davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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)

I have disputed this collection account, and they agreed to cease collection efforts and report to the three collection agencies. However, this collection is still on my credit report, and it needs to be removed. The account is XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct No. XXXX 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 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 2023-10-27
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXXXX/XX/XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-27
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

I was hanging out with my girlfriend and I check my account and there where 2 checks XXXX and XXXX and I had no clue what they where. The XXXX one got approved by the bank and the money was put into my account However the XXXX one didn't cause I called in and reported them. Then they did there thing and said it came up false and then the other one said I was fine and there was no charges to me and they resolved it. Then I had an old friend phone number after say they hacked my bank and the name was XXXX. I was super confused cause it was specific. I went to the branch and they said the same thing it was my fault or something cause of the 2 {$1000.00} XXXX payments and that happened when THEY allowed a XXXX check that was fake go into my account. It was no longer pending and was a really check according to whoever looked at it. Then I seen it and it wasn't even my signature. So they let a check that wasn't my signature in and they still said they couldn't do anything and I had to pay for it all. This was weird because someone hacked into my account and put fraudulent checks that I called in about and sent money off after 1 check got approved. Then I called in and reported all this and then they did nothing about there mess up.
Consumer complaint received 2023-06-17
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)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$35000.00}, XXXX XXXX XXXX XXXX Balance : {$14000.00}XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1400.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-19
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. (OH)

Citibank fraudulently closed case # XXXX by claiming a third party was involved. They new I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true
Consumer complaint received 2023-06-17
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. (FL)

This complaint is filed against both XXXX and Equifax for reporting a account on my credit report that has wrong/ incorrect information that is affecting consumers credit score, violates due process of federal law and violates the Fair Credit Reporting Act. Said account was disputed with both XXXX and Equifax and verified as correct/ accurate. Said account is called kickoff lending under account number XXXX. A investigation of both reports side by side will show errors and discrepancies which will show both credit reporting agencies verified completely different info. from same account which is impossible. A copy of the consumers XXXX XXXX 3 bureau report is included in this complaint to show all errors and discrepancies since reports are side by side.Both XXXX and Equifax can't verify info for the same account and both reports be so different in nature.I am requesting that this complaint be sent to both XXXX and Equifax and that each compare both reports and investigate all errors. Said errors are : 1. High balance on XXXX shows 0 and Equifax shows 15. Both differ. XXXX. Date of last activity with XXXX shows XXXX and Equifax shows XXXX. Both differ. XXXX. Date of last payment with XXXX shows XXXX and Equifax shows XXXX. Both differ. XXXX Credit limit with XXXX  shows XXXX and Equifax XXXX XXXX. Both differ. 5. XXXX shows 3 90 days late and Equifax shows XXXX 90 days late. Both differ. 6. XXXX report states last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was in XXXX. Both differ on same report. 7. Equifax report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar, it shows in XXXX that the account was 30 days late. Both differ on same report and both can't be correct. XXXX. XXXX report shows on 2 year payment history calendar that in XXXX Of 2022 account was 150 days late and Equifax report shows under 2 year payment history calendar that account was 120 days late. Both differ and can't be correct. 9. Date last verified is missing on both reports. 3 bureau XXXX XXXX report with side by side reports will substantiate all errors and discrepancies. Both bureau reports greatly differ but both verified as correct is impossible.
Consumer complaint received 2023-06-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-19
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. (GA)

Letters were sent to XXXX, XXXX, and Equifax on XX/XX/2023. I attempted to reach out and have my issues resolved but XXXX was the only one to respond within 30 Days. There are multiple inaccuracies and differences on my account and only one was removed. The remaining accounts and inquiries will be listed below. 

In accordance with the Fair Credit Reporting act XXXX  Invalid Accounts and Account # 's have violated my rights : XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not been asked or been contacted.

Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies says that a furnisher must not furnish inaccurate consumer information. A person who commits this contravention of this section shall be liable to a fine up to level 7 ( {$10000.00} ).
Consumer complaint received 2023-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-16
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 disputed an item on my credit report between May 4-8, 2023. Attached to that dispute was a copy of an identity theft report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax should have already removed this item due to the identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) states the following ( a ) Block. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't XXXX XXXX with this problem, It's hard for me to accept it.
Consumer complaint received 2023-05-16
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. (NV)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-16
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. (TX)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo California Forgery Fraud Identity Theft Money Laundering Mortgage Fraud My mother left me an inheritance with Wells Fargo when I tried to inquire about the inheritance they had me arrested they have used my personal information for personal gains and lefte wide open for malicious attacks. 
I have already filled a civil suit Out of the XX/XX/XXXXXXXXXX/XX/XXXXTX XXXX XX/XX/XXXX Civil Action Number XXXX
Consumer complaint received 2023-05-16
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: Incomm Holdings Inc. (TX)

I purchased a vanilla visa gift card from XXXX to be presented to my mother in law on XXXX XXXX on the XXXX of XXXX. To my amazement, she tried to use the card on the XXXX the second day of purchase but the card has already been used to make a payment to XXXX XXXX. I went to XXXX to complain but they denied they were not liable to that. I called vanilla several times to no avail.
Consumer complaint received 2023-05-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NC)

This PNC account at was my father 's, who passed away on XX/XX/XXXX. I went to the XXXX XXXX NC branch prior to his death and presented my POA papers to scan/fax to the appropriate department. After his death, I went to the XXXX, NC branch and took his death certificate and paperwork from the attorney and asked what additional paperwork I needed to be listed on the account. They said there was no record of any POA paperwork on the account or my name anywhere on his account. I told them we would be selling the property to pay off the account. They took my paperwork and faxed it to some department ( not sure where? ), and told me to check back in a week. I went back the next week and they said there was no record of my paperwork and they would need to fax it all again. They assured me I had everything I needed and it would get to the right department and to call back in a few weeks. I called back a week before closing and there was still no record of any paperwork or my name on this account. By XX/XX/XXXX, the closing attorney said we could not close because I was not listed as successor on the account. On XX/XX/XXXX I went to the XXXX, NC XXXX branch and again had them fax all of my paperwork in. They sent me over to speak with XXXX XXXX at the XXXX XXXX. XXXX called XXXX XXXX at the XXXX office who was extremely rude and told me that I had not turned in my " successor packet '' and there was no way we would be closing on Monday. This was the first time anyone at PNC informed me of the packet. XXXX was kind enough to print off the packet information and FAX it again to the probate department. XXXX would not let him email it. I went home and contacted the probate department again and XXXX XXXX asked me to email it to her. She asked for my previous marriage licenses. Which took me until Monday XX/XX/XXXX to get. This pushed closing back to the XXXX. I was told I needed a letter from PNC stating the account was frozen so I contacted them on the XXXX asking for that. Probate again told me they had to send a request off to another department but would escalate it. I specifically asked them to email it, however I found out this morning they mailed it instead. This will push closing back again.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid 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. (PA)

I received a bill at the end of XXXX on my CITI card for a purchase I did not make. First on XX/XX/XXXX for {$13.00} for XXXX XXXX XXXX XXXX XXXX XXXX. I called CITI reported it and they shut that card down. they said they would look in to it. Then I receive another bill with XXXX more fraudulent charges. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$11.00}, XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX {$28.00}. I called about those as well. I just received a letter from CITI stating that they were unable to resolve the dispute in my favor due to the information I provided and that I should contact the merchant. I have no idea what these purchases even are. They appear to be in foreign language. Lastly this card was only used for a balance transfer offer. It was paid in full XX/XX/XXXX. This card was never used to make any purchases.