davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. 

Since the breach, I have experienced unauthorized access to my accounts and have incurred financial losses as a result. Despite taking preventive measures, including placing fraud alerts and credit freezes, I continue to face challenges in securing my identity. 

I urge Equifax to take responsibility for this breach and provide adequate support to affected individuals like myself. This includes enhanced identity theft protection services, timely notifications of any suspicious activity, and assistance in resolving any related issues. 

I hope to receive a prompt response addressing my complaint and outlining the steps Equifax will take to rectify this situation for its victims.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT Subject : Notice of Dispute of Debt and Demand for Verified Documentation Fair Debt Collection Practice Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) To Whom it May Concern, I am wiring regarding the unpaid debts on the derogatory accounts listed above, which I dispute and attempt to correct your records. By sending this letter I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I received from you will be collected as evidence should any further action be necessary. Please also be advised that non- compliance with my demands, could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me under penalty of perjury with the following verified documentary evidence of alleged debt : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt, 1 Valid copies of the debt agreement stating the amount of the debt and interest charges ; 2 Proof that the Statute of Limitations has not expired ; 3 Complete payment history on this account along with an accounting of all additional charges being assessed ; 4 Proof that you are licensed to collect in my state ; and 5 7.Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-03
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: Experian Information Solutions Inc. (VA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (SC)

Within the past year, I have previously requested the issuance of Form 1099-C from the creditors as this form would confirm the cancellation of the debt. Despite my requests, I have not received the Form 1099-C for these accounts.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

( ACCOUNTS ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received two checks for my tax return refunds. One was a check for XXXX and another for XXXX. The reason they both sent these two checks in XX/XX/XXXX was because these two tax years were amended in XX/XX/XXXX. I deposited the check for XXXX in my Fifth Third bank account via mobile banking on XX/XX/XXXX. I then went to deposit my XXXX refund check in person at the Fifth Third branch at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. That same day they completely locked my savings and checking accounts and card. I went in person to resolve this and they told me to show them my original and amended tax returns so they can verify. Since then there has been zero updates or change in the situation. I have no funds at all right now because that was also a bank account that I have my paychecks direct deposited to so I am completely stuck and they dont care.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc. (SC)

XX/XX/XXXX - XXXX Skrill account, complete verification. Attempt to deposit via credit card of which I am the sole account holder, which is denied. Attempt to deposit via TD checking account of which I am the sole account holder, which is denied. Decide to initiate a bank link with XXXX which is stated to take 24-48hr to verify through me entering the amounts of two test deposits. 

XX/XX/XXXX - Receive email from Skrill stating my account is permanently closed. No reasoning is provided. I submit a support ticket requesting the reason for why my account was locked and seek to unlock it. 

XX/XX/XXXX- Skrill responds : [ Start ] " Regrettably, during a recent audit of your Skrill account, we found reasonable grounds to discontinue our business relationship. Therefore, your account has been closed. Please note that this decision is final. 

For more information, please refer to articles XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of the Terms and Conditions you accepted when you registered. '' [ End ] Some of the articles cited ( i.e. XXXX, XXXX ) don't even exist in the current ( as of XX/XX/XXXX ) ToS ( version dated XX/XX/XXXX ). Of those articles cited which do actually exist in the ToS, they are irrelevant to my case ( i.e. opening, verifying and funding my account ). No violation of the Skrill ToS occurred in any capacity, let alone according to the cited articles. 

XX/XX/XXXX - I reach out to Skrill from a different email address [ XXXX ] to ask about re-opening the account. They point out that the email I am using is not linked to any account and the correspondence closes. 

XX/XX/XXXX - I open a Skrill account using [ XXXX ]. During verification my account is flagged as a duplicate and closed automatically. I send them an email asking to have my account unlocked from [ XXXX ]. 

XX/XX/XXXX - I reach out to Skrill from the email address associated with the account, and make it clear that I am confident that I have not violated their terms, that my account was locked in error, and that I am willing to complete further verification as necessary. 

XX/XX/XXXX - Skrill responds stating : [ XXXX ] " After checking with our records we regret to inform you that your account can not be reactivated. Your previous account has been permanently closed by our team and therefore you would not be able to use our services. '' [ End ] No further reasoning for maintaining account closure is provided. I need the account to receive owed money as a counterparty ( for reasons beyond me ) only offers payment in Skrill. Otherwise, I would do without it.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Last week, my daughter who owes me money, wrote me a check for {$2000.00}. I deposited the check via the mobile app a few days later. My daughter told me that Citi called her to verify the check information. She also said that she called them numerous time since Monday XX/XX/XXXXXXXX  and spoke to them numerous times between XXXX and confirmed that she wrote me a check. She also told me that the check already cleared her bank account. 

I have spoken with Citibank via phone numerous times as well and today XX/XX/XXXX, I was told that they are closing my savings account. For the last few days, I have not been able to log in to my mobile app where I pay the bills for the 2 Citi credit cards that I own, nor access my savings account. When I call them, no one tries to help me get access. They keep telling me to go to a branch when I have told them that I opened the account online and there is no branch near me. I had to mail them to deposit the original {$10000.00} that I used to open my savings account. I would like to file a complaint because they are denying me access to my accounts and not communicating to me why they are doing this. As of right now, I can not log in to my account and no one will speak to me to assist me.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I provided the reasons for disputing the information. I have enclosed it again Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX  ) to seek their assistance in resolving this issue. the fraud accounts are showing and I sent you a police report
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I would like to dispute the following items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-14
Product: Credit 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. (NY)

Citibank dispute favors merchant despite them not delivering the service that consumer paid for. XXXX & XXXX. Citibank exec provided canned response to close XXXX case. 

On XX/XX/XXXX, I made a payment of approximately {$12000.00} to XXXX XXXX XXXX XXXX XXXX XXXX for a bathroom renovation project, which included replacing tiles and removing and installing a new vanity. Additionally, I spent {$4000.00} on tiles separately for the project. The contractor requested full payment upfront, which I provided. However, they failed to deliver the agreed-upon services and caused substantial damage to the bathroom wall, requiring me to hire another company for remediation, which resulted in additional costs. 

The first time I disputed this charge with Citi Bank, they closed the ticket and claimed it was my responsibility. After I contacted them again, they said they would reopen the case if I provided the start and end dates of the service, which I did. When I later filed a complaint with the CFPB, Citi Bank responded with a canned request for more information. After a month-long investigation, they closed the case again in favor of the merchant. 

XXXX XXXX XXXX XXXX XXXX XXXX has received payment for a service they have not delivered. They didnt complete the job, leaving me with a financial loss of approximately {$12000.00} for the original payment, {$4000.00} for the tiles, plus additional expenses to repair the damage they caused. Despite being a loyal Citibank customer for over 9 years, I will be closing all my accounts with them if this issue can not be resolved and the bank sides with the merchant for charging me for services they have not delivered.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I log in to my BofA credit card account ending in XXXX to make a payment online. After I am logged in, when I select the " Make Payment '' button I keep getting a popup box that shows : " Your request can't be processed due to account status. Please contact us for assistance at XXXX ''. 

This has been going on since XXXX. When I called XXXX, I spoke with a BofA customer service person who told me that she did not know why this was happening and did not know when I would be able to make a payment online. 

This is an unacceptable level of service. I use the BofA online payment system to make payments using the BofA epay system which lets me set up payments days, weeks, or months in advance. This way I can set up a payment when I am thinking about it and not have to worry about a late charge when the payment comes due. 

Now that I can not pay my account online, I also can not set up advance payment ( s ). 

Because I pay my bills online, BofA is, in effect, not allowing me to make or setup my payment ( s ) so they will not be late and subject to one of BofA 's outrageous late charges!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>