davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/2023, the Citi fraud area called me around XXXX in the XXXX to ask me if I was the one trying to withdraw money at a branch. I told them that it wasn't me, since I was at the airport leaving on vacation to XXXX. Since it was not me, the account was blocked to then investigate the {$3500.00} USD that had been withdrawn the day before, at a branch in XXXX Florida. 

When they spoke to me, I entered my electronic banking and I realized that what they had done was deposit a check in the branch, in my name, for the amount of {$4200.00} USD and 10 minutes later, at the branch, withdraw {$3500.00} USD. Since they were not allowed to withdraw the entire amount, they waited until the next day to try to withdraw the rest, and that was when they flagged me to report the fraud. 

On XX/XX/XXXX, the check bounced, so the funds were removed from my account, and I was {$3500.00} USD down. 

Since the blocking was done at the branch and I was outside the XXXX, the account remained blocked until XX/XX/XXXX when I returned to the XXXX. 
While at the Branch, the account executive told me that my case was already closed, which did not make sense since the {$3500.00} USD had not been returned. Therefore, the executive reopened my case and asked me to wait a few days. 

Days later, there was a letter from Citi asking me to sign a document ( affidavit ) saying that I had not been the one who had gone to the branch to withdraw the money. I signed and sent that paper to Texas. 

Afterwards, in calls with the fraud department, I figured out which branch ( es ) the fraud had taken place. 

I went to the branch and talked to the branch manager. She helped me by understanding how the fraud happened. Someone knew my PIN for my debit account, and with a false Drivers license, the bank gave them the money ( no debit card needed with these two requirements ). When they tried for a second time the next day, in another branch, the branch realized it was fraud, and thats when they called me to block my account.

She has been trying to help me with explanatory emails on how the fraud happened, and even with those emails, my case has been closed and reopened around three-four times.

The branch manager suggested I go to the police and open a fraud report, which I did. 

The reason Citi says the claim is denied, is because someone knew my PIN. 

Almost 8 months after the incident happened, I still have not received the {$3500.00} USD and this is why I am asking for your help to see what can be done
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

I have a login with Experian and had in the past placed a credit freeze on my account. I tried to log in to ensure that the freeze was still active, but my login credentials did not work. I tried the password retrieval process and it did not recognize my cell number ( which has not changed ) as the number for my account. When I tried the " Let 's try another way '' option it never sent me a code to use ( tried multiple times, cleared browsing history and tried again ). I tried to call customer support multiple times on multiple days, but could only reach an automated system which offers only the snail mail option with no ability to speak to an agent. I am not going to put a copy of my DL, my SSN, and two other forms of ID in the mail!!! 
Experian, like all the credit bureaus, uses my data to make money through a coercive system which mandates that you allow this if you want to have credit, therefore they should be held accountable to maintain a system which works and has personnel to provide support when it doesn't.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-30
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: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

XXXX XXXXXXXX XXXX  as the XXXX XXXX is to ensure maximum possible accuracy is being followed by law. If the credit reporting agencies after several attempts is not correcting the reporting then the FCRA act isnt being followed. I keep providing monthly screenshots of errors and inaccuracies from my recent credit reports and your response on the CFPB is to continue to notify the credit reporting agencies to correct the matters which they are not correcting and are responding the information is verified. There are STRICT GUIDELINES that XXXX XXXX following as the DATA FURNISHER you cant keep blaming the credit reporting agencies! This isnt how the LAW WORKS. The tradelines need to be removed from reporting or monetary damages need to be paid for the injurious damage to my credit report. Here are this month screenshots of the continuous damage being done to my credit. This is now my fifth request through the CFPB to correct these matters.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My credit report from Transunion and XXXX is not showing my credit accounts at all so every time I try to get to them they shift the blame to creditors and when I contact the creditors they send me back to credit bureau
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files since XX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXXthey were deleted from my files stating they could not verify the status of my loan from XXXX XXXX. I contacted XXXX XXXX onXX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.
Consumer complaint received 2023-09-25
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (VA)

I am writing to formally complain about the harassment I have experienced from XXXX regarding a debt collection issue. Since XX/XX/year>, I have received XXXX emails from XXXX at various times of the day, including as early as XXXX XXXX 

Despite sending a letter on XX/XX/year>, requesting that XXXX stop contacting me and validate the debt, I have not received any response. This ongoing email harassment has caused me significant stress and disruption. 

