davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
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: WELLS FARGO & COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/year>, I applied for an apartment and made a deposit from my Ally Savings Account. The deposit went through successfully, but on XX/XX/year>, I was informed by apartment staff that the deposit had been charged back by the bank as my account had been frozen by Ally, which was supported by the ledger provided. However, when I reached out to Ally to ask why my account had been frozen, they had no explanation and did not offer any recompensation.
Consumer complaint received 2022-11-30
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: CBC Companies, Inc. (CT)

I have reached out many times to the companys reporting on my credit reports and matched info For my social and birthday address which they agreed did not match my true identity and all agreed to delete all accounts from my credit reports permanently.
Consumer complaint received 2022-04-19
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX has violated my rights . 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OK)

I opened a Citi checking account to receive the Welcome Checking Cash Bonus Offer, and funded it on XX/XX/XXXX. I maintained the account balance through XX/XX/XXXX. 

I reached out to Citi on XX/XX/XXXX to confirm I was correctly enrolled in the bonus program, and a Citi representative told me verbatim : " Terms : The bonus will be credited to the existing Account within 90 calendar days from the date when the client completed all required activities ( Opened Account, deposited with in 20 days from Account Opening and maintained for 60 days ) 60+90 days Basically. '' I have attached screenshots of the conversation. 

I reached out to a second Citi representative on XX/XX/XXXX because it had been more than the 60+90 days referenced by the first Citi representative, and I still had not received my bonus. The second representative agreed that I had met the terms of the bonus offer, and offered to file a dispute on my behalf. I have attached screenshots of the conversation. 

I received an email from the Citi Client Care Team on XX/XX/XXXX, stating that they had researched the matter and I did not qualify for the bonus. I am a bit flummoxed, as I know that I fulfilled the bonus qualification requirements and have effectively had two separate Citi representatives confirm the same.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX I was subject to fraudulent charges on my Citi bank credit card account. My wallet was stolen which contained my ID, and XXXX credit cards. My other credit card company quickly rectified the situation after I reported my card stolen. I also reported to Citi that my wallet, ID, and card were stolen. However, Citibank has yet to resolve the XXXX charges totaling {$1100.00} dollars. 

The case was originally closed in XXXX after Citi spoke to the merchant without any follow up or requests for additional information to me. I formally requested that the case be re-opened and that I was further disputing the resolution. Over the last XXXX days, I have provided a variety of information requested by Citi including : Police report for the stolen wallet XXXX appointment confirmation for new license replacement New license XXXX receipt Original Citi Fraud Alert dated XX/XX/XXXX where they themselves flagged the activity as fraud Resolution notice from my other credit card company that successfully already resolved The information seems to go into a black hole, and the level of support from Citi has been very discouraging and does not appear to follow the regulations set forth in the Fair Credit Billing Act. The basis for my complaint includes the following : The total time this has been ongoing is now XXXX days which well exceeds the XXXX expectations laid out by the Fair Credit Billing Act. 
The lack of communication from the Citi phone representatives has been extremely disappointing as they dont have the latest information and have required me to repeat information every time I call in asking for updates. 
No real updates are ever provided other than that another team is looking into it, yet they have no way for me to contact the other team. 
The conduct and demeanor of the phone representatives have been accusatory and discriminatory in nature. Instead of looking out for my best interest as a XXXX year customer I feel taken advantage of and left unprotected. 
Not reopening the case despite my formal request to do so verbally and in writing. This goes against the Fair Credit Billing Act. 
They have charged me interest and late fees even though these charges are under investigation which goes against the Fair Credit Billing Act for charges under investigation. 
They have reported by account delinquent to credit agencies XXXX and XXXX which has now dropped by credit score by XXXX points. This goes against the Fair Credit Billing Act for charges under investigation.
Consumer complaint received 2016-01-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc. (IA)

I received a billing statement from XXXX XXXX on XXXX XXXX XXXX. This statement was dated XXXX XXXX XXXX, and was for the amount of {$100.00}. The due date was XXXX XXXX XXXX. The statement shows the amount, {$100.00} as 0-60 Days, Current. Not past due, not Delinquent, but Current. I paid this bill, check # XXXX, XXXX XXXX XXXX in the amount owed, {$100.00}. I needed to verify what the amounts were for, as XXXX has fraudulently billed my insurance carrier ( XXXX ) for a humidifier that I never had. Unfortunately, XXXX had already paid them {$150.00} before I found out and put a stop to it. Once I was able to verify that the amounts were for my XXXX machine, I paid the invoice. I received a letter from Global Receivables Solutions , Inc. dated XXXX XXXX XXXX saying my account was assigned to them for collection. They claim the collection is for the invoice which I had just paid, that was n't even past due.
Consumer complaint received 2022-09-08
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. (PA)

