davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I was in the last month of my least and gave them notice within the 60 days required that I was moving. I have a video of my apartment on my last day showing the cleaning was completed. In the video it will show the condition of the apartment it needed the carpet cleaned and a few blinds replaced ( all normal wear and tear when you live in a home ) and a handle that came off but was left on the counter. I did not attempt to get my deposit so that it could be used to clean the carpets and replace the blinds plus put the handle back on. Other then that there was no damages and EVERYTHING was clean and ready for the next tenet. I have asked for proof from them of any damages or receipts from any services they preformed multiple times and a itemized account of charges and have not received nothing to support their claim. I do not know how they are saying I owe them {$4500.00} to me they are commenting fraud and trying to scam me out of money I do not owe. I will be happy to provide the video so that you can see for your self. I moved out on XX/XX/2019 my least was up on XX/XX/2019. This is a scam and fraud I have disputed this for over a year and gave them the opportunity to correct their mistake and they have not so now I need your help please. The video is to large to upload is there another way to get it to you?
Consumer complaint received 2024-11-30
Product: Credit 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: CITIBANK, N.A. (NJ)

I received a fraud alert on or about the evening XX/XX/XXXX from AT & T Universal, Citibank. I called on the morning on XX/XX/XXXX, and disputed the charges and directed the card bearing last 4 digits ( XXXX ) be cancelled. After the card was purported to be cancelled, credit card company continued to report fraudulent transactions and I continued to contact them and dispute the charges. Nevertheless, when I received my XX/XX/XXXX statement, 4 disputed charged that were processed on XX/XX/XXXX appeared on my statement. Those 4 charges were made 1 day AFTER the card was cancelled. 

AT & T Universal, Citibank, issued me a new card ending in XXXX. I did not activate the card. Nevertheless, AT & T Universal, contacted me about charges being made on the old card ( XXXX ) and the inactive new card ( XXXX ). 

After numerous attempts to resolve matters, I cancelled my AT & T Universal account ; having been a member since XXXX.
Consumer complaint received 2018-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

We registered our coinbase account ( XXXX XXXX with emailid : XXXX ) in XX/XX/2018 and starting crypto trading on coinbase platform. On XX/XX/2018 we received an email from coinbase saying that our account has been rejected and we would need to close our coinbase account. At that time we had XXXX USD in our coinbase account/wallet and I requested coinbase to release my funds and then I will close my account. 

Since then I have raised multiple requests for getting this issue resolved. They have restricted all the trading on my coinbase account. Every time I reach out to there costumer support, they ask me to add my bank account on my coinbase account, but I am not even allowed to add my bank account on the portal to get my money withdrawn. Every week I am back and forth with a costumer representative from coinbase and been assured that this will be looked by a specialist, but nothing has been done yet. 

It has been more than 5 months now and I still have not received my ( XXXX USD ) money from coinbase. 

Hope this will help me getting my moeny back.
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the 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 2022-06-05
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. (NV)

In accordance with the fair credit reporting act 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 with out my written instructions.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the immediate blocking and deletion of an unauthorized inquiry on my credit report. I have been a victim of identity theft, which has resulted in unauthorized activity on my report. Under the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any entries associated with fraud. 
The inquiry in question is as follows : XXXX XXXX XXXX o Inquiry Date : XX/XX/year>
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (TN)

There are three accounts on my XXXX, Equifax, and XXXX report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOE/XXXX - XXXX US DEPT OF EDU - XXXX
Consumer complaint received 2018-07-23
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. (MI)

I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX{$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX  {$1100.00} XX/XX/XXXXXXXX XXXX   {$800.00} XX/XX/XXXX AFNI {$590.00}XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00}XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX{$0.00} balance
Consumer complaint received 2018-07-23
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. (MI)

I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX   {$800.00} XX/XX/XXXX XXXX  {$590.00}XX/XX/XXXX XXXX XXXX XXXX {$530.00}XX/XX/XXXXXXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX{$0.00} balance
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I have been in a XXXX XXXX for over 20 years, since open the account in XXXX, as a grandfather account and all of the sudden while been overseas the bank decide to lower the package where i will be getting charges for withdraw cash or using my debit card overseas. Foreign fees are expensive, I talked to them and all the said is bank regulation. I feel like they are forcing me pay fees because that the only debit card i have. 

Im asking them to change me back to that package for 3 month until i get back and they refuse.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Logging into to Equifax always leads to this message. 

" Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX a.m. and XXXX p.m. ( ET ), Monday to Friday. '' Calling Customer Care team led to no answers, very long wait times and representatives were not able to fix the issue of letting me access myEquifax without seeing that error message.
Consumer complaint received 2022-06-04
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 XXXX Bank XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 2018-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened an account with Citizens Bank online in early XX/XX/2018. My account type was One Deposit Checking account. After a few days of opening the account, I found out that Citizens Bank did not intend to honor a sign-up bonus that I was interested in. So I called them to close the account. But every time I called them, I had to wait at least an hour listening to the hold music and still not getting any live human agent to talk to. After calling in about 4 times, I gave up. I visited their branch at XXXX XXXX XXXX XXXX, XXXX, NY XXXX and talked to a bank agent in person. She said she closed my account. But after returning home, I found out that I could still log in to my online account and neither did I receive any notification that my account was closed. Please close my account ASAP. Otherwise they would find another reason to charge me a fee next month!
Consumer complaint received 2019-10-25
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: SYNCHRONY FINANCIAL (NY)

I was monitoring my account when i found this company name in my history I called this company to claim that I never tried to open an account with them. They informed that they can not give much info because account was not approved. I enter to a credit page to do a dispute I also did a thief report. The results came back saying that this account was accurate. Im in process On going to SS office to report that my SS card has been lost for a while. And talk about this issue This is the day somebody use my info SYNCHRONY BANK Inquiry Date : XX/XX/2019
Consumer complaint received 2022-06-05
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX  Account XXXX xxxxxxxxxx XXXX, XXXX XXXX Account # XXXX XXXX, have 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 2022-01-18
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: EQUIFAX, INC. (KY)

I XXXX XXXX XXXX have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companie. Below Is my FTC Identity Theft Report. I have also mailed all respective CRAs my identity theft affidavit please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX Equifax furnished an inquiry on my consumer report without my consent Listen From XXXX XXXX. On XX/XX/XXXX Equifax furnished another inquiry on my consumer report without my consent from XXXX. On XX/XX/XXXX Equifax furnished another Inquiry on my report From XXXX XXXX XXXX XXXXXXXX XXXX. The furnishing of all inquiries are not allowed by Federal Law the FCRA to be specific for Congress has stated in the FCRA that a consumer reporting agency may furnish a consumer report under the following pretenses and no other and then stated that the furnishing if consumer reports should only be In accordance with the written instructions from the consumer to whom the consumer report related and I XXXX XXXX never gave Equifax to permission nor did I give them oral or written instructions to furnish anything on my consumer report. Equifax is now in violation of the FCRA for violating the permissible purposes section which they never had and are now civilly liable for their inaccuracy and negligent behavior in the furnishing of all said reports. On XX/XX/XXXX I filed an identity theft report and sent it to Equifax on XX/XX/XXXX with a copy of my ID to verify my identity and attached a XXXX XXXX letter letting them know that they have to remove these things from my consumer report I sent all documents certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX By Equifax breaking federal law and furnishing all said inquires on my report this has caused me actual damages in the amount of mental anguish and emotional distress for it is a fact that inquiries are known to affect credit scores in a major way which In result can prevent me from obtaining credit and getting higher interest rates on things that I desire with purchasing things from my consumer credit it is also an invasion of my consumer privacy that congress has stated that I have and am entitled to
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for account : XXXX XXXX But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Past Due Balance : {$630.00} Account Name : XXXX Account Number : XXXX Past Due Balance : {$430.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$99.00} Account Name : FXXXX XXXX  Account Number : XXXX Past Due Balance : {$840.00} Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Past Due Balance : {$450.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2022-01-19
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. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-06-04
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (CA)

I requested a copy of my consumer report from LexisNexis Risk Solutions Group pursuant to the California Consumer Privacy Act and the federal Fair Credit Reporting Act. I received the requested reports from LexisNexis, which were dated XX/XX/2022. I subsequently attempted to exercise my rights under the CCPA by requesting LexisNexis to delete my personal information by filling out a form on their website on XX/XX/2022. In making my delete-my-personal-information request, I provided the very same information that I provided earlier when I requested a copy of my report. In response to my request to delete my personal information, LexisNexis responded in a letter dated XX/XX/2022, that they have been " unable to locate information sufficiently matching your data. '' This is difficult to believe. They had no trouble locating my consumer report when asked for a copy, yet when I requested my personal information to be deleted, they suddenly are unable to locate my consumer report.
Consumer complaint received 2022-06-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NC)

In accordance with the Fair Credit Reporting act Money Lion 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 2022-01-19
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. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (GA)

I have requested an itemized bill from the beginning of service as well as a signed or voice contract between me and XXXX. I have not received my request. The collector, XXXX XXXX, has sent me " XXXX '' invoices instead w/ multiple billing dates and amounts. The dates are in 2014 for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.