davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
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: EQUIFAX, INC. (IL)

I have sent 3 letters to all 3 credit bureau 's, ( XXXX, Equifax, XXXX  ), and the negative items that I have requested to have removed, still remain on my credit. They are required, under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ),  as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). They have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). I have been told that they have properly verified the accounts but I have not received any documentation with my signature on it. I've also been told by a rep at Equifax that they don't have original documentation with my signature on it because keeping paperwork like that would take up too much space.
Consumer complaint received 2022-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2022-09-10
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-02-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc. (GA)

Hi, I was a victim of identity theft resulting in 2 cars being purchased in my name. I called to inquire about this charge : PDQ Services INC ( XXXX XXXX. ) and come to find out I supposedly owe {$65.00} for a cancelled car insurance policy. I am desperately looking to close on a home and out of an attempt to get this off of my report I just went ahead and paid what I they said I owe- come to find out even though the debt is paid in full it is still going to be listen on my report. The agents name I spoke to was XXXX XXXX. I paid on XX/XX/2020. Confirmation number is XXXX and the account number associated with this collection is XXXX. I can provide identity theft police report if needed.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I do have have a Citi Bank Credit Card which i closed on XX/XX/2015 on good standing and is reported as charge-off to the credit bureau 's. So, i called all the credit bureau 's and disputed the account being charge-off as i paid all of it in good standing and closed it in a good standing with a XXXX balance  on it. 

As a result XXXX and XXXX have verified my account and they have removed the charge-off from my credit file and closed it appropriately. But, XXXX did not remove it from the credit file which is seriously affecting my credit score and daily life. 

So my XXXX scores are always being very low with a serious deliquency on the account which is causing me very serious problems in my daily life. 

There is always a great difference in my credit scores because this such as : My current XXXX Score : XXXX My current XXXX score : XXXX My current XXXX score : XXXX As you see above there is always a 100 point difference between the scores which is a serious problem for me
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Hello, I found citizens bank business checking promotion online. Please see the link. 

https : XXXX. 

Citizens bank had a promotion to open a business checking account at that time. 
earn a {$500.00} bonus, open your first new Business Advisor Checking account between XX/XX/23 and XX/XX/23 and have a minimum opening deposit of {$5000.00} post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below. Qualifying transactions include deposits made at a Citizens branch, ATM, or through the mobile app ; payments made by check or XXXX XXXX XXXX ; debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Transfers between other Citizens accounts do not qualify. 

I made an appointment at Citizens bank XXXX branch, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. The banker XXXX XXXX opened a business Advisor Ckg account for me on XX/XX/1923. 

I met all Citizens bank business checking promotion condition since then, but I still dont receive the {$500.00} bonus. 

Please investigate what happened and deposit {$500.00} to my account. 


Thanks XXXX XXXX
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$42000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} This complaint is my follow-up complaint to make sure the accounts are thoroughly investigated.
Consumer complaint received 2023-01-10
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. (MS)

This is my NUMEROUS 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
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (PA)

The following account was charged off as of XX/XX/year>. Since then the account has repeatedly been updated as a charged off every month. This is an update in te payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this is a falsely manipulates the statute of limitations.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid 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. (OH)

Citibank fraudulently closed case XXXX XXXX  by claiming a third party was involved. They new I filed the complaint, all details matched me as their customer except that I did use a different email address for the CFPB. I called citibank and I was told that they had already responded to the complaints and that they did not need my authorization. They knew about the complaints ahead of time and I have multiple recorded calls to verify that. I have recorded calls : 1 : Saying that an email address is not something used to verify the account 2 : No follow up is needed and they replied to the CFPB which is not true
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, 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. (NJ)

unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-25
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I had my card stolen and charged my card lots of charges and the sent a letter saying my funds was credited on these date XX/XX/2020 and XX/XX/2020 which have not occurred and they dont know why and cant tell me why not and say theres nothing they can do
Consumer complaint received 2024-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (TX)

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, 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 2023-03-04
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. (MI)

I am writing to dispute these fraudulent charges on my account.I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-09-10
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)

In accordance with the XXXX XXXX act XXXX XXXX XXXXccount # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NJ)