I request that XXXX immediately cease all email communications with me and provide validation of the debt as requested. Please acknowledge this complaint and provide a resolution within XXXX  days. 

Thank you for addressing this matter promptly.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have had to Pay numerous overdraft and insufficient funds fees on Two separate 360 checking accounts at Capital One bank do to Capital One paying out transactions That were not approved by me after having told them do not pay anyone or company If the funds are not available prior to the transaction! Ive told this on several occasions. I even have overdraft protection and auto decline selected and enabled the whole time from the beginning on both accounts. The second account opened because the first account was having this problem so the second one that was set up they did the same thing and after paying for so many times when I am enrolled in the auto decline option! Which they later upgraded their system in XXXX because Their Auto decline transaction feature clearly wasnt Functioning as it should! Which the system then updated and automatically enrolled me into the new software option, No fee overdraft protection which is what is being currently offered at this time! And I have screenshots of it from way back in XXXX and XXXX showing that I was Enrolled then, and Im still enrolled in the new software as well yet still Charged Overdraft fees that I had to pay because of their malfunctioning System this is not the first time Ill include the screenshots of both enrollments In the old software and the current software which Im still enrolled in to this day, and there are negative balances on these accounts, and they already know, they owe Me back all those fees that I should not Have paid! In addition to having set up the account with the representative on the line walking me through it to make sure the second account was enrolled as well so that I didnt make any mistakes or get it wrong or any excuses Later down the road which here we are!
Consumer complaint received 2023-12-13
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)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX  Account Number : XXXX Please update payment status to current. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 


Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

On Tuesday XX/XX/XXXX, I logged in to my account to check my account so I could do a wire with XXXX like I always do and I noticed XXXX dollars was taken out of my account via a check. The odd part is I never received my checks and had previously contacted XXXX XXXX  company about them. Apparently they never put tracking on them and can't even verify where my checks went or who signed for them! My checks were stolen and someone took out XXXX from my account and they were able to cash it out without any security alert at my bank, call, or text which I find extremely odd! I use PNC Business Banking but after this issue I am reconsidering going to another bank!! I was told on XX/XX/XXXX to go to the bank and fill out an affidavit form and the bank would notarize it and send in and I would get the credit for my funds within 10 days while they process the fraud claim. TILL DATE, no one has been able to give me correct information, I still don't have the affidavit and I don't see how my bank is helping me solve this fraud issue! Everyone is saying different information and I would like this issue solved as soon as possible because I need to pay invoices billed to my business ASAP!!!!
Consumer complaint received 2023-04-28
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. (NC)

I have been disputing fraud INQUIRIES on my credit report. The Equifax bureau seems to ignore the trend and let these fraudulent INQUIRIES affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the INQUIRIES claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the INQUIRIES immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (KS)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-13
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)

XXXX, XXXX, and Equifax continue to record XXXX  XXXX  on my credit report even after a letter I sent to XXXX  opting out on XX/XX/2023. My option to opt-out follows 12 CFR 1016.7 Form of opt-out notice to consumers ; opt-out methods.

( a ) ( 1 ) Form of opt-out notice. If you are required to provide an opt-out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt-out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt-out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602a " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' XX/XX/20XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX Dear XXXX XXXX Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. This is effective immediately and indefinitely. 
Thank you, With my signature.
Consumer complaint received 2018-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC (NY)

In XX/XX/2016 I applied for a new auto loan on a used car, having gone through divorce and financial issues my credit was not all that great. I went to XXXX XXXX in XX/XX/2016 and got a car, I signed the loan paper work and was expecting a high interest rate but not nearly as horrible as what they gave me. Ny state usury laws set max interest at 16 % but the car loan has exceeded that and is currently at 21 % interest which violates NY law and invalidates my loan. There are many other customers who are like me who are being charged over 20 % interest on car loans and ontop of the bad loans they are dealing out they are very rude and hostile when you are 1 day late on a loan, an when your late on your loan they call a reference from your loan paper work and disclose your status of being late on your loan. And for making payments they are not applying the full amount of your payment to your loan so when you think you are paying it off like normal they are shaving {$100.00} or more off your payment amount on your loan balance.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Hello, my name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX XXXX I am writing this complaint because Equifax , Inc. is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Equifax credit file of XXXX XXXX XXXX XXXX Consumer.