davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, at approximately XXXX XXXX  PST, I discovered that my account had been closed, leaving a remaining balance of {$3800.00}. This abrupt closure was unexpected and troubling, as I have not engaged in any activities that violate Citibank 's terms of service, nor have I committed any treason or fraud. I have been a loyal Citibank 's customer, and this incident has caused significant inconvenience and distress. 

To provide a comprehensive overview of the transactions leading up to the closure, on XX/XX/2023, I transferred {$3000.00} from my savings account to my checking account. Subsequently, I transferred {$2400.00} to my significant other through XXXX within the Citibank app to reimburse him for expenses. It is important to note that I adhered to the daily transfer limit of {$2500.00} for my basic Citibank account. These transactions were well within the normal usage of my account, and I received no indication of any irregular activities, closure of my account, or any communication via text, phone call, or email from Citibank or XXXX from the time I made the transfer to the date of my account 's closure. This situation has put me in a vulnerable position as I am unable to pay my monthly bills. This was an isolated incident and my first time conducting such a big transaction of over {$2000.00}, with no intention of violating any terms or rules. 

My attempts to seek clarification and resolution through Citibank 's customer service have been met with frustration and inconsistency. Despite multiple calls to customer service, I have been redirected to different numbers and received conflicting information from XXXX different representatives. This lack of uniformity in responses has only added to my XXXX and uncertainty regarding the resolution of this matter. 

Furthermore, I have sought confirmation on the amount I will be receiving through checks for the remaining balance, but each representative has provided varying information. I have also requested proof of the correct amount and assurance that I will receive my funds, but I was informed that such documentation is not possible. 

This situation is both perplexing and distressing, and I find it imperative to make a formal complaint against Citibank for handling this matter. I kindly request a thorough investigation into the circumstances surrounding the closure of my account, as well as transparent communication regarding the amount I am rightfully entitled to receive through the checks that will be sent to me. 

I trust that Citibank values its customers and is committed to resolving issues promptly and fairly. I appreciate your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-01-08
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX BANK XXXX {$760.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. " According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Can you fix
Consumer complaint received 2024-01-08
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. (NY)

According to the fair credit reporting act XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section602 A states I have the right to privacy and also states a consumer reporting agency can not furnish an account without my written instruction. It is also my understanding under the FCRA 15 USC sec 1681i every single even each and all the unproven, non-compliant, incomplete, untrue, incorrect and or unverified aspect of any alleged derogatory account must be promptly negated in its entirely or the alleged account are to be completely DELETED. This derogatory account allegation is either UNTRUE, UNVERIFIED, INCORRECT, IMCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY OR OTHERWISE NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately.
Consumer complaint received 2024-01-08
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. (FL)

I am reaching out to revisit my dispute concerning these XXXX  inquiries on my credit report, which were conducted without obtaining my explicit consent. Upon conducting a comprehensive examination of my credit file, I uncovered some unauthorized inquiries into my credit history, resulting in the inclusion of a XXXX  inquiry entries on my Equifax credit report. 

Specifically, the inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 
In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-04-02
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. (TN)

I have contacted Experiqn numerous times about the incorrect information listed on my report. Ive called several times and always told to mail supporting documentation. Ive sent copies of identity theft reports and there isnt a way to upload this information on their site. Everything I send supporting documents they refuse to accept the documents and lie and say they received information from a third party when Im the one who sent it. Ive told them several times about this and that they keep reporting inaccurate information on my report that has been removed with XXXX, however Experian is failing to abide by The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Experian also keeps reporting an old address as a current address and I have called several times to correct this and they are constantly reporting incorrect items on my credit report. If this is not resolved as I have tried to resolve several times, I will be filling a lawsuit and getting an attorney involved due to experian incompetence and unfair credit reporting.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I noticed a debt collector XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX reported on my credit report on XX/XX/2023. I have no knowledge of this account. Someone has gained access to my social security number without my written consent to apply for anything in my name. Furthermore this debt collector XXXX XXXX XXXX has no license to collect any debt in the state of Georgia. Can you remove this collection off of my report or I will have to purse legal matters. 

