davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

This complaint is regarding my citi bank credit card. 

There are 2 credit card specific situations : 1 ) I noticed that there has been a series of transactions that i didn't initiate and most of these are in person transactions- someone is using this card to make unauthorized purchases. I flagged this to citibank and filed disputes through the online portal. 

Citibank apparently investigated and concluded since I had the physical card in my possession, these are all " legal '' charges and I ought to be responsible for them. I spoke with them on the phone a few times, and confirmed that I have not made these purchases, but they still didn't do anything about them. 

2 ) They blocked the original card and sent a new card. I never received that card because my address was not updated on the portal. I am seeing a similar series of purchases on this new card as well. I have disputed the charges, but haven't seen any action from Citibank yet. 

Also, I want to further highlight that Citibank not only put this false burden of paying these fraud purchases on me, but also started charging me interest payments for " not paying '' the bill. 

I have pasted a table summarizing all fraudulent charges below. 


Date Description Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent
Consumer complaint received 2023-10-23
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)

**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

3. **Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-14
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX I am contacting you regarding fraudulent inquiries on my experian credit report I have already contacted experian but they have done nothing to resolve the issue. There are two fraudulent credit inquiries on my experian credit report and I would like them removed because they are fraud and do not belong to me. I am a victim of of identity theft and I am including my police report to support my claim. Please make experian delete these fraudulent credit inquiries because they are fraud and do not belong to me and I would like them remove from my credit report at once. These are the two inquiries XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (GA)

Unjustified Billing and Negative Credit Implications Due to XXXX 's Administrative Error XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA, XXXX [ Your Address ] [ City, State, Zip ] [ Email Address ] [ Phone Number ] XX/XX/2023 Dear Sir/Madam, I am writing to lodge a formal complaint against XXXX XXXX concerning a billing error that has since escalated to an unwarranted debt collection action, which might adversely affect my credit rating. The genesis of this issue was an attempt to open an account with XXXX online on [ insert date ], which, due to some unknown hindrance, was not successful. 
During the account setup process, a XXXX agent collected my personal details, including my Date of Birth, Social Security Number, and address. Despite spending nearly two hours online with the agent, the account was not set up. Frustrated, I decided to abort the process and explicitly requested the agent to cease any further attempts to create the account. Surprisingly, I received a bill of {$170.00} from XXXX a few weeks later. 
Upon receiving the bill, I immediately contacted XXXX customer care at XXXX and explained the predicament. They acknowledged an error on their part, assuring me that the matter would be resolved internally and that I should disregard the bill. Despite this assurance, I continued receiving bills from XXXX. Believing that the issue would be rectified soon, I did not follow up until I received a bill from a debt collection agency, CBE Group, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX, with a contact number of XXXX. For reference, the XXXX account number mentioned in the bill is XXXX, and my case reference number with CBE Group is XXXX. 
Now, I am faced with the undue stress of liaising with the debt collection agency to resolve an error that was not of my making. Moreover, there is a looming threat to my credit rating, which, if affected, will lead to higher interest rates on credit, causing me financial loss. 
I kindly urge the Consumer Financial Protection Bureau to investigate this matter and facilitate a resolution that will rectify the erroneous billing, halt the unwarranted debt collection action, and prevent any negative implications on my credit score. 

Thank you for your prompt attention to this serious issue. I am willing to provide further information if needed and look forward to your expedient response. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (OH)

I have filed numerous complaints with Equifax and the CFPB about a fraudulent inquiry on my credit report. My first complaint was submitted in XX/XX/2023. Equifax replied to the CFPB complaint submitted in XX/XX/2023 stating that the credit inquiry for XXXXXXXX XXXX XXXX XXXX was deleted. As of today, the inquiry is STILL on my credit report. I have attached a copy of the FTC report submitted to Equifax and a copy of the complaint results submitted to the CFPB with Equifax 's response stating that it was deleted and a current coy of my credit report as of XX/XX/2023 showing that the credit inquiry is still on the report.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX Late Payment {$0.00}
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XX/XX/XXXX XXXX Experian, XXXX, XXXX Date XX/XX/XXXXXXXX  NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCAL IS NOTICE TO AGENT Account- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} Dear Experian, XXXX, XXXX You are reporting Unverifiable inaccurate XXXX incorrect information on my Experian, XXXX, XXXX credit report. The reporting of such information has created severe damage to my character, my reputation, and general mode of living and my ability to obtain credit for personal and housing purposes. 

You and your in accurate reporting have damaged my livelihood. 

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt you are reporting on my credit profile. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ).

15 U.S. Code 1692g - Validation of debts.

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt under the FRCA and FDCPA regulations. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Contract With My Two Wet Signatures Promissory Note Validating The Debt Belongs To Me If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX, Acct # XXXX, Paid in Full and Closed XX/XX/ please remove this account off my report I did not give permission for this to be put on my report or stay on my report.
Consumer complaint received 2018-05-14
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: Experian Information Solutions Inc. (TX)

On several attempts and request I have asked experian to investigate the negative account of XXXX XXXX. Each time experian claims they investigated the account. I have asked for their method which they ignore. XXXX has acknowledged they can not validate the account as my leagal responsibility to pay. Please help hold either XXXX or experian accountable by the law. It is required by law that a reasonable investigation be conducted once a consumer disputes. On a recorded conversation with a experian representative I was told several time all experian has to do is take the furnishes word. Which I know is false.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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: JPMORGAN CHASE & CO. (NY)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. JPMCB - CARD SERVICE XXXX
Consumer complaint received 2023-07-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Tiffany & Bosco, P.A. (AZ)

While applying for a loan modification my home was sold and my lawyer is requesting for a jury trial, for a wrongful eviction. Date to be determined by the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I am attaching Response in Opposition to Motion for Judgment on the Pleading. 
I respectfully request your intervention with the company doing the wrongdoing. 
TIFFANY & BOSCO , P.A . 
XXXX XXXX XXXX, XXXX Shareholder XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX AZ XXXX D XXXX P XXXX | F XXXX
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bright Capital Inc (TX)

Joined Bright Money and signed up for their Bright Builder loan program, which is to build credit. XXXX loan advertises that after 5 on time monthly payments, you can start to qualify for a balance transfer, which was my goal of the program. Signed up for autopay and have had no issues for the first 4 payments. 

XXXX payment that was due XX/XX/XXXX, autopay did not go through. I have attempted to manually pay this payments multiple times, everytime a payment is made, it disappears from my account history and does not show a pending payment. 

I have attempted to reach out to customer support but they were uncaring and did not address my problem. 

I find it interesting that on the payment that is suppose to qualify me for the potential of having a balance transfer, this is the payment that all of sudden all my payments are not showing up. 

This is unfair lending, deceptive, and misleading. The failure of the companys autopay system, which is I am still enrolled in, is inexcusable Photos attached show example of payments that were made. Payment of {$6.00} was made by me on XX/XX/XXXX ; Today, XX/XX/XXXX, that payment is no longer pending in my account and is not reflected in my balance
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. 

XXXX XXXX XXXX pulled my credit on XX/XX/2023 and I did not authorize this inquiry. This is a fraudulent inquiry. 

This is a violation of the fair credit reporting act section 1681b ( c ) and a serious breach of my privacy.