On XX/XX/XXXX, I filed a dispute with XXXX regarding an old collection account that they ( XXXX ) are still reporting on my credit and/or consumer report. They are reporting a collection account, from XXXX, on my credit report ; and furthermore the address on file for this account is not mine. So, these are two reasons why this shouldn't be on my report. ( 1 ) It's beyond the statute of limitations, and ( 2 ) it's using my personal information while utilizing an address that's not mine which is FRAUD. 
On XX/XX/XXXX, XXXX notified me that the collection account was not removed because the company who reported it had certified to XXXX that the information is accurate. 
Please, instruct all credit reporting bureaus and/or agencies to cease reporting all fraudulent information about me at once, as they are all in violation of multiple provisions of the FDCPA and FCRA. 
Please respond at your earliest convenience. 

Respectfully Submitted, XXXX XXXX
Consumer complaint received 2021-11-30
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: RFNA, LP (GA)

I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. 

Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party. 
( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies. 



Furthermore, the XXXX loan was an approval of a specific extension of line of credit used by my XXXX XXXX XXXXXXXX and XXXX XXXX 
15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit. 
( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : XXXX. ) Identity Theft CITICARDS CBNA Account number : XXXX This is not mine. 

XXXX. ) Identity Theft CXXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft CITI Account number : XXXX This is not mine.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

An account with XXXX XXXX was foreclosed in XXXX, XXXX. The credit reporting agency XXXX and Experian still displays that the account foreclosure is still in progress. XXXX is the only credit reporting agency who rectified the information. The account was foreclosed in XXXX, XXXX and they still have it reported as of XXXX.
Consumer complaint received 2021-12-13
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. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-01
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)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$2400.00} XXXX XXXX XXXX : XXXX -- -> : {$710.00} XXXX XXXX XXXX : XXXX -- -> : {$900.00}
Consumer complaint received 2021-06-16
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. (AR)

my name is XXXX XXXX I am writing to delete the following information off my file. the items I need deleted are listed in the report, I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I Reported the theft of my identity to the federal trade commission and I also have enclosed copies of the commissions identity theft affidavit. pleased delete these items as soon as possible. these negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2022-03-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have an auto loan with XXXX XXXX. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late or else delete it. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. (MN)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

There were a few accounts that were opened under my name that I didnt approve. Being that I was a victim of identity theft I made a police report that was approved. The bureaus claim that those accounts were verified even after police report was submitted
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (UT)

Capio Partners called me in XX/XX/XXXX and claimed they had a medical debt for {$1700.00} from a hospital visit in XX/XX/XXXX. I had collected and paid all hospital bills related to that visit, even had to hire a patient advocate to help collect everything. They gave me the name XXXX XXXX as the name of the medical provider that I owed. I've never heard of them. I called XXXX. I asked if this provider had attempted to bill me, and asked why they didn't bill my insurance. They claim they never received my insurance from the hospital- except every other provider, even the ambulance, managed to get it. They acknowledged that they had never called me and had only sent XXXX initial notification in XX/XX/XXXX, which I don't recall receiving. Of course I wouldn't have paid it at that point anyway, because they hadn't yet adjusted it for my insurance. But they never sent any further bills or made any calls or attempted to get my insurance info from the hospital. 

They sent me some kind of financial notification clearly not intended for the patient- it isn't a bill, it doesn't explain who the provider is or what they did for me. I emailed back and asked for a more accurate bill and never got a response. 

I called my insurance company, and they said they would no longer pay the claim because it's been more than a year. Capio told me that this bill would be my responsibility now. XXXX 's representative told me over the phone that it might be all down to XXXX issues, and that's why it didn't happen. I don't see how that means I need to pay {$1700.00} to a doctor I have no memory of even meeting.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (WI)

in 2018 XXXX  was cancelled ... claim by XXXX XXXX upgrade charge was due because early termination charge was due ... no update ever and no agreed charge ever took place .had the same box and service for more then 4 years contact with dish and they had no justification of charge for update which they told me they did not even want the box it was outdated and just recycle it gc services must of purchased closed misinformed account and are in a uninformed real transaction