I have been paying XXXX XXXX XXXX billing faithfully every month since XX/XX/XXXX ( Bill received in XXXX with statement date of XX/XX/XXXX ). I was told in XXXX that my payments were too low ( $ XXXX/month ) so they were transferring my account to carepayment. XXXX sent me a bill on XX/XX/XXXX that was due on XX/XX/XXXX. I paid online, immediately. I logged in on XX/XX/XXXX to make my next payment and saw that my account had a negative balance and that my account was transferred back to XXXX. XXXX stated by account was recalled due to : XXXX. On XX/XX/XXXX, I received a notice from XXXX that my account was turned over to collections. I called XXXX billing on XX/XX/XXXX and was informed that my account would be sent for further inquiry and it could take up to 5 weeks to hear back from them. 
I called Credit Collection Services on XX/XX/XXXX and was informed my account was retracted by XXXX and I owed {$0.00}. I called XXXX billing to try to find out what was going on with my account and they said that it had been retracted from XXXX, but then resubmitted. I had made payments every month except for XXXX, because my account was not with XXXX at that time and transitioning to carepayment. When I called carepayment in mid-XXXX, they had not yet received my account information. As of XX/XX/XXXX, XXXX XXXX supervisor, XXXX, stated that I was back in collections. To avoid damage to my credit, I had no choice but to pay via credit card and will incur interest for having done so. I have or had 7 other medical bills and have only been able to pay so much per month as every entity requires monthly payment. I did not use my credit cards to pay all of my medical bills, because, first - I didn't have enough available credit and second - because of the interest I would accrue. Their collection methods are unethical. I paid in good faith and have not had an issue with any other medical entity that I've been paying regularly to. I felt strong-armed into paying with a credit card to avoid harm to my credit which is not the best to begin with. I've been working a long time to repair my credit.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (TX)

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$9200.00} XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

My account was hacked through XXXX and as I was told by my bank to try to get the money back from the merchant I did but they didnt help me at all. So I was told to try to get the bank to get my money back which was {$1100.00}. So I started a case with them and sent them all the information they needed. My mother is the one who sent it since she has a fax machine and keeps records of it and they confirmed they have it and they said now I just have to wait and I said ok with a relief. A month passes by I call just to see whats going on and they tell me my case has been closed and I said I never received anything back and they said I took to long to send my information and I told them I sent everything over to them and they said they couldnt find anything. And I asked what can I do now they said its to late that I took to long. This isnt fair Ive been trying to get my money back I left suntrust
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (TX)

My information was released to the public in the Equifax data breach years ago which caused someone to open up a lot of unauthorized accounts. I submitted all of my proper paperwork to the credit bureaus a year ago but the willfully ignored my disputes and continued to report and furnish these fraudulent accounts on my credit report. i need these removed immediatly becuase they are ruining my reputation with the banking system
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (TX)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

I bank with Chime and I had an scammer whom took My money {$2100.00} He first took {$100.00} and then proceeded to take another {$2000.00} transaction. He was texting me and acting as an chime representative. He told Me he had to put a freeze on My account and not to log in for 5 days. After the 3rd day of me not logging in I noticed a charge to XXXX some sort of banking service and asked the scammer what was this attempt at a money transfer? He said he blocked that attempt and now for me to wait an extra two days. I knew at this point t he was an scammer so I called chime support and asked if this person was in fact chime support. They told Me they do not ever contact people through text and advised me that my phone had an app likely which the hackers could hack into my account. They said change your password and factory reset your phone which I did. Upon logging in I noticed the funds were all gone from My account. Chime says they will file a rebuttal which takes up to 45 days after I send them evidence in the denied dispute. I can not wait 45 days for my money so I thought I would contact you guys with evidence of the fraud that occurred so you could please help me.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, 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. (FL)

I can not start any dispute in my transunion online profile. I can not place a credit freeze in my transunion online profile. I can not place a fraud alert on my transunion online profile. I can not view my credit report in my transunion online profile. I have called in to transunion many times starting XX/XX/XXXX, and XX/XX/XXXX, and other dates. I have asked them to allow me access to my online services. Each time they say they will escalate my inquiry, but to this date there is no results. I can not do anything in my online transunion profile. Please see attached the " error '' messages that I receive when I try to do any of the above.
Consumer complaint received 2024-11-20
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. (MI)

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

Account Name : XXXX XXXX Account NumberXXXX and 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 2024-06-12
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. (IL)

THE DATE YOU HAVE THIS ITEM REPORTED AS A CHARGE OFF DOESNT MATCH MY RECORDS. I REQUEST THAT YOU VERIFY THE INFORMATION AND REMOVE XXXX XXXX FROM MY CREDIT REPORT I REQUESTED FOR THEM TO SEND THE ORIGNIAL ALLEGED PROMISSORY NOTE AND ACCOUNT TRANSACTION HISTORY AND THE REQUIRED DEFUALT OR ACCELERATION NOTICES I ALSO ASKED FOR THE SALE DOCUMENT AND CALULATION OF SURPLUS OR DEFENCENY LETTER LET ALONG WITH THE FINANCE CONTRACT AND BUYERS GUIDE AND PURCHASE ORDER AND HAVE NOT RECIEVE NO PROOF IM ASKING FOR THIS TO BE REMOVED OFF MY CREDIT REPORT EFFECTIVE IMMEDIATELY DUE TO THIS BEING INVALID ON MY CREDIT REPORT AND IN VIOLATION OF THE FDCPA AND FCRA.