davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizens bank wrongfully closed my checking account on XX/XX/year>. I had my employer place a stop payment on my payroll check on XX/XX/year>, once I realized my attempt to change my direct deposit information had not updated. It was not until XX/XX/year> that my companys HR department contacted me saying that the funds had been deposited into my closed account anyway and the companys account had had the funds withdrawn on XX/XX/year> and that citizens had refused the stop payment even though it is illegal to accept funds into a closed account, even if it is overdrawn. The account was only overdrawn because citizens took funds that were awaiting pre authorized bill payments and placed them into my other citizens account to cover a bounced check, which i thought was also illegal, only on missed loan payments if they are with the same bank, can the bank withdraw funds from a checking account. This occurred on or around XX/XX/year> i unfortunately dont remember the exact date. The bounced check was a fraudulent check in my name deposited into my account and when Citizens froze my accounts was the first I heard of it. I filed a fraud complaint that day, was told my account was under review with me as the suspect. I never heard from citizens again and was told no information about what was going on with my account. On XX/XX/year> I received a letter saying my account had been closed and to my surprise it was not the account that the fraudulent check was deposited into, it was my main checking account, the one where all my direct deposits go. I have since requested bank statements from citizens to no avail, I just want to know what is going on with my account, and why I can not at least even have the remainder of my paycheck so I can survive, there is no way the account was overdrawn by XXXX, which is the amount of my payroll, so citizens is just simply withholding my money. That payroll check never should have been able to be deposited into my checking account on XX/XX/year> though if the account was closed, so Id really like my entire check also seeing how the fact that it was overdrawn at the time of the payroll deposit was not my fault. They allowed major fraud on my account, I did not deposit that fraudulent check, and instead of looking into it like I asked them to, they made the problem so much worse and now i am unable to pay my rent and buy food because they are withholding my money unfairly. Please help me in this matter.
Consumer complaint received 2024-07-07
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: CL Holdings LLC (CA)

Yes I have XXXX dispute I was trying to fix XXXX credit report I have had a issue with identity theft in the past and because of the situation I have had to file a dispute I also have had a police report to
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

FRAUDULENT INQUIRIES ON MY CREDIT REPORT I DID NOT CONSENT OR AUTHORIZE SOMEONE USED MY IDENTITY REMOVE THESE AS SOON AS POSSIBLE XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX Phone number By mail only XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

BANK XXXX XXXX, XXXX XXXX, XXXX CARD, XXXX XXXX, HELVEY & ASSOCIATES, and XXXX put negative information about me to the credit bureaus. These companies are attempting to collect a debt on the basis of XXXX. These companies breach of fiduciary duties, failure of consideration, misrepresentation of material fact, unjust enrichment, no loan or consideration was given. I understand that you shouldn't put any information on my credit file unless I authorized. Provide me with strict proof section 609 ( a ) ( 1 ) ( A ) I authorized this account such as signed applications and contract in wet signature showing, invoice accordance with Bills of Exchange Act 1882 and the actual accounting shows a loss. Provide proof claim with evidence you have legal and lawful authority with to collect. Failure to substantiate the claim, please settle account immediately. I'm challenging this account with these credit card companies. I will further pursue all of my legal remedy without further notice to credit card companies. Please Close and Delete these accounts immediately. Cease and desist ALL collection Activities. Account fraudulently opened in my name with HELVEY & ASSOCIATES is debt collector Under the FDCPA, a debt collector is someone or business who regularly collects debts owed to others which triggered liability under Sections 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ). debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. A debt collector does not have the right to communicate without a prior written consent period. VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/year>, I contacted XXXX XXXX to report numerous fraud charges on my account I requested the ability to upload supporting documents and was not granted access to it. I had to call back repeatedly, and the situation has not been remedied. This has adversely affected my Credit Score as a result.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to formally lodge a complaint against Equifax regarding their failure to initiate the dispute process for an issue I raised with them. On XX/XX/2024, I sent a certified dispute letter to Equifax at the following address : XXXX XXXX XXXX, XXXX, GA XXXX. 
According to the tracking information provided by the postal service, the letter was successfully delivered to the specified po box . Despite this confirmation, Equifax has not acknowledged receipt of my dispute letter nor have they initiated the dispute process as requested. The Tracking number is XXXX Enclosed with this letter, please find : 1. A copy of the dispute packet I sent to Equifax.

