davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

On XX/XX/2022 I opened a checking account online with Citibank. I transferred {$10000.00} from my XXXX XXXX XXXX account to fund this new account. I attempted to withdraw some funds from this account in the first week of XXXX, 2022 and was denied. I wrote a check to my XXXX XXXX bank account for {$1000.00} and the check was returned ( I was charged a return fee by my financial institution ). I contacted Citibank and was referred to the Fraud Department. A customer service rep informed me that my account was frozen, pending a " fraud investigation '' but would not give me any further details. On XX/XX/2022 " XXXX '' called me from the Citi XXXX XXXX XXXX to inform me that my account was closed and that I should receive a refund for my initial deposit ( {$10000.00} ) within two business weeks to the address listed on my account. She refused to give me any details as to why my account had been closed. On XX/XX/2022, I called the Citi XXXX XXXX XXXX to inquire about my deposit refund- as I had not received it yet. " XXXX '' informed me that he would look into it and respond to me by XX/XX/2022. Citi has had my deposit for more than 5 months and has not allowed me access to it, and has refused to return it to me.
Consumer complaint received 2022-05-25
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: Kikoff Inc. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX kickoff, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX ) XXXX,
Consumer complaint received 2019-07-31
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. (TN)

The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   and XXXX
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (RI)

I received my XXXX report and noticed alot of inquiries I didn't authorize nor did I get any accounts with these inquiries.1 ) XXXX   XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX   XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX    XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8 ) factor trust   XX/XX/XXXX, XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 10 ) XXXX XX/XX/XXXX, XX/XX/XXXX 11 ) Factor trust XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 12 )  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I did not give permission for these places to pull my credit report. According to the fair credit reporting act section 604 these inquiries are not allowed and should be removed. as they do not have my signature or permission.
Consumer complaint received 2023-10-16
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. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-05-25
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. (LA)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

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

XXXX XXXX XXXX Balance : {$5300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$540.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 

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

XXXX XXXX XXXX Balance : {$5300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$540.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

hello, and how are you? There is no way that these companies investigated this insurance or utility collection on my credit report. The same information continues to report on my credit. I honestly don't believe I owed this or original company any money and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last original company. How is that possible? For example, Each bureau reports that I was late on different dates, each bureau reports different balance, inconsistent with open dates. I thought a collection account is by default late or past due and it can not be reported as such. It's actually illegally re-aging the account and that's a simple violation itself.
Consumer complaint received 2019-06-13
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)

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX XXXX XXXX
Consumer complaint received 2024-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am very dissatisfied with XXXX and transition with their lack of attentiveness to dissolve the unauthorized hard inquiries on my report. I typically monitor my XXXX, and come to find out all this unauthorized hard inquiries and even expired inquiries are still reflected on my report. This is a terrible service and this has hurt my credibility to lenders. 

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. 

HARD INQUIRIES AS REPORTED ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


HARD INQUIRIES AS REPORTED ON TRANSUNION : XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

These hard inquiries are a violation of my privacy and outdated. This is a violation of my FAIR CREDIT REPORTING ACT. 
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 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (GA)

On XX/XX/2022 I was provided with a letter stating my loans are paid in full. After months of monitoring my credit report, Fedloan servicing has continuously updated my account after every dispute as if it is in good standing when in all actuality it is paid in full. The current status is Open/Never late. Deferred, payments begin XX/XX/2022 but this is incorrect.
Consumer complaint received 2016-02-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has stolen {$270.00} from my business checking account in the terms of XXXX {$35.00} overdraft fees and XXXX {$12.00} overdraft fees and {$70.00} from personal checking account ... I never signed up for OD protection. 

Due to, what I believe to be an error by Arizona they levied my account and brought it to a balance of XXXX and the XXXX number Wells fArgo provided to handle the issue never had anyone pick up leaving me to use the internal messaging system. 

They saw that I, a XXXX XXXX Veteran XXXX XXXX XXXX XXXX who is XXXX ( from Arizona of course ), was in a tough spot financially and they took advantage by not responding to my messages with anything but " copy and paste '' responses asking me to call the line that never worked. 

I demand they return the {$270.00} immediately and also return the {$120.00} fee they charged me to have money withdrawed. 

XX/XX/XXXX XXXX withdrawal caused a {$35.00} fee XX/XX/XXXX a XXXX withdrawal caused ANOTHER {$35.00} fee On XX/XX/XXXX and XX/XX/XXXX they hit me {$35.00} both dates for the same {$250.00} attempt. 

This is unacceptable and I would like this to be documented formally so I may take additional legal action XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, among others.
Consumer complaint received 2022-05-25
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. (GA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-12-17
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. (TX)

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 be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX  XXXX  XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXXBalance Owed : XXXX XXXX XXXX Balance Owed : XXXX
Consumer complaint received 2024-03-10
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. (DC)

In pursuant to 15 USC 1681 Accuracy and fairness of credit reporting XXXX XXXX XXXX has violated my right by reporting inaccurate opening date and inaccurate last reporting date. These violations has caused me significant damages to my financial aspect of life. 
Attached is an exhibit of the committed violations.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid 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. (MA)

it is a trio involved - master card which was linked to joint account with my husband for autopay and somehow XXXX. my husband was very sick and primary holder of credit cards and all credit cards were done as atopay from XXXX XXXX XXXX XXXX XXXX XXXX checking account where our SS goes and my husbands pension from XXXX. my husband passed away on XX/XX/XXXX, and i discovered a lot of weird charges- for instance : some digital XXXX account, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. since XXXX every month was autopay from bank more then XXXX - only for 4-5 months around {$10000.00}. i called to master credit card to close the account and disputed some charges, they supposed to send me a letter, it did not happened and i discovered today that XXXX disconnected my phone and my husbands phone, so now i can not to get to my account to see what's going on, and what's going on with SS. it is also about my husbands XXXX retairement plans his SS and everything by phone, i am completely devastated all this situation and don't know who to believe to? please help to find out the truth i hope it is not related to the fact, that our family are russians and we treated in this country as nothing, even we are citizens of USA for 20 years and earned our money honest way and we believed in government, and law and we were sure that government by law and order protects their citizens and cares about human beings rights. i hope human beings exist in the government and will hear me. i am not tired to pray to God, but it seems to me no-one wants to hear even word God. thank you for your consideration, honestly i don't believe someone will take it seriously and will help. it feels like a world theater with greedy gambling on alive human beings.
Consumer complaint received 2020-09-24
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 Company XXXX XXXX XXXX XXXX hasn't provided me with a HIPPA release this is a violation of the FDCPA and the FCRA simply because this company ( XXXX ) is a third party entity whom shouldn't even have records of my medical records. They should have included a HIPPA release with my signature on it. Which they didn't. 

I disputed this directly with Equifax in which they out right refused to correct!
Consumer complaint received 2019-11-24
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: EQUIFAX, INC. (AR)

Hello, IT has now been over 30 days. And I have not heard from you. 

This is a second notice please see ( Disputed on XXXX XXXX ) The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 

XXXX XXXX XX/XX/2018 XXXX  XXXX XXXX  XXXX XX/XX/201XXXX XXXX
Consumer complaint received 2022-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo had agreed to a special forbearance agreement in XX/XX/2010. We made the required payments as per agreement but then Wells Fargo declined our loan modification. We sold our home in a short sale so they would not foreclose on us.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 
15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

I also ask for a re-investigation and according to the term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
The credit agency has violated my rights to a proper investigation.