davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

I was a Citibank client and opened a bank account in XXXX. I was told it was a regular checking account. In XXXX, I had identity theft with my bank account, due to a wire from my account. I filed a claim and am still waiting for Citibank to resolve my fraud case. Because of the lack of security in my Citibank bank account, I decided to close my bank accounts. In XXXX, I went to Citibank at XXXX XXXX XXXXXXXX and sat with a banker to close all my bank accounts ; I was told they were closed. My accountant filed my taxes for XXXX, but it was rejected by the IRS for identity fraud. I looked at my tax documents, and to the shock of my life, I saw Citibank had filed 1099 to the IRS saying that they wrote off a debt for me in the sum of XXXX I contacted Citibank. They said they could not speak to me because my account had been inactive since XXXX, and I needed to go to the branch with my ID. The manager arranged for me to get a copy of my bank statements. He told me that I needed to come back to the bank to get my account back to active so they could see details on the account. I got home and called Citibank again. I asked to speak to the recovery department. I got through to them and got the following information. 

I was told that in XXXX, they filed a 1099 for the tax year XXXX in the sum of XXXX ; they claim that the account went to collections from XXXX to XXXX. I was told the bank wrote off the debt in XXXX and then sent it to collection with the company XXXX at the phone number XXXX XXXX XXXX XXXX. I never took out a debt with Citibank ; Citibank NEVER wrote to me about a debt, and no collection agency wrote or called me. I checked my credit report from XXXX to XXXX, and there is NOTHING on my credit report about a debt. 

I am shocked by this. I need Citibank to send me the following through the CFPB : a copy of the debt, the statements of the debt, the letters from the collection companies, letters they wrote to me about the debt, and any information on this debt. I also need to know when it occurred, how it occurred, my signature on a contract for the debt, and the documents I signed for this debt. This is insane. 

Citibank had my phone numbers to call me. They NEVER did They NEVER closed my account and continued to charge me fees on my account. Hundreds of dollars in fees
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am taking action to dispute and investigate these accounts as they are being wrongfully reported on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} for each incorrect entry. I understand that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

I did my research with the fair credit reporting act and National Credit Adjusters I have no account number with them cause I never did business with them, has violated my rights. The following laws : 15 U.S.C 1681 section 602 A State I have a right privacy. 15 U.S C 1681 Section 604 A section 2 : a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion NEVER performs a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... Transunion , To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXXXXXX XXXX XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} ( Collections ). I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1000.00}
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (VA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I noticed a while back on my credit report from Equifax that I have two exact same accounts reporting on my credit report. I have tried disputing seperately because there is not a way to bundle for duplicate reports.Equifax did not catch it was on my report twice either. I couldn't put into words that I had two exact accounts on my report for XXXX XXXX with the exact info and account number reporting twice. I have uploaded documents from my credit report showing same account number with same data furnished twice side by side below one another. I believe my rights have been neglected and violations of the Fair Credit Reporting Act proven. To dig deeper you can clearly see dates opened XX/XX/XXXX on both profiles, date of last activity XX/XX/XXXX and same credit limit.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2019-07-27
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)

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Consumer complaint received 2019-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2019 my Venmo account was frozen with no warning or anything. The very same day I contacted venmo and they would not give me a reason as to why. My account had {$200.00} in it. When I contacted Venmo a account management specialist contacted via email because Venmo said they dont have a direct phone line. They said their policy says they can hold my money for up to 180 days but when I asked for a date that the funds will be released I got an email saying they will not be looking into the matter any further and not to contact them. Now I am out {$200.00} and Venmo will not respond to my emails about the date I will get the {$200.00} balance that is in my frozen account.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

According to 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 an account without my written instructions. Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS. ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report. Also, it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information 15 USC 6802. Nonpublic information means- personally identifiable financial information provided by a consumer to a financial institution resulting from a any transaction with the consumer or any service performed for the consumer 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 : " As a financial institution, [ Furnisher of Information to Credit Agencies ] must adhere to these obligations. My financial history on XXXX, Equifax, XXXX XXXX is not public information and should not be furnished on my credit report. Please remove all transactional history including payment history, any late payments, utilization rate ( should say paid as agreed ) etc. Thank you for understanding and your compliance.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

Dear Sir/Ma'am, This letter is in response to your recent claim that the following information reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I WAS CHECKING MY CREDIT REPORT AND ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD
Consumer complaint received 2024-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It has come to my attention that you have neglected to fulfill the requirement outlined in 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. Specifically, you failed to indicate that a particular account was under dispute within the stipulated 30-day timeframe. This omission constitutes a violation of this provision.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NC)

On XX/XX/year> at XXXX XXXX, an unauthorized transaction of {$190.00} to buy Etherium ( ETH ) from my bank checking account that I never use to buy Crypto from. That transaction did not leave my account but it was added to my account.

So I called Coinbase customer service, and a lady with heavy accent decided to luck my account for 3 days that I myself will not be able to login my account. I repeatedly told her that is the wrong approach since there is not fund has left my account, but she didn't listen at all and my account at coinbase is frozen for 3 days along with my transactions and my fund
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Some company called XXXX XXXX XXXX who sold something to this collection people that has been harassing me trying to collect a debt. I asked for help and then they sold my stuff now it's new stuff on my credit reporting from people I didn't do business with or never heard of. 

Double accounts, name changes, different dates and balances are all coming from one account but reporting different on reporting agencies that's not cool Org Creditor : XXXX XXXX XXXX : complete XXXX XXXX 15USC1692 I request to have these accounts took off my credit and remove all data in your systems.
Consumer complaint received 2024-06-12
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. (GA)

I filed for bankruptcy and it was discharged but for some reason XXXX  XXXX account is still open. It should be included in bankruptcy. Tried to dispute account but having issues
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I need my address updated. I have asked XXXX, XXXX, and transition to delete these ASAP. I only live at XXXX XXXX, XXXX, MI XXXX. I have lived at this address more than 2 years. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXXXXXX XXXX XXXXXXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX