davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

I applied to open an account for the Citibank located on XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I explained to teller that I froze my information due to identity theft issues and that I did not want to apply for an account without first making sure I was able to do so. I received a confirmation that my account was opened on XX/XX/2021. I contacted the personal banker XXXX XXXX twice every 48hrs and he explained twice that the application was still in review, even though I have received two email notifications about account XXXX being active in my business name. I decided to go to Citibank, N.A XXXX XXXX in-person, and they explained to me that the whole time this account was closed. According to the Fair Credit Bureau Act a creditor must notify the applicant of adverse action within 30 days after receiving a complete credit application. I still have not received any information about this account. They have now stated that they have no information whatsoever about my business account
Consumer complaint received 2021-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

For over six months I have been challenging the same account and have not received a proper response from Equifax in regards to XXXX  account # XXXX Equifax has violated several laws in the FCRA one being the Re-insertion law Equifax has taken off and put this account back and forth on my account 3 times without and notice five days prior at all The Account is also reporting extremely inaccurately showing 120 days late 3 times in a row which is impossible not only is this account not fair and accurate the reinsertion law has been violated I have not gotten any response on this account being stuck unfairly to my credit report This is my third CFPB report for this matter and nothing has been resolved Equifax last response was to send in my information for this matter to be looked over I sent my information over 90 days ago and NO Response Equifax is holding this account i my credit file illegally in many ways
Consumer complaint received 2021-08-02
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: Exeter Finance, LLC. (GA)

As a federal protected consumer these fraudulent accounts arouse from my credit card. This information is incorrect. Persuant 15 usc 1602 ( 1 ) a any card plates coupon book or other credit devices existing for the purpose of obtaining money property labor or services or credit. These accounts are fraudulent as it should be no debt that arouse from my credit account and persuant to 15 usc 1681 a ( 2 ) no factual should be included in my consumer report. As I did not authorize nor give consent. The theft report is attached please look at the dates as they are on the report.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ok. The bank of America called me and also receive fraud alerts to my phone number, after the message I got a call from the bank of America Wich I check the number, and it was them and they explain someone try to do a XXXX activity from my account so I let them know I didn't they told me make a transaction to your own self to protect your.money I tell them no ... They said mam will be to your own XXXX account and how you register in your bank I didn't provide any Info, I send it to myself XXXX XXXX XXXX, last name and own phone number and no even XXXX and the bank know where is my money now, no one has protection and really hard to talk to XXXX they been trwu the ball to each other XXXX please help!!!
Consumer complaint received 2019-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

I had a cash app account for several months now, and for an unknown reason theyve closed my account and the only response Ive gotten from them is an email stating i violated their terms of service. I didnt, i had to update my card and bank account on file and thats it. I submitted new photos of the documents as requested and then next day my account is closed and I have no idea why or how.
Consumer complaint received 2021-08-03
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. (GA)

There's a XXXX XXXX account on my credit file in which it does not belong to me. I recently found out my old roommate had 3 cell phones in my name. I contacted XXXX and each credit bureau still nothing done about it. XXXX is aware. XXXX, Equifax and XXXX  should bot allow someone to report an account without a full investigation. I would like for this account to be removed from my credit file immediately.. I've requested copies of the signed agreement from both XXXX XXXX and each credit bureau and no one has provided me with that info but has this account on my credit file. This is not legal or right on all levels. I will contact an attorney on XXXX and the credit bureaus if its not removed
Consumer complaint received 2021-08-03
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)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 
I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 
It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (TX)

When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts. 
I have listed the debts below in which the re-aging occurred. 

XXXX XXXX - {$860.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX Enhanced Recovery - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX. 

XXXX XXXX - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

XXXX  XXXX {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.
Consumer complaint received 2021-08-03
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: CITIZENS FINANCIAL GROUP, INC. (NY)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CITIZENSONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX & TransUnion Credit Reporting keep reducing my credit scores without any adverse issues or credit activity. Not more than a few months ago all three agencies had maintained my credit score in excess of XXXX. Most recently XXXX  has reduced my credit score to XXXX ; TransUnion reduced the score to XXXX while XXXX has reduced my score to XXXX from XXXX less than 30 days ago. 

It appears, that unless I take out more credit or buy into their online services they ding my credit score.Other wise I have one of the cleanest credit histories you would find. 

I have contacted XXXX  and they sluff me off without any explanations. 

Can you please look into this matter at your earliest convenience. 

XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (FL)

Well I was trying to log into my accounts and current bank does sound kind of closed on me or they suspended my account so I didnt know the reason why so I had use their support line online and talk to them through there and asked them why my account was suspended they didnt give me a reason why my account was suspended. Its been quite some times like a month and a half.
Consumer complaint received 2021-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 60 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2021-08-02
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. (NC)

equifax has wrongly put late paymnet on my account. i have conteacted equifax in XX/XX/2021 but no issue resolved. I have contacted company XXXX XXXX for this and they said its equifax who has reported wrong. 

I am attaching letter from new rez company. I am strugling to get loan since becuase of wrong details on my account. 

can you please fix remove it from my account.
Consumer complaint received 2021-08-03
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. (MD)

This is the second time reporting Equifax Credit Bureau due to the credit report pulled on XX/XX/2021. I reviewed my credit report and realized they are reporting a balance on a account that has been settled already. Equifax is reporting a balance of {$710.00} for account XXXX. Please not that the original creditor is XXXX XXXX XXXX. This credit union consigned the debt to this unlawful debt collection agency XXXX XXXX XXXX XXXX. I requested this information to be corrected in XX/XX/2021. I then reported Equifax to CFPB, even though they stated to you that the information was reviewed I disagree. I have already provided documentation of proof of payments, bank statement, and letter from the debt agency stating debts have been paid and settled. I am unable to pass my background investigation for my potential job because of this error. 

The only resolve I want is to have the account completely and forever removed from my credit report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

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 2021-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (TX)

This is a Affidavit of fact is Pursuant to 15 USC 1692 ( g ) on XXXX XXXX a Debt validation letter of request was sent to Acima Credit FKA XXXX as of today XX/XX/21 Acima has not responed after speaking to me it has been over 30 days and Acima has not ceased and their action to collect on a debt not owed. As i have requested validation and Acima has still not provided.
Consumer complaint received 2019-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (MD)

Square Inc owns a company called " Cashapp '' i have been using for a few years now. i recently received payments for a vacation my friends and i are taking. in total i received XXXX, on XX/XX/XXXX and XX/XX/XXXX i elected to cash out my funds to my bank account. the money moved to pending and said id have it available by friday. friday came and the funds were still not added yet. by saturday they had moved the day i should have access to tuesday XX/XX/2019. when i checked this morning it said that they closed my account and the reason for closing wasnt very specific and then when i looked at the section i was told to refer to none of it matched why my account should be closed. none the less the funds were still stuck in pending status. on the app it told me to use a different debit card since the one on file was being blocked for some reason. i tried using 2 other cards and both were still blocked. i contacted customer service ( they dont allow you to talk over the phone with anyone ) so i sent an email, every email i sent i got the same automated response. regardless of them closing my account ( which makes no sense ) i should still be able to be returned my funds and so far i havent seen anyway. i looked online and over 1000 people were dealing with the same issue. Cashapp is scamming people and they need to be stopped. please help.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX and XXXX are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX city tax liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and two tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also XXXX keeps reporting closed accounts negatively, and keeping negative items on my credit report more than 7 yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after 10 yrs of credit reporting
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX & XXXX Credit Reporting keep reducing my credit scores without any adverse issues or credit activity. Not more than a few months ago all three agencies had maintained my credit score in excess of XXXX. Most recently XXXX has reduced my credit score to XXXX ; XXXX reduced the score to XXXX while Experian has reduced my score to XXXX from XXXX less than 30 days ago. 

It appears, that unless I take out more credit or buy into their online services they ding my credit score.Other wise I have one of the cleanest credit histories you would find. 

I have contacted Experian and they sluff me off without any explanations. 

Can you please look into this matter at your earliest convenience. 

XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

The company Coinbase advertises {$5.00} worth of bitcoin for signing up. However for me and many other users this money never arrived. Bellow I provide a link to a XXXX post and associated comments from many users of Coinbase for whom this offered reward for signing up never materialized. Many have complained to the company with no satisfactory response. A common reply by the company to this common complaint is to claim that 'the bitcoin is yet to arrive because a users account has not been yet 'completely verified ''. As Coinbase provides Email receipts upon account verification, every user who has not received their promised bitcoin should have evidence to disprove this excuse on the part of the company. {$5.00} may seem a trivial amount, but given the number of users of Coinbase, the sum of withheld crypto is likely large. 

Above Referenced XXXX Thread : https : XXXX XXXX  in this and other relevant threads can likely be contacted through the site/app 's direct messaging feature. 

Have a nice day.
Consumer complaint received 2021-08-02
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. (TX)

On XX/XX/2021 More than 30 days ago, I sent the attached letter disputing several items in my credit report. Because they did not advise me of the results of my investigation within 30 days, the Fair Credit Reporting Act requires that they delete these items from my credit report.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Receivable Management Services LLC (TX)

I received a call from XXXX at XXXXXXXX XXXX from someone who said he was from Receivable Management Services. I hung up on him. I XXXX the number and read they are an agency trying to collect on old debt. All my debt was recently dischargeded in bankruptcy and they should not be calling me. I have not received any debt validation from this company as required by law. I believe they trying to collect a debt they can not legally collect or this could be a scam. I don't know. I have not received a debt validation letter from them.