15 U.S. Code 1681c2 - States to Block any information resulting from identity theft.

Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-02
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. (SC)

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 EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. 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. Please see attached file for these items I am complaining.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Please see attached documents : (  1 )  FACTS - CFPB  XXXX  (  2 )   Form  HUD-1 - Wells Fargo Bogus Demand Letter -   USAA Insurance f or Military Forensic accounting.xps  ( 3 )    XXXX   XXXX    Recorder 2015.xps M y story and my forensic accounting, from "  XXXX  independent professional sources, '' remain the same.      Wells Fargo  replies continue to present erroneous and changing information (  1 ) to backfill accounting errors, ( 2 ) to hide dual tracking, ( 3 ) to hide securitization of real property, ( 4 ) to defraud the Federal government and its tax paying citizens.      Moreover, I have learned that  Wells Fargo Bank  wrote a  20-year ac cumulation period Annuity Application at their   XXXX   XXXX  ,  XXXX , CA  XXXX  store, based upon a " telephone interview '' of my Mother in "   XXXX   XXXX  . '' The overwhelmingly egregious  fact is that my Mother  reached her mortality on   XXXX   XXXX   XXXX  , "  four years prio r. '' Even if my  Mother had  been alive in   XXXX   XXXX  , a  20-Year perio d would have placed her at " age  XXXX  '' before annuity income from her otherwise liquid savings account. This action violates every  Senior Suitability and Compliance Law o f record.     Our family, that has ban ked at Wells Fargo since Year   XXXX , has been targeted by  Wells Fargo in its " 8 is  Great '' schemes. There must be some  Federal restitution to the victims of Federal Bank schemes to restore our hard earn ed estate.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-08
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)

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 XXXX # 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 2024-01-08
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. (AL)

Equifax has inaccurate information on my credit report. After disputing the information and informing them of their duty to send opt out notice. I was told that they don't have to send this out. I was also told that Equifax does not have to verify the information that they include on my report. This Inaccurate information has caused me many losses causing my family and I to be denied for a home, which resulted in physical and economic harm. This report defames my character and my credit worthiness. I have tried on multiple occasions to have this issue corrected. Please Help!
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION ()

Following my complaint to you ( XXXX XXXX ), Truist Bank said they would deal with the issue and assigned my case to XXXX XXXX XXXX After several email chases she said she was no longer dealing with my case and it had been assigned to XXXX XXXX. Neither now answer my emails. I have tried for 12 months to close my account. I have sent a notarised letter and apostille to the address their client advocacy team provided but Truist continue to ignore all my correspondence. I note you have closed my case which I don't understand. I want to avoid appointing a lawyer to take formal action against Truist but I don't see any other option if you can't get them to act or respond.
Consumer complaint received 2023-06-23
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report. Please find the ATTACHED documents to assist in the deleting of the erroneous information which are being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  Opened XXXX XXXX, XXXX XXXX  Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/23 I try to submit an application for the Capital One Business Spark card. Capital One will not let me submit my application because my EIN ends in XXXX. Their system says the number cant be correct although it is. They have told me there is nothing than can do both over the phone and at the branch in person. This is not allowed under equal credit opportunities act. They are denying my right to apply based on my EIN number having XXXX at the end.
Consumer complaint received 2024-01-08
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)

Dear XXXX, XXXX, Equifax I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : PLEASE UPDATE MY NAME TO : XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/1995 MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. PLEASE REMOVE ANY OTHER PERSONAL INFORMATION YOU ARE CURRENTLY REPORTING AS THEY ARE NOT ACCURATE. PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. Please send me a new report when you are completed so I may continue to verify its accuracy. Best Regards, XXXX XXXX
Consumer complaint received 2024-04-02
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. (WA)

My name is XXXX XXXX. I tried disputing an inaccuracy on my Experian credit report, from a company : XXXX XXXX XXXX XXXX, multiple times, to no avail. I've never heard of this company, it's a fraudulent account which I expressed to them in XXXX and XXXX. Yet, rather than doing a thorough investigation, removing this incorrect information from my credit report, it remained on my report, which is a violation of the Fair Credit Reporting Act Sections ; XXXX. My credit file shows this account was opened on XX/XX/XXXX, with a balance of {$3100.00}, and updated on XX/XX/XXXX. 

In each of my disputes l 've asked them to provide proof that this is my account, which they never responded. Their only response was updating the status of this account on my Experian credit report to a closed Charge-Off. This is false reporting, which is a violation of the Fair Credit Reporting Act Sections : XXXX also XXXX. Due to this falsely remaining on my Experian credit report, years ago, I included a statement on my credit report that I have no knowledge of this account. 

I'm once again asking that XXXX provide feedback and proof of a thorough investigation regarding this matter, removing this fraudulent information from my Experian credit file.