2. The tracking information confirming the delivery of my letter.

This lack of response from Equifax is causing significant frustration and potential harm to my financial standing, as the disputed information remains unresolved on my credit report. I request your assistance in ensuring that Equifax promptly addresses my dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax refuses to update my score. My score is exactly XXXXXXXX XXXX lower than both other credit report and agencies. I have called and asked Equifax about this. They can not give me any information. I have stated to Equifax that my score is completely wrong and to fix it, they refused to do so I will pursue legal action moving forward.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeXXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident typeXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident typeXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeXXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX typeXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Resident typeXXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-07-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AK)

I sold a home and deposited my proceeds into my Marcus online savings account. I then attempted to transfer some of those funds to another account with XXXX. I have been transferring funds between these accounts for well over a year with no issue. Marcus reversed that transaction. I then tried to initiate transfers between my Marcus account and my primary banking institution XXXX XXXX XXXX XXXX, and Marcus has also reversed all of those transfers. I called and asked for assistance and was informed my deposit agreement states that they can restrict access and ACH transfers to and from my account at any time without notice. I asked if that meant they could prevent me from accessing my money ever again, and they reiterated that those are the terms of my deposit agreement. They also stated they could not help me resolve these issues at this time. I am furious, while I understand banks need some tools to combat fraud I believe Marcus is intentionally holding well over XXXX dollars hostage to prevent me from transferring to a bank with higher interest rates. What they are doing is wrong, and those terms are unconscionable. They verified my identity with callbacks and security questions, they know I initiated these transactions, and they still refuse to allow me to move my US dollars between my US bank accounts.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (OR)

Attached is a notarized affidavit of facts regarding the credit reporting of XXXX XXXX XXXX, and the instructions for opting out of reporting... The following companies ( XXXX, XXXX, XXXX, XXXX XXXX, Sage Stream, XXXX, XXXX XXXX XXXX ) have violated the right to opt out by failing to provide a REASONABLE OPPORTUNITY TO OPT OUT pursuant to cfpb XXXX XXXX. The following companies ( XXXX, XXXX, XXXX, XXXX XXXX, Sage Stream, XXXX, XXXX XXXX  ) are in violation of the Privacy Act of 1974 ( XXXX U.S.C. XXXX ) due to the unauthorized collection, maintenance, use or dissemination of personal records contained in a system of records. The following companies ( XXXX, XXXX, XXXX, XXXX XXXX, Sage Stream, XXXXXXXX XXXX XXXX ) are on official notice of a conditional opt out persuant to XXXX and 15 U.S. Code 1681b ( 2 ). The following companies ( XXXX, XXXX, XXXX, XXXX XXXX, Sage Stream, XXXX, XXXX XXXX XXXX ) have 14 days from receipt of this affidavit to respond.
Consumer complaint received 2024-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On Sunday, XX/XX/XXXX, around XXXX, I was at a Chase location to use their ATMs. I had done my business as usual, and this man came in and began to verbally threaten and intimidate my friend and I. I felt unsafe, scared and unsure of what to do, so I was coerced into withdrawing {$700.00} from my bank account, which included authorizing the transaction. I have no affiliation with this, and intentions of it, and believed I followed all the steps I should have. I immediately notified Chase, contacted the police, and continued to file a claim and work with Chase through every step of the process. My belief was that since this was captured on video, it would be possible for me to get my money back, but Chase has denied my claim and I don't know what to do. I have called Chase on XXXX XXXX to see if I could reopen my claim, but since this transaction was initiated by signing in with my XXXX XXXX, which at the time I believed would be safe since he can't see my card details, it would be impossible for it not to be me. I understand that on paper it was authorized, but when there are no security guards, and a man is inches away from me threatening me as an underage woman, it's hard to exercise free will in that moment. I sincerely hope the security cameras are reviewed and this case is taken with more care.