davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX and XXXX of XXXX fraud was committed on my Priority checking and savings accounts at Citibank. I was outside of the country when the theft, in the amount of approximately {$700.00} occurred. ( {$5000.00} was transferred from my savings to my checking but not withdrawn ). I called Citibank and was connected to the fraud investigation department who closed my accounts and opened new ones to be verified once I returned in XXXX and visited a branch. However, in XX/XX/XXXX my accounts were closed - due to my not signing signature cards! Once I returned to the States in XXXX I found two checks, {$95000.00} and {$5600.00}, along with several notices from Citibank in the mail claiming I owed money for a checking plus line of credit account! I never authorized or needed a line of credit with Citibank and I never made transactions at Citibank where I'd need it. That unauthorized line of credit was used during the commission of the crime to transfer money from my savings to my checking account! I never knew it existed until the theft occurred. I visited several branches of Citibank and spoke to several managers who all concurred that it was indeed a bank error. I was assured by the Citibank " back office '' over the phone that a letter would be forthcoming to send to the three credit reporting agencies which was never received. To date, my credit score has plummeted due to Citibank 's false claim. I am XXXX years old and ready to retire. My credit was exemplary before this fraud occurred on my accounts. Citibank did not protect me or my funds. For Citibank to arbitrarily close my accounts, claim in their records that I REQUESTED to close my accounts in XXXX while I was still outside of the country, and then mail me a letter stating my accounts were closed because I " failed to sign signature cards '' let me know that there is no communication between the new accounts and fraud investigation department. That checking plus line of credit was used in the crime and should have been seen as such. I was in the process of purchasing a retirement property and lost the opportunity to buy due to Citibank 's negative reporting to the credit agencies. I want my name cleared and charges brought against Citibank for an interruption of my life, causing me stress and aggravation with harassing phone calls and false records, not to mention ruining my credit making me unable to move forward with virtually anything! Your assistance is needed and appreciated.
Consumer complaint received 2022-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (ID)

Applied for a project loan through Home Depot in XX/XX/2021 for a window project. the loan was good for 6 months, so the project had to be completed prior to that. the project was completed, and Home Depot representatives never completed the loan charging process, and now expect me to either pay the difference, or reapply for another loan. they could just call the finance company and explain what happened, but they refuse to do so. I had spoke with at least 5 employess over the course of the past month and they all acknowledged that they seen the project loan in the system, yet no one chose to proceed to bill the project loan that the job was complete. All I want home depot to do is honor the original loan agreement which was for {$7800.00} I believe, instead of making me have two loans due to their error.
Consumer complaint received 2022-07-08
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)

I noticed 3 inquiries that I neither authorized nor had any connection with. On XX/XX/2022, XX/XX/2022, and XX/XX/2022, XXXX performed a Hard inquiry on my Equifax credit report. Upon contacting XXXX I was informed this was a bank that I have no personal account with or connection. Therefore due to this inquiry not being authorized, I requested to have this removed from Equifax at which time they informed me that I need to complete this report.
Consumer complaint received 2022-07-25
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. (CA)

In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit fouXXXX signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.
Consumer complaint received 2022-07-08
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: DISCOVER BANK (IL)

XXXX XXXX notified me that there had been a hard inquiry into my account. I decided to check XXXX and saw that Discover had conducted a hard inquiry on my credit report on XX/XX/2022. I reported the fraudulent use of my information to the Federal Trade Commission. Takes 24 hours to generate a report. Reference # XXXX but the temporary password is given by FTC and it does not work with my email account. I contacted XXXX and Discover to dispute the fraudulent inquiry. Before, I had filed a report with the XXXX XXXX online when a delivery from XXXX XXXX was stolen and never delivered to my address.
Consumer complaint received 2023-06-28
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. (NC)

