davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: ACIMA CREDIT, LLC (CT)

ACIMA DIGITAL FKA SIMP lease with account # XXXX and a balance of {$3100.00}. 

This account is a charge off account and is no longer active on the creditor books, ACIMA DIGITAL FKA SIMP lease is reporting a active balance to the credit bureau and decline my request for a 1099-C form, creating damages to me an my family credibility intentionally the IRS laws stated that charged off account should be reported as GROSS INCOME, ACIMA DIGITAL FKA SIMP lease is reporting incorrect information to the consumer reporting agencies which is a volition of consumer rights.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

I have been working on this inaccurate information on my account for how many months now. This WELLS FARGO BANK with the account number XXXX is reporting 100 % inaccurate. This account is paid in full and was never late. According to the provisions outlined in 15 USC 1666B, I believe these discrepancies constitute billing errors. It's important to note that I have consistently paid this account as agreed and on time. Therefore, the presence of these errors is concerning and appears to be in violation of regulatory standards. I have observed discrepancies in the reported balances and dates associated with this account.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (DC)

I have tried endlessly to speak with a human on multiple occasions to contest the XXXX inquiries that have adversely impacted my XXXX score on multiple occasions, the most recent being XX/XX/XXXX decrease of XXXX points and I am going to report XXXX to my politician, local news, XXXX the White House, CFPB, and whoever else I have to until they repair my credit score for these two instances. I was the victim of identity theft which is why I have a fraud alert on my credit report and on top of that original injustice I am now repeatedly adversely affected when I try to take out credit cards from aggressive yet uninformed salespeople ( Macys XXXXXX/XX/XXXX and XXXX XXXX Citi Credit Card in XXXX ). I want to take out a mortgage for the first time in my life next year and XXXX will cost me tens of thousands of dollars in my interest rate after hard fought work to improve my credit score. As a slap in the face, there is nobody to talk to or even email concerns - rather a XXXX  designed to obfuscate. XXXX must be held accountable and justice will be served against them and to increase my credit score and hold them accountable in their policies and customer experience.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE BLNK THAT NEEDS TO BE FIXED.
Consumer complaint received 2024-10-22
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX XXXXXXXX Balance : {$57000.00} XXXX XXXX Balance : {$62.00} XXXX XXXX XXXXXXXX Balance : {$35000.00}
Consumer complaint received 2024-04-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong 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 2022-11-08
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. (CA)

Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals. I sent Bureaus letters but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Under FCRA 605B, it's imperative to expunge any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the listed accounts exhibit inaccuracies in their reporting and necessitate immediate removal.
Consumer complaint received 2024-10-19
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. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-15
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)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting.

Account Number : XXXX  Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-04-16
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (TX)

A credit enquiry appeared on my report that was fraudulent. The enquiry was from XXXX XXXXXXXX XXXX whom I have never had any dealing with. I contacted XXXX XXXX who told me that I had to contact the credit bureau. I contacted the credit bureau, Experian, and filed a dispute. Earlier in the year I had several enquiries that I needed to have reversed due to fraud, and therefore I had frozen my account. Subsequently I have had nearly 100 'soft ' enquiries. 
I filed the dispute, and this was rejected within a couple of hours. The fraudulent enquiry remains on my report. 
No-one from Experian or XXXX XXXX reached out to me for any further information.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX there were a card open in my name fraudulently for the amount of XXXX I didnt authorize this card. I have send documentation to JPMCD as this is showing on my credit report.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I recently opened a new Chase XXXX account. Once it was open, using its mobile app, I made a mobile deposit of a {$7000.00} check. The mobile app said the funds would be available in XXXX business days. I made this deposit on XX/XX/year>. Shortly after I made the deposit, the funds were put on hold by Chase until XX/XX/year>. I called Chase to find out why the funds were being held when the app clearly stated the funds would be available in XXXX business days. They gave me no justification other than that it was a new account and that the contract allowed them to hold funds for any reason. I explained that I relied on the statement in the app that the funds would be available in XXXX business days. Had the app not said that, I would have not made the deposit as I needed the funds before then. They had no explanation other than that they couldn't lift the hold and couldn't reverse the transaction. They told me to have the issuing bank cancel the check. I explained that not only could I not guarantee that, but that it would also come with a fee. It took me over an hour on the phone and XXXX phone calls ( Chase hung up on me the first time ) to even get this little amount of information. It is my understanding that financial institutions must make funds available in XXXX business days unless there is good cause to hold them. There was no good cause in this case. It seems like a windfall to me because they likely have access to those funds to lend out without risk of me making a withdraw for the period they are holding them for. While this might only generate a small amount of revenue per transaction, over the course of millions of transactions, that is a significant amount of money.
Consumer complaint received 2023-11-07
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. (PA)

