davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IN)

15 usc 1681a ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Credit utilization is an experience that should not be reported to consumer reporting agencies
Consumer complaint received 2024-05-17
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. (TX)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2022-10-28
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. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
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. (FL)

CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all 3 bureaus : XXXX, XXXX, and Equifax ) XXXX What happened : I have Identified 4 Fraudulent Charge Offs and Collection accounts on my FICO credit score report Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX of XXXX account number XXXX, Affirm Loan Purchases on XX/XX/XXXX account number XXXX and XX/XX/XXXX of XXXX account number XXXX, accompanied by XXXXXXXX XXXX XXXX XXXX XXXX XXXX Car Insurance account opened on XX/XX/XXXX of XXXX account number XXXX. All have turned into Charged Offs and Collections which resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-17
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. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

XXXX - ATM cash withdrawal {$180.00} XX/XX/XXXX - Cash advance fee {$10.00} XX/XX/XXXX - Credit card charge XXXX XX/XX/XXXX - minumum charge {$1.00} Customer Service has taken forever to get a hold of and is poorly able to handle the issue. They told they would remove the charges but they still have not. But my greater issue is that they allowed the criminal to add an authorized user, change my pin, email, etc. It's absurd that it was allowed and that I have to go through the process of calling and spending hours to try to resolve this. 

This is with Best Buy Citi card with card number ending XXXX.
Consumer complaint received 2022-10-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Capital Mortgage (VI)

Capital Mortage pre-approved me for mortgage and I based on their preapproval I proceeded with signing contract for a hope purchase. I spent a lot of money on the home inspection, survey, lawyer and ernest money. Capital Mortgage run my credit report several times and did not inform me within 30 days that my loan was denied. They kept on advising me to pay off negative accounts from my credit report which I did promising that that will help me get approved for a loan. They also told me to remove myself from my mothers account as authorized used which caused my credit score to drop over 30 points. Finally they informed me that my loan was denied and they would not consider manual underwriting because of location of the property ( XXXX ). Up to now I did not receive denied letter and so I am unable to get back {$5000.00} ernest money deposit. Moreover because of they wrong credit advises my credit score went down and I consequently became ineligible for a loan with another mortgage lender. I would like to receive {$10.00} in damages for the poor service and losses I acquired because of them
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: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-26
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. (MD)

This month, on XX/XX/2023, I disputed inaccurate accounts that were reported on my consumer report. The results came back accurate and were not adequately investigated because the inaccurate information is still on my report and has not changed. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # - XXXX, Account # - XXXX XXXX XXXX Account # - XXXX XXXX XXXX  XXXX Account # - XXXX XXXX XXXX  XXXX Account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I am writing to file a formal complaint regarding my recent experience with Citi Bank, which has left me deeply concerned about my Citi Savings Account and the potential closure of all my Citi accounts. 

On XX/XX/XXXX, I opened a Citi Savings Account with the intention of using it as a joint savings account, shared with my significant other. I transferred {$300.00} from my paycheck into this account on XX/XX/XXXX. However, I soon discovered that it was not possible to add a joint account holder to this specific account. Consequently, on XX/XX/XXXX, I transferred the funds to a joint account. 

To my surprise, approximately a week later, I received a letter from Citi, stating that I had violated the terms of my Citi Savings Account and that all my Citi accounts would be closed within 60 days. In response to this notification, I immediately contacted Citi 's customer service and spoke with three different agents. Despite providing my account number, social security number, and card information, I was informed that my identity could not be verified due to an issue with my phone number not being on my account. I have been a Citi member since XX/XX/XXXX, and I have received verification codes via text messages in the past, which only adds to the confusion. 

The agents I spoke to advised me to await a letter with a reference number in the mail, which was supposed to help resolve this issue. Regrettably, it has been nearly two weeks, and I have not received any such letter, leaving me in a state of uncertainty and frustration. 

I would like to emphasize that the delay in receiving the reference number has created a pressing issue for me. My Citi credit card bill is approaching its due date, and I am currently unable to access my Citi account to make the necessary payment. This situation has put me in a difficult bind, and I urgently need intervention to resolve this matter. 

I kindly request your immediate attention and assistance in addressing this issue with Citi Bank. My goal is to maintain my relationship with the bank and find a solution that allows me to keep my Citi accounts. Your prompt and thorough consideration of this complaint is greatly appreciated. 

Thank you, Citi XXXX XXXX : XXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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. 

1, XXXXXXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (HI)

This person know my socail everything about me she put XXXX XXXXl XXXX using my socail My birth certificate my name to put on my credit because i didnt live here in XXXX  back in XXXX  she also is stalking me and harassing my XXXX and i like my life is at risk. Because of this personal because she wants to get married to my XXXX this lady is already married with her husband with her own age. My husband is my age and she wants him so she doing all these false Allegations and deformations on the internet and throught his family she has all my information please help me. I know where she lives she is doing this because she like younger guys but she is around XXXX or XXXX i & my husband dont want this old lady near us but she still coming around doing false stuff under my name i didnt give her permission to do these things towards me please help thank you
Consumer complaint received 2024-05-17
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. (CA)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to formally notify you of a serious issue regarding my credit report and to seek your assistance. I have been a victim of identity theft, and as a result, fraudulent accounts have been opened in my name with XXXX ( XXXX ). Despite providing XXXX with documentation from XXXX confirming that these accounts are not mine, XXXX has refused to remove the fraudulent accounts from my credit report. 

The accounts in question are as follows : XXXX ( XXXX ) Account Number : [ insert account number, if known ] Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information on their credit report. XXXX 's and Transunion refusal to remove these fraudulent accounts, despite the evidence provided, constitutes a violation of this requirement. 

XXXXXXXX XXXX and Transunions actions have caused significant harm to my credit standing and have prevented me from accessing credit and financial services. Moreover, their failure to comply with Metro 2 compliance guidelines, which are their own industry standards for accurate credit reporting, further exacerbates the issue. 

Given that XXXX has already confirmed that these accounts are not mine, I am requesting the following actions from XXXX  : Reaffirm the invalidity of these accounts and communicate directly with XXXX AND Transunion to ensure the immediate removal of the fraudulent XXXX XXXX XXXX XXXX accounts from my credit report. 
Provide assurance that these accounts will not reappear on my credit file in the future. 
Assist in ensuring that all negative information related to these accounts is removed from my credit reports. 
As a victim of identity theft and a concerned consumer, I am deeply troubled by XXXX 's and Transunions failure to comply with their legal obligations and protect my financial information. I urge XXXX to take swift and decisive action to rectify this situation. 

I have attached copies of the relevant documentation from XXXX, including any correspondence that confirms the fraudulent nature of the accounts. Please confirm receipt of this letter and provide me with updates on the actions taken to resolve this matter. 

Thank you for your attention to this urgent issue. I trust that XXXX will act promptly to assist me in resolving this matter.
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, I contacted Wells Fargo Bank to make a complaint about a scam that I got reeled into when I applied for a job online and it turned out to be a scammer behind it ( mind you, I am XXXX XXXX XXXX, on social security and was looking to find a part-time job to supplement my Social Security XXXXncome ). I asked for their assistance in investigating and refunding the money I lost which was approximately {$22000.00}. Wells Fargo summarily took my information on the XXXX and closed the investigation on the same day. It seems to me that they did not investigate anything but did proceed to tell me that I would not be refunded my money. Although I explained to them that I was a 40 year customer of the bank who had never had a negative balance or a returned check, they still maintained that it did not matter as I was responsible for the scam, therefore unwilling to refund my money ( why would I be responsible? I didn't do anything wrong except to believe the clown I was communicating with via text! ). I informed them that the bank has a fiduciary duty to refund monies to bank customers that have been scammed as well as an ethical one. Didn't make any difference as they refuse to refund my monies. I was transferred to different departments with the same results. ( Mind you none of Wells Fargo employees gave a XXXX  XXXX about my predicament with the exception of 2 that were kind enough to take down my complaint in detail ). I wound up writing 3 letters to Wells Fargo ( sent them via email and had the email address to the CEO blocked so I could not send him a follow up email. I was summarily referred to their other offices for their investigation. To date, I still have not received a dime of my money. I received a letter from XXXX indicating that they apprised me that a large wire of {$4900.00} seemed fraudulent, but they allowed the wire to go through. Had they NOT allowed the wire to go through, it would have arrested this whole situation before it got to the point that it had! They indicated they had a recording wherein I was apprised that the transaction looked fraudulent, but when I asked to hear the recording, was told that it was Wells Fargo property and that I would not be able to do so. Today is XX/XX/XXXX and I'm still wrangling with the bank to do what is the lawful thing to do. To them, Elder Abuse does not pertain to this matter and neither does the law! I have been referred to their executive office on the XXXX XXXX and will call them Monday, the XXXX. In the meantime, I am back to searching for a job praying to XXXX that the next opportunity does not put me in this predicament!
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (CT)

I am writing to formally file a complaint against Experian concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to Experian via USPS certified mail with tracking # XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Experian has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Experian 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I did not receive a response back from Experian with the investigation results. 

I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel Experian to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Experian as proof. I am now demanding Experian to immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2024-05-17
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. (NC)

I am still receiving emails from the credit bureaus suggesting that I am assisting credit repair companies, which is absolutely incorrect. I am the one sending out the letters. Please take immediate action to rectify this issue, or I will be compelled to take legal action. Below is the list of negative accounts and inquiries I want to be removed : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX