize that the scores can be different for different bureaus, but I would like to see if my Experian score comes up to the level of the other bureaus once the " late '' statuses are reflected on the page that shows my score ( the linked pages show " exceptional payment history '', so I gather the error is with Experian and not the reporting lenders ), I am attempting to find housing and employment, which is crucial for my survival right now, and I fear my prospects of employment and being able to rent a place to live are in jeopardy because of my Experian report. I attempted to contact Experian on their website today ( XX/XX/XXXX ) and was routed through a phone tree that had no option for me to select and kept disconnecting me.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my credit report profile and I seen inaccurate information that was unauthorized. I am very upset that I seen this because I applied for a credit card and got denied. I was XXXX disappointed and I need this resolve now. Please see upload
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (NY)

I was getting increased and harassing collection attempt calls from American Express about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted American Express ( AMEX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX  that I disputed this account with no response each time from AMEX regarding this account. I did however receive a letter from a collection company named XXXX XXXX XXXX, XXXX. They claimed they are trying to collect a debt from AMEX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing this erroneous account with AMEX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to XXXX XXXX XXXX that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XXXX XXXX XXXX. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither XXXX XXXX XXXX or AMEX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by XXXX XXXX XXXX that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with AMEX. I have seen plenty of complaints against both AMEX and XXXX XXXX XXXX for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (FL)

My discover account was closed over 7 years ago ( 2013 ) and I have disputed it on all the credit Bureaus. Most removed the account. XXXX  has not and instead discover is now negatively impacting my credit with added late payments each month. The company never got in touch with me in over 7 years and had it marked as a charge off/ profit loss the entire time causing me to be denied for several opportunities based on credit worthiness. Not to mention that it was wrongfully out that amount to begin with. After making one payment with my fathers bank account, of which he reported as fraud, they then Removed every payment i had ever made putting a XXXX dollar credit card at XXXX debt. Now its time for it to be removed from credit report entirely and instead they are adding even more negative impacts.