davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to inform you that I am a victim of identity theft resulting from a data breach. Fraudulent accounts and inquiries have appeared on my credit report without my authorization.Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : 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 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 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 2023-03-03
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. (VA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-03-03
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-06
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: GLA Collection Company, Inc. (KY)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # : XXXX has violated my rights.

15 USC 1681 section 602a : States, I have rights to privacy.

15 USC 1681b : Also states a consumer reporting agency can not furnish an account without my written instructions.

This collections account is in direct violation of 15 USC 1692g, 15 USC 1692c, 15 USC 1692j, 15 USC 1681a ( 3 ), 15 USC 1681a ( 2 ) ( b ), 2021 IRS Publication 468, 15 USC 1681n, 15 USC 1681o, and 15 USC 1681e. Take this off my report immediately.
Consumer complaint received 2023-03-06
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. (VA)

By law me as a consumer and the person making the report by law does not have the right to report anything including EXPERINCES OR TRANSACTIONS, according to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information soley as to Transactions or Experiences between the consumer and the person making the report. 

The 6 late payements reporting on my report has impacting me from buying a home and obtaining new credit for my family well-being, those marks as late payments are considered transactions or experiences between me the consumer and the person making the report. 

-late payments shown on report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I also was was impacted by covid as well in XXXX, my father passed in XXXX and me and my son contracted it at the end on XXXX.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

On XX/XX/2023, I called and cancelled my XXXX Subscription. On Wednesday XX/XX/2023 I woke up to XXXX notifications from my bank stating that XXXX attempted to take {$9.00} from my account. When I called them they stated that although the account was deactivated that they couldnt stop the subscription fee. I called back a couple of hours later and was told that the subscription was cancelled and received an email with a reference number for confirmation. This morning on XX/XX/2023 I received another notification from my bank stating that XXXX more attempts were made by XXXX for the amount of {$9.00} again. I called XXXX and was told the same thing and received another email from them stating that it was cancelled. I dont understand how a business can tell their customers that their account is deactivated yet still try and take money from them. I cant log into the account or do anything with it, yet they can still attempt to take money for a service that Im no longer using. If customers dont pay attention to their bank accounts XXXX could easily collect {$120.00} a year from the customer unbeknownst to them. This is not right.
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CHECK FOR XXXX XXXX REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT
Consumer complaint received 2023-03-06
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. (MS)

Experian XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Reported a charge off as late payment I have previously disputed account number XXXX with XXXX XXXX. The account has been closed for eight years now XXXX XXXX, XXXX. 
The IRS deems a charge off as taxable income. How is income being reported on my credit? It cant be both credit and debt. This account has been closed and Ive never made a payment to XXXX XXXX XXXX, which is the debt collector. I am requesting proof that I had a late payment in the month of XXXX, the year of XXXX.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
Below are the details of the disputed account : 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 2023-01-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WCS LENDING, LLC (NY)

WCS Lending, a mortgage broker in XXXX and Florida, led by broker XXXX XXXX filed fraudulent loan applications on loans submitted to various banks in order to collect a commission for the company. He also obtained what is known as a yield-spread premium from various banks in order to enrich himself and WCS Lending which knew of his operation.

He had been instructed by borrowers to only obtain no-income, no asset loans which were being offered by banks but which still required that the information on these " stated-stated '' loans be accurate -- which was never brought to the attention of the borrowers because all of the application information was fraudulent. Again, with the knowledge of WCS Lending. 
XXXX XXXX filled out mortgage applications with fictitious information in order to obtain numerous loans which was completely fraudulent. 
When the XXXX County District Attorney 's office contacted him, he blamed the borrowers and denied any wrongdoing. 
Subsequently, the D.A. was prosecuted and imprisoned. Nothing happened to XXXX and WCS Lending is still in business. It is a fraudulent operation which has relocated XXXX XXXX to Florida where he still works for the company. 
Borrowers went to prison for the D.A, 's Vindictive prosecution and WCS has never paid a price for their duplicity, fraud, or illegality.
Consumer complaint received 2023-02-28
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. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 2023-02-28
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: Experian Information Solutions Inc. (TX)

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, 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes antedates the report by more than seven years. 

15 U.S.C. 1681 s-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 2023-03-01
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. (GA)

After filing complaint # XXXX, CitiCard provided ~ {$700.00} in relief when they owe me much more. I am still receiving letters from CitiCard stating that they have reversed the previous credits and do not have a way for me to escalate my claims. They just keep starting new investigations. On my call today, I discovered that there are more than XXXX {$99.00} charges ( ~ {$29000.00} total ) from XXXX on my account. These charges are all fraudulent but CitiCard wants me to be responsible for them. 

The other merchant involved in this claim are : XXXX XXXX, XXXX and XXXX XXXX. 