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 XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

i just received my statement from bank of america and it even had that charges, let me back down. I recently went to a trip to XXXX new jersey. On my current statement, those charges from XXXX airport are present. As you know sometimes XXXX happens and i needed to use my bank of america debit not credit card. it ' '' debit is my cash, you nor bank of america have a right of any kind via us law to hold me from that money. Why don't you check with bank of ameica and check yourselves.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

Received a claim on XX/XX/2022 as part of a response to a complaint regarding a request for debt substantiation and their failure to provide substantiation on debt serviced by the same company, Firstmark Services, that separate debt also serviced by them that is paid up and current until XX/XX/2022 is listed as past due. This is despite the account having received a payment on XX/XX/2022 that was to bring the account current and another payment being rendered on XX/XX/2022 that paid the balance owed currently and future balances owed until XX/XX/2022. They claim, " we [ Firstmark Services ] must furnish your account data to the consumer reporting agencies. Under the Fair Credit Reporting Act, we [ Firstmark Services ] have an obligation to ensure data we furnish is accurate, '' while simultaneously and clearly providing evidence that they are currently misrepresenting account status in their notices and reporting system and due to this likely furnishing inaccurate information to those aforementioned consumer reporting agencies about other loans they are servicing at the same time.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DE)

Since XX/XX/XXXX I have been asking Equifax to add an extended fraud alert to my credit file. In mid XX/XX/XXXX I received confirmation from XXXX and XXXX that alerts were added to those files ; however, Equifax just keeps responding by asking me for the very same documents I have now sent to the NINE times. 

XX/XX/XXXX EFA requests mailed XX/XX/XXXX XXXX  requested police report to place EFA. Full request faxed XX/XX/XXXX Extended Alert request mailed again to XXXX w/new copy of DL XX/XX/XXXX Equifax sent me 1-year alert request denial for paperwork. Note : 1 year alert added XX/XX/XXXX. Extended Alert request faxed for 4th time. 

XX/XX/XXXX credit report still showing only : FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX Fifth Extended Alert request faxed to Equifax XX/XX/XXXX FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX As the proof of residence provided with initial request in XX/XX/XXXX was now 6 months old, full request with current Proof of Residence faxed AND mailed Equifax XX/XX/XXXX FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX Extended Alert request # XXXX mailed to Equifax XX/XX/XXXX FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CELLULAR XXXX Extended Alert request # XXXX faxed to Equifax XX/XX/XXXX Equifax sent XX/XX/XXXX requesting personal identification documents that have now been sent nine previous times. Extended Alert request # XXXX mailed to Equifax
Consumer complaint received 2023-01-06
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)

Equifax please remove XXXX  XXXX from the credit report. The included in bankruptcy should have been included 30 to 60 days after discharge of the bankruptcy. Based on your report you showing yourself the discharge was XX/XX/XXXX We are now in XXXX and its just now getting added to the report you know this is not right! And is in violation of the FCRA I have showed you factual based dispute that its wasnt on the report until XXXX please remove from the report immediately and send me a updated credit report showing the deletion in its entirety. Lets move forward this is whats wrong with the world today and its not getting anybody people are always trying to bring others down.
Consumer complaint received 2022-07-08
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

