davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX or XXXX impending an account with citi bank with cash, a savings which I deposited {$6000.00} and a checking which was {$1200.00}. On XXXX the XXXX they froze my account because I tried to use my temporary card and it didn't work. So they said suspicious activity. I went into the XXXX branch of citi bank and they helped me get it unblocked. I go home and try to use the card in XXXX  it's blocked again. I go back the next day into the branch XXXX XXXXXXXX XXXX  and they say I need a reference number to unblock my account. It will be in the mail 7 to 10 business days. I haven't had access to my funds for 10 days and still no letter with a reference number. I received XXXX letters from them XXXX. A welcome letter and to with the same code and it said to call and give them this code I called gave them the code and they said it's another letter with a reference number that was mailed on the same day as the XXXX letters that I already received. I haven't had money for food or nothing else. I called them and they said wait for the letter which is nowhere in sight. I asked them can I come in the branch with proper identification and they said the branch can't do anything. The branch told me in person that I have to wait for the letter. I looked at the reviews and they do this to everyone which means they are mishandling money that's trusted to them.
Consumer complaint received 2024-05-18
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)

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2024-05-18
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. (FL)

Upon reviewing my credit report, I uncovered inaccuracies within certain sections. According to the provisions outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative for the three credit bureaus to validate these accounts. Failing to validate these reported accounts as unverified information, without furnishing proof within the legally stipulated timeframe, is not permissible. The accounts listed below require investigation and correction due to erroneous reporting : XXXX XXXX Balance Owed : {$0.00XXXX XXXXXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$170.00} DEPTEDXXXX XXXX Balance Owed : {$3100.00} DEPTEDXXXX XXXX Balance Owed : {$2500.00} DEPTEDXXXX XXXX Balance Owed : {$5000.00}
Consumer complaint received 2023-12-20
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (AZ)

I received a notification on XX/XX/2024 through my XXXX credit report that a charge card under the account name XXXX XXXX XXXX XXXXk had been opened under my name on XX/XX/2024 and had a balance of {$1300.00}. I called the bank directly to report it as fraud since I did not open this card. 

Also, I received another notification of a hard inquiry on my credit report alerting me that a credit card application was submitted under my name for a Dicks Sporting Goods Credit Card through Synchrony Bank. I called the bank directly to report it as fraud as I had never applied for a credit card with Dicks Sporting Goods. The bank confirmed that they have alerted the credit bureau of the fraudulent activity.
Consumer complaint received 2024-05-17
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. (PA)

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 XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX : XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

I have been loyal Chase customer for over 20 years, with multiple active accounts, I am deeply disappointed by the treatment I have received in this matter. 

On XX/XX/year>, I was defrauded when attempting to purchase tickets for a XXXX playoff game through XXXX XXXX. The individual I paid, using XXXX XXXX via my cell phone, provided fraudulent tickets. Upon arriving at the game, I discovered that the tickets were invalid. The total amount I lost in this fraudulent transaction is XXXX, I have provided police and FBI reports that attest to this. 

I promptly reported this incident to Chase and XXXX, fully expecting the bank to uphold its commitment to protect its customers from fraudulent activities. However, to my dismay, my claim was denied, and I have not been reimbursed for the funds lost due to this scam. 

To add insult to injury, my friend XXXX XXXX ( we were planning on attending the game together ) who is also a Chase customer submitted a claim as she was defrauded on the same day, for the same game, via the same manner, by the same person and her claim was APPROVED by Chase Bank. 

Considering my long-standing relationship with Chase and XXXX, the significant financial activity I maintain within my accounts, and most importantly the manner in which Chase is choosing to openly discriminate and treat customers differently that are experiencing the same set of circumstances, I believe this situation warrants a thorough evaluation. 

I hope Chase understands the detrimental effect of discrimination against customers driving reputational damage, customer attrition, legal consequences, and financial impact. 

Please investigate this matter with the urgency it deserves. I am requesting a prompt resolution and reimbursement of the amount lost in this fraudulent transaction. Should you require any additional information or documentation I am more than willing to provide it.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-03
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  Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to get Acct # XXXX from the XXXX XXXX XXXX XXXX removed from my credit report. You are reporting information about me that inaccurate All three credit bureaus are reporting different high balances and last activity date. There can only be one high balance. This account has been verified. Delete the following account immediately for failing to comply with FCRA. Please remove from all 3 bureaus.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

Subject : Formal Complaint Regarding Fraudulent Activity and Lack of Response Dear Consumer Financial Protection Bureau, I am writing to address a concerning matter regarding my recent interaction with Wells Fargo. On XX/XX/XXXX, I had a lengthy conversation with an Escalation Representative who provided me with several IP addresses purportedly associated with fraudulent activity. However, these IP addresses have not led to any substantive progress in our Wells Fargos investigation. 
I am requesting immediate action from Wells Fargo to provide the specific IP address used, along with the exact date, time ( including minutes and seconds ), to open the fraudulent account ending in XXXX Additionally, the scammer conducted XXXX transactions between XX/XX/XXXX and XX/XX/XXXX. I require the IP address used for each transaction, as well as the corresponding date, time ( including minutes and seconds ), and method used. 
Furthermore, despite your letter dated XX/XX/XXXX, requesting ATM withdrawal copy of receipts to support my fraud claim, I have not received any response from Wells Fargos fraud department within the promised timeframe of 30 calendar days from XX/XX/XXXXXXXX XXXX XXXX 
This lack of response is unacceptable, especially considering the severity of the fraudulent activity involved. I urgently need this evidence to proceed with filing a report to the FBI for further investigation into this criminal matter. 
I kindly request the Consumer Financial Protection Bureau to intervene and ensure Wells Fargo promptly provides the requested information without further delay. Please escalate this matter to ensure that I receive a swift and satisfactory resolution. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX,
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IN)

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 2024-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BAM Management US Holdings Inc. (CA)

XXXX XXXX XXXX is trying to collect a debt for Binance that they claim I owe. However, I have never signed any sort of credit agreement or lending agreement with Binance, nor have I ever conducted any monetary transaction with Binance. Binance is stealing money from me and now XXXX XXXX XXXX is trying on Binance 's behalf to take money from me that I never owed to Binance in the first place. XXXX XXXX XXXX has been unable to produce any evidence showing that I have authorized Binance to lend me money nor have they given me any proof that this alleged debt is mine. I have disputed this with all of the credit bureaus multiple times and they have not shown me any proof. This false payment owed is now on my credit report and is negatively impacting my credit score.
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 — Was not notified of investigation status or results
Company: CLGF Holdco 1, LLC (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (CA)

The 3 major credit bureaus are currently reporting accounts on my credit that are fraud. Here is a list of the items in question XXXX filed XX/XX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$60000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XX/XX/XXXX XXXX {$7600.00} Please remove these items, for they are injurious to my credit history. Thank you
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-07-01
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. (GA)

To Whom It May Concern : Despite the precise information consumers have provided, I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX the list of the questionable items : XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX - Account XXXX XXXX XXXX  - Account XXXX