Best Buy card didnt use it and I didnt receive any statements on my address for more than XXXX years. XXXX sent me message saying Best Buy closed with balance XXXX $ and Im not responsible for these transactions. I tied to open my account and I found different address not my new address and didnt phone number. I tried for more than two month calling the bank but no one solve it and they ask me making a payment for something I didnt use.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

{$930.00} Open balance 08 CAPITAL ONE BANK USA N A Original creditor Portfolio Recovery has contnually reported a Captial one Bank Card on my credit file that I have not ever opened. I have been in college and this may be from when I was in high school. To this day I am still a student and my parents pay my phone bill so not sure how I have Any thing on my credit at all. I did not do this. I was a victim of multiple breeches and identity theft.
Consumer complaint received 2024-07-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (OK)

On XXXX I tried to add money to my cashapp from my XXXX account but was unable to do anything because cashapp seemed to be down. I checked later and I had been logged out, so I logged back in and it showed my account had been closed. I have not violated any terms, nor have I do XXXX anything wrong or illegal in any way After waiting XXXX hours for a response from cashapp, I was told they can not tell me why they closed my account. This can not be right.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Hello. I found a XXXX  XXXX for sale at XXXX XXXX XXXX. sometimes they call themselves XXXX XXXX XXXX. On XX/XX/year> I paid {$600.00} for this firearm. I wanted to pay with one of my business credit cards as I'm an XXXX  and this was for a customer. I tried every business credit and debit card I have, none of which went through, even though they said I could pay with my XXXX card. Finally a woman named XXXX insisted on payment through CashApp. I never received the firearm and the seller and CashApp refused to refund the payment. My bank refused to dispute the payment because it was made through CashApp. Obviously this was a scam and I lost my {$600.00}. 

Their website is https : //primerfirearmsdeals.com This is the contact information listed on that website. I believe that address is bogus and there is no such business there. The phone number is also not valid. I can't imagine how many people they have scammed. 

VISIT XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX, United States CALL US XXXX XXXX XXXX EMAIL XXXX XXXX Attached are several screenshots and communications with XXXX and CashApp. 

I asked CashApp to not allow this scam company to use CashApp to defraud people but they refused. I would like CashApp to refund the {$600.00} they withdrew from my Fairwinds account without my permission for the firearm I never received as Premier Firearms Deals or Primer Firearm Deals is a scam company. The only card linked for them to withdraw funds from at the time of the payment was my XXXX business card but they withdrew the funds from my XXXX card that I had already unlinked. 

Thank you.
Consumer complaint received 2024-07-11
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: CITIBANK, N.A. (CA)

I submitted an initial freeze on all three credit bureaus on XX/XX/XXXX. 

However, XXXX is not cooperating with my request to block these hard inquiries. I have reached out to the companies that attempted to access my credit report, but they have denied my requests. Additionally, I have been receiving mail from these companies about pre-approved credit cards. 

I have called the following companies to understand why someone is trying to access my account. I also requested that they inform the credit bureaus that I did not apply for any credit cards. Below are the companies under hard inquiries that must be removed from my XXXX Credit Report. 

XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CitiBank ( Best Buy ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Unauthorized Transactions : Transactions totaling {$19000.00} were made from your Venmo account without your knowledge or permission between XX/XX/XXXX, and XX/XX/XXXX. 

XXXX  : During the period when these transactions occurred, you were XXXX at XXXX XXXX, XXXX, which suggests that you did not have access to your account or authorize these transactions. 

XXXX and XXXX : You became aware of the unauthorized activity when you received notification from the XXXX XXXX about changes to your direct deposit. Subsequently, you contacted Venmo to freeze your accounts until your XXXX. 

Recovery Efforts : After your XXXX on XX/XX/XXXX, from XXXX to XXXX XXXX XXXX, you initiated the process of recovering your accounts and funds with Venmo. 

Legal Actions : You filed a police report with the XXXX XXXX Police Department ( Report # XXXX ), as well as reports with the Federal Trade Commission ( # XXXX ) and XXXX XXXX XXXX XXXX, to document and investigate the fraud.
Consumer complaint received 2023-05-10
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-12-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

My balance is XXXX I tried to pay it in full. Pay it off. Synchrony said my bank did not allow it. My bank said they did no such thing. I have the money in the bank so thats not the problem. I am using the same checking account that I used to pay them their monthly payments and those always went through. But now that I try to pay it off they say they can't get it through. My bank has looked several times and said they never show anytime that they even tried to process the payment. I just want to pay it off.