I have also asked CitiCard repeatedly for an account of all of the fraudulent charges so that I know what I actually owe them. This information has yet to be provided to me. Im sure this as difficult exercise because CitiCard let this fraud go in for so long. My refund must include all of the interest I have paid to the company as well. 

Today I requested to discuss these atrocities with a supervisor by have yet I be contacted. 

Even though I have locked my account, fraudulent transactions are still being added. 

Ultimately, CitiCard is investigating and interrogating me and not the actual perpetrators I this crime. This and all the facts stated above are completely irresponsible.
Consumer complaint received 2023-03-01
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. (MS)

I would like to file a complaint against XXXX credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. Not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XXXX of 2022 my truck was repoed, with no knowledge to me that it was going to happen. I got in contact with the loan people, they told me I had 15 days to pay the payments that were owed and get the truck back or they would send the truck to auction. I paid the account to current on XX/XX/XXXX with the auto loan company and because that was a Friday I could not get my truck until the following Monday the XXXX. I thought everything was good, it wasnt. I tried to make the payment the following month, I couldnt make it online, so I tried calling them and got the run around. No one could tell me how to make a payment because they couldnt find my loan on file. I got this run around up until XXXX when finally someone told me that my account had been wrote off and I had all of this money to pay or my truck was getting taken again. Meanwhile no one is taking responsibility for the run around and me not being able to make a payment for months on my truck because of them not knowing. I just need help with all of this.
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A. (TX)

None of the choices apply to my problem. XXXX XXXX, an investment firm, bought a {$40000.00} cd from Citibank on XX/XX/ for my IRA ( matures XXXX ). Interest is supposed to be payable quarterly. We filed a complaint with XXXX on the investment firm and settled with the investment firm ( then XXXX ). 

However, we still have the investment and can not afford to cash it in because we would lose half the money. I'm sure I won't be around in XXXX since I am XXXX XXXX XXXX. I never should have been sold that investment, thus the complaint with XXXX. 

I called XXXX and they said I should call the Federal Reserve Consumer help line. They said I should call your agency. I tried everything I could think of to call Citibank, to no avail. 

This type of investment should be illegal. As I said it was purchased in XXXX That year it paid {$3000.00} in interest, {$2100.00} in XXXX, {$500.00} in XXXX, {$230.00} in XXXX. {$0.00} in XXXX, {$0.00} in XXXX, {$0.00} in XXXX. {$980.00} in XXXX and {$0.00} in XXXX. I feel totally taken advantage of by Citibank! They are using my money for practically free and that is NOT RIGHT. I am retired and am on a limited income. I don't know where to turn.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MI)

XX/XX/23 Called number on the back of the card ( XXXX ) to verify my balance. The {$100.00} was confirmed as my balance. It was suggested at this point that you should register the card to access balances and transaction, etc., so I decided to do so. 
XX/XX/23 - proceeded to go to the website www.giftcardmall.com/mygift as directed by customer service to register my {$100.00} XXXX XXXX card by entering the card number, valid thru date and XXXX digit code as requested. I noticed that the website was extremely slow processing the information so I called the XXXX to check my balance again. At this time the balance was communicated to me as XXXX cent?? 
XX/XX/23 - checked my balance again at it is still the same, XXXX cent again?? 

XX/XX/23 - emailed XXXX ; opened Case # XXXX Here is the response. 

Hello XXXX, Thank you for contacting Gift Card Mall Support. 

We are sorry to know you are having difficulties redeeming your XXXX XXXX XXXX. We will be happy to assist you. 

While our Gift Card Support team is unable to assist you with matters of this nature, as we are the order processors for gift cards purchased on our website, Visa Customer Support is available to take care of any questions or issues you may have. Please contact XXXX XXXX XXXX for assistance at XXXX. 

Your feedback is important to us, you might receive an email survey to rate your experience in this contact Cordially, XXXX XXXX. 
Customer Support Thank you for the opportunity to assist you! 
Hello XXXX, Thank you for contacting Gift Card Mall Support. 

We are sorry to know you are having difficulties redeeming your XXXX XXXX XXXX. We will be happy to assist you. 

While our Gift Card Support team is unable to assist you with matters of this nature, as we are the order processors for gift cards purchased on our website, Visa Customer Support is available to take care of any questions or issues you may have. Please contact XXXX XXXX XXXX for assistance at XXXX. 

Your feedback is important to us, you might receive an email survey to rate your experience in this contact Cordially, XXXX XXXX. 
Customer Support Thank you for the opportunity to assist you! 

XX/XX/23 - Replied to this email and asked if they would reopen this case as I followed all the instructions as provided by the customer service & balance inquiries. 
XX/XX/23 - hecked my balance again at it is still the same, XXXX cent again?? 

In closing, I have made no purchases using this card and would simply like to know what happened to {$99.00} on this card. 

Thank you for any assistance you can provide.