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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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.

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-28
Product: Credit card — Store credit 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. (NY)

I was called by the bank issuer ( CITI BANK ) of best buys store credit card stating that I owed a balance of {$600.00} for a XXXX XXXX XXXX purchased in XX/XX/2023. However, I never bought said item and I asked the representative for a receipt confirming my signature to show that I authorized that transaction, however they did not give me a duplicate receipt until months later in the mail showing only the transaction and the store location but not my signature. I personally shop at the Best Buy located on XXXX XXXX XXXX, XXXX for my Best Buy products so I have no need to travel to the Best Buy location in XXXX, XXXX. I have been a loyal Best Buy credit card member for 20+ years and have paid my debts for much larger valued items than what is shown here. I did not authorize the transaction and they cant even show my own signature authorizing the purchase with 12 month financing which I had to do for previous Best Buy orders that I financed instore. I find it ludicrous that the card issuer ( CITI BANK ) can conclude their investigation and state I am held responsible for a charge I did not make when I have a history of paying my debts with Best Buy for over 20 years.
Consumer complaint received 2023-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ADP Inc. (NJ)

I have had a bank account with Wisely for over 3 years before this. I had lost my card and have locked the account but had to unlock for a certain time because I had to make a transaction. While it was unlocked, I saw XXXX unauthorized DDS transactions made by XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/29 for an amount of {$1300.00} and {$1300.00}. I called Wisely phone number and filed a dispute against this charge and they blocked my banking and online account hoping that this would stop them from taking more money from the account. 
However, days later on XXXX the XXXX companies were able to make the same transactions again but a higher amount. I called and asked why they were able to take this money and they said that they can not do anything about this even though the account was locked and I flagged these XXXX vendors earlier. I usually get notifications too on transactions over {$200.00} and I never got a notification on this. So I proceeded to dispute this again and asked them to overnight XXXX my new replacement card. 
On XXXX, XXXX XXXX was able to take out money again and I was getting XXXX because there was nothing that Wisely was doing to stop these transaction from going through. I called and asked them to send my money to a different bank account but they said that they can not even do it and that I would have to go to a bank to transfer that money. I filed a 3rd claim and then later on got a new card and unlocked that card. 
I thought that since I got a new card and, in turn, a new account, that they would not be able to transact more money but XXXX XXXXXXXX XXXX took out {$1500.00} on XXXX. At that point, I had emptied by bank account and transferred all money to my parents. But in total, I lost more than {$8000.00} and have disputed all these transaction and Wisely has done nothing about it. I don't know this exact number because Wisely has blocked my online account again and I can see the transaction made. They said that these disputes take up to 90 days so I am not sure what I can do now.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (GA)

On XX/XX/2023 I mobile deposited a pension check with Citibank. My account is fairly new about a month or 2 old and this was the first large deposit that I had made. On XX/XX/XXXX I attempted to access my mobile banking through their app to check the status of my deposit, but for some reason I was unable to log in. I then called your customer service department who informed me that my account had been blocked due to suspected check fraud. After providing the details to the person on the phone in the fraud prevention department they then called the payor of the check and verified that the check was indeed a legitimate check. I was then told it would take two to three business days to get my account unblocked. Which is far too long for this day and age. 
Then I received a notification on XX/XX/XXXX that the funds were available in my account therefore the check has cleared and been cashed yet I'm still unable to access my account. 
I called back to the fraud prevention unit and customer service to figure out why I am still unable to access my account I am then told that my account is being closed but nobody can tell me why exactly they're closing the account they cashed the check so they can't be closing the account because of check fraud. So I have been on the phone on XX/XX/XXXX now on and off for about 5 hours speaking to and getting the runaround from multiple individuals, no one can get me through to someone who can answer my questions and somebody that can unblock my account. 
Mind you initially this check is literally from a payor listed in the Citibank direct deposit list and my account is currently in the process of being set up for direct deposit from this payer and yet still they flagged the check. 
They verified the details but are still closing my account with no explanation so now I am stuck in a situation where the check has been cashed so I can not put a stop on the check. I can't have the check reissued because it's been cashed already " days ago '' according to the woman at XXXX XXXX which is the bank that issued the check.They 're literally holding my money hostage.
Consumer complaint received 2023-07-07
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. (FL)

I am writing to file a formal complaint regarding the lack of response from XXXX, Equifax, and XXXX, the XXXX major credit reporting agencies, to my disputes. As per my records, I sent a second letter to all three companies on XX/XX/2023, but it has been well over 30 days, and I have not received any response from any of them. 

This failure to acknowledge my disputes within the specified timeframe is a clear violation of my rights under 15 USC 1681 ( a ) ( 1 ) ( A ), which states that XXXX, Equifax, and XXXX are obligated to respond to consumer disputes within 30 days. It is deeply concerning that none of these companies have taken the necessary steps to address my concerns and provide a timely resolution. 