to whom it may concern this letter is in response to negative information that XXXX XXXX XXXX XXXX has placed on my credit report. i contacted experian credit reporting agency i sent then 32 pages of information proving my case against capital was fraudulant and experian refuse to remove the negativity that XXXX XXXX XXXX XXXX has placed on my credit report. i sent them a police report that i filed against XXXX XXXX XXXX XXXX for taking over XXXX $ from my bank account. i sent them proof of on XX/XX/XXXX XXXX XXXX added a fraudulant address to my credit report a address that is not linked to me or have never been linked to me i also sent the pictures of the address that XXXX XXXX added to my credit report i sent the pictures in color so that experian can see that the the house was a old burned down house the address that was added was XXXX XXXX XXXX XXXX XXXX ar XXXX capital one also added a fraudulant email address to my personal information a email that has never been linked to me. me and my lawyer has been trying to contact that email to see who owns it but no response.i have asked experian to please remove all the negative information from my credit report and they did remove some but did not remove all experian also told me that they do not have the power to remove the information even tho they see through the information i sent them that i was telling the truth but that they did not have the authority to remove the negative information i was told that only XXXX  XXXX auto finance have that authority. i have been working really hard on my case showing all proof that XXXX  XXXX is negalant in this matter but experian still refuse to correct the information XXXX  XXXX has ruined my credit and has caused me to become stressed and depressed with what is going on my lawyer and i were hoping that the credit reporting agencies would review all information and would do the right thing and remove and correct the lies that XXXX XXXX auto finance has placed on my credit report ... .my resolution is that experian remove all the negative information that XXXX XXXX has put on my credit report ... .i contacted equifax and they have totally cleared up all the negative that XXXX XXXX had put on my credit report.ATTENTION I WAS WARNED THAT XXXX XXXX COULD COME BACK AND PUT THE SAME NEGATIVE INFORMATION BACK ON MY CREDIT REPORT AGAIN. I WAS WARNED TO WATCH MY REPORT AND HE ALSO SAID THAT HE COULD SEE THAT TRANSUNION AND EXPERIAN WAS GIVING ME A HARD TIME WITH REMOVING THE LIES. HE ALSO TOLD ME NOT TO GIVE UP BECAUSE HE CAN SEE THAT XXXX XXXX XXXX XXXX IS USEING THE SAME TACTIC ON ME THAT XXXX XXXX USED BACK DURING THE HEIGHT OF THE RECESSION AND ALSO MY LAWYER SAID THE SAME THING. I WILL BE FILING OTHER CHARGES AGAINST XXXX XXXX XXXX XXXX SOON.
Consumer complaint received 2021-09-30
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. (OK)

This pertains to all 3 credit report agencies XXXX XXXX XXXX and equaifax. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on XXXX XXXX after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.
Consumer complaint received 2022-07-08
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. (SC)

Greetings, I am unsure why the cases are still opened but the investigations have been completed on my end. However they were dismissed and investigated how they should have been by law. My rights have been violated. Please see attachment for more details or these violations and account numbers. Please allow a human to read the attached letter to receive a resolution. 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

PORTFOLIO RECOVERY ASSOCIATES LLC I just wrote a complaint ( XXXX ) on this company. Submitted to the CFPB on XX/XX/XXXX Now I'll tell you again this account Is not mine. 

My name is XXXX XXXX. 

Please refer to the company response where the name is incorrect. Not me! Response from Portfolio Recovery was this.. " Portfolio Recovery Associates , LLC ( XXXX ) investigated your complaint and verified the XXXX account XXXX in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V , state and local law, and industry guidelines. XXXX is a " Debt Buyer '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from debtors who owe such debt. Business records provided to us by XXXX XXXX XXXX XXXX XXXX  XXXX ) reflect that on or about XX/XX/XXXX, XXXX  XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX XXXX '' This is not me! 

My name again is XXXX XXXX. 

They have been reporting someone else 's name onto my credit report. They need to be fined for years of hassle and headache and remove this from my credit report.
Consumer complaint received 2021-11-21
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. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and needs to UPDATE completely from my Credit Report : XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXXXXXX bank was the original debtor owed. XXXX bought this account and tried to collect a debt, Well I didnt sign any contract with LVNV so this debt should be void. This has been going on since 2016 and it shouldnt be on my reports in the first place. If no contract or verbal authorization from myself was approved then legally they can not collect and should be taken off my credit report ASAP
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

My complaint id is XXXX .... I talk to XXXX from executive offices at pnc bank. She still claiming i withdrew {$1400.00} dollars. I explain to her you can only withdraw {$700.00} dollars.. Than tried to say they put the wrong date. I want to sue. Someone is withdrawing my money and it simple not true. My email has changed. It is now XXXX. Do i file my police report now or wait. I will also file with the Attorney Generals office. 

XXXX XXXX XXXX XXXX, nj XXXX XXXX.