To provide further evidence, I have included the tracking numbers from my certified mail for each respective company : - Experian : XXXX - XXXX XXXX XXXX : XXXX - Equifax Information Services LLC : XXXX I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX, Equifax, and XXXX for their failure to comply with federal regulations. I trust that your agency will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

I appreciate your attention to this complaint and look forward to a prompt resolution.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I got a copy of my credit profile there were items on it, that I didn't recognized including addresses, phone number, incorrect birthdays etc... Which I was able to get deleted. I did a FTC report and sent it to the creditor 's, and to Equifax Credit Bureau. Equifax did remove the items, and then 4 days later it was back on my credit profile. I called Equifax and then I was told that it was put back on my credit profile because the creditor verified it was mine. I told Equifax once again I'm a victim of identity theft. I told them again I never had these account. I was told I needed to dispute these items to have them removed. I sent in a debt validation letter to Equifax disputing these items. I waited 45 days, and it came back verified. I sent out a second response validation letter. It came back verified, and then I asked Equifax how is the creditor verifying debt that is not mine? Equifax stated the creditor is saying that it was mine. This went on for an entire year with the creditor sending me correspondence 's stating here is the information that I requested which ended up being a monthly statement nothing more. for an entire year without anything other then a bill for every item. I send in information stating this is not validating the debt. For them to please send me the original contract with my signature on it. I have never received this to date XX/XX/2023 XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
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. (AZ)

I hope this message finds you well. I am reaching out regarding an issue with my XXXX XXXX account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing. 

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met. 

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX
Consumer complaint received 2023-07-07
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. (IL)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted 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. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX Account Number : Account XXXX Balance : {$240.00} Fraudulent Collection Accounts : XXXX XXXX, XXXX Account XXXX : Collection XXXX Balance : {$4300.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : Collection XXXX Balance : {$310.00} Unauthorized Inquiries : Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX  XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : 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 Inquiries 15 U.S code 1681n Infamis of pulls
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account without warning or advance notice back in XXXX XXXX XXXX. The account had {$2000.00} withdrawn and I have not seen it since. They mailed out a check in XXXX without informing me which address they were mailing to, this check was subsequently lost and not received. I went into the bank, we filed a lost check request with an update request. Three weeks later, I find out that despite me filing the form and signing it inside the Chase branch itself, Chase has 'not processed ' this form and basically 'forgotten ' to send out my lost check. So we are now bank to square one and we file ANOTHER lost check request with my address ( it is XXXX now ). Fast forward another 14 business days, no check received at my address, no explanation from Chase why. In beginning of XXXX I had to file my THIRD lost check request and notarized it, still have not seen any money from Chase. It has been almost FIVE MONTHS that Chase has not been able to do something as simple as mail me the {$2000.00} they owe me. In this time, I have received mail from other banks. For example, with XXXX by XXXX XXXX, I updated my address, less than a week later they're able to get mail me at my current address ( I have received multiple letters from them ). The fact that Chase can't do the same when they literally owe me thousands of dollars is patently ridiculous, never mind the fact that the reason this account was closed without my consent in the first place was due to continuous misinformation my customer support representatives. I have been inside the branch probably 20+ times about this over the last 5 months, and still no resolution. WORST experience with a bank, ever.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC. (WY)

Promotional transfer offered is not as they state On XX/XX/XXXX I took advantage of OLLO Credit card promotional transfer and used the app to request {$500.00} to be sent to XXXX XXXX XXXX and then Ollo Credit card took the {$500.00} out of my card and charged me {$15.00} and to this day the transfer has never been sent. I called to check what was going on and the agent said it was on hold. I said then cancel it and place it back on my credit card on XX/XX/XXXX. nothing has happened so I called on XX/XX/XXXX and was told it would be 4 days and the {$500.00} plus the {$15.00} would be back on my card. nothing I have called Ollo customer service over 10 times to receive confirmation that I would get my money back on my account, but since they never sent it, I have closed my account. I will make my payments on what I owe but need the {$510.00} placed on the card. 

I have reported OLLO to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ollo Card closed by holder due to scam fraud of OLLO
Consumer complaint received 2023-07-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S Code 1681c-2/ and section 605b of the fair credit reporting act 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these ITEMS IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S code 1681b-permissible purposes of consumer reports ( a ) in GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.as a consumer I am demanding the deletion of the accounts listed immediately
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2023, I placed an online order from XXXX to purchase a XXXX XXXX XXXX in the amount of {$260.00}. I used a credit line or " Pay in 4 '' payment plan offered by Paypal to pay for the watch. The installment plan called for 4 payments of {$66.00} each paid approximately every 2 weeks. 

On XX/XX/2023, I received an empty box delivered via XXXX. There was no watch inside. It was obvious the box had been tampered with. I immediately contacted the XXXX XXXX XXXX XXXX XXXX Department and within XXXX minutes a deputy was dispatched to my house. XXXX XXXX confirmed the box was empty and had been tampered with. I was assigned XXXX # XXXX. 

I then filed complaints with both XXXX and PayPal. XXXX promised me a replacement watch that I could pick up on XX/XX/2023, at the local XXXX store closest to me. On XX/XX/2023, I received an email from XXXX the watch was unavailable for pick up and they were doing their best to locate a watch for me but if unable, they would cancel the order on XX/XX/2023. Because of this, I completely cancelled the order and requested a full refund. 

Since that time, I have been verbally promised on multiple occasions by both XXXX and PayPal to received a full refund with the most recent on XX/XX/2023. However, that is not the case as PayPal continues to debit my checking account with the most recent charge on XX/XX/2023.
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)

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 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 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 XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX XXXX Account 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.