davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (WA)

I was supposed to close on a real estate transaction. I called Citibank to see if I could initiate the wire transfer for my down payment over the phone. Given the size of the downpayment, it did not seem likely it would go through online. I was told that there was no way to do this on the phone, but that I would have to use their app. 

Per their guidance, I submitted the transfer for $ XXXX dollars on the app. I then left my phone for a moment, and when I returned, I had missed a call from Citibank 's fraud department. The messaged asked me to contact their fraud department to confirm the authenticity of the transaction. 

I attempted to call back the number they provided - to no avail. I would sit on hold for 15 minutes, then the line would cut off, and I would have to call all over again and sit in line. I tried any and every number I could find ; but all of them ended in this dead end of a long hold time that would eventually just terminate.

After THREE HOURS of holding, re-dialing, holding again, etc, I was finally able to get through to someone, who then informed me the wire transfer had been canceled, and I would have to start over again. 

So, I started the wire transfer process again. I received no phone call from them to verify or confirm. It has been six hours since I initiated the 2nd transfer. The hundreds of thousands of dollars have left my account, but are in a " hold ''. I called again and when I finally got in touch with someone, they told me it was under review, and there was nothing they could do. 24-48 hours. 

It is likely that I will now miss my closing date because of the neglect of Citibank. I lost my entire work day sitting on hold. I still have no idea what is happening with my funds, and there is NO ONE to talk to. This is paramount to fraud, and I intend on closing my account as soon as I can get this sorted out.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

This information is under my name and is causing me harm. I need it removed from my history. 


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 2024-01-23
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. (OH)

I am re submitting my complaints because I fail to list the accounts with account number. But its been over 40 days since Ive sent in dispute letters too all 3 credit bureaus XXXX, Equifax, and XXXX. I've been hung up on and mistreated unfairly and There has been no changes to my report and I am fully aware of my consumer rights. once again According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
I am also aware of the following : 15 USC 1681 section 604a 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$3900.00} -XXXX XXXX XXXX Balance {$3000.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance {$740.00} -XXXX XXXX  XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$600.00} -XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} -XXXX  XXXX XXXX Balance {$1900.00} These are the following companies and accounts numbers for Equifax : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4900.00} -XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX  XXXX These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX  XXXX Balance {$3000.00} -XXXX XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} -XXXX XXXX XXXX XXXXBalance {$12000.00} XXXXXXXX XXXX  XXXX Balance {$850.00} XXXX XXXX XXXX Balance {$560.00} -XXXX  XXXX {$3700.00}
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

My credit card usage is incorrect and has been for months. Its showing I have {$130.00} balance which I do not. The balance has been XXXX since XXXX XXXX  if I were to miss a payment it would be immediately reported. So my payments made on time should be as well. It looks like Im using much more of my credit limit than I actually am. Its negatively affecting my credit score. It has not been reported since XX/XX/2022. Ive been afraid to use the card again.
Consumer complaint received 2022-12-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lendmark Financial Services (OH)

Under public records the following are still reporting on my credit report when the accounts are too old and should be removed off my credit report. 
XXXX XXXX XXXX  settlement accepted date XX/XX/XXXX XXXX card services settlement accepted XX/XX/XXXX XXXX  financial services settlement accepted XX/XX/XXXX XXXX
Consumer complaint received 2024-01-23
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. (OH)

I am re submitting my complaints because I fail to list the accounts with account number. But its been over 40 days since Ive sent in dispute letters too all 3 credit bureaus XXXX, Equifax, and XXXX. I've been hung up on and mistreated unfairly and There has been no changes to my report and I am fully aware of my consumer rights. once again According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

I am also aware of the following : 15 USC 1681 section 604a 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

These are the following companies and accounts numbers for XXXX : XXXXXXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX  XXXX Balance {$3000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance {$740.00} -XXXX XXXX XXXX XXXX {$560.00} -XXXX XXXX XXXX XXXX Balance {$3700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$600.00} -XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX Balance {$1900.00} These are the following companies and accounts numbers for Equifax : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$4900.00} -XXXX XXXX XXXX Balance {$2400.00} -XXXX XXXXXXXX  XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$0.00} -XXXX XXXX  XXXX Balance {$2400.00} -XXXX XXXX  XXXX Balance {$3000.00} -XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXBalance {$12000.00} XXXXXXXX XXXX XXXX Balance {$850.00} XXXX XXXX XXXX Balance {$560.00} -XXXX XXXXXXXX {$3700.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I've contacted the credit reporting agencies several times in regard to charge-off being reported on my consumer profile. The account with XXXX XXXX XXXX reached charged-off status and the lender cancelled and forgave the debt. The debt was filed on the lenders taxes as a tax write off. This is not a disputable debt because INCOME CAN NOT be reported on a consumer 's profile. Each bureau has the responsibility of reporting maximum accuracy per 15 USC 1681 ( E ) B. I contacted each agency XXXX and XX/XX/2023 to resolve the issue. I contacted the lender to provide documentation that has also been submitted to credit bureaus and the account is still reporting inaccurately on my profile, which is further violating the FCRA.
Consumer complaint received 2024-03-19
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. (NY)

Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by XXXX XXXX  on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

XXXX XXXX XXXX actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by XXXX XXXX may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the XXXX requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. XXXX XXXX XXXX unauthorized sharing of my information may breach the XXXX 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by XXXXXXXX XXXX and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect XXXXXXXX XXXX to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

Sincerely, XXXX
Consumer complaint received 2022-10-17
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. (NJ)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CO)

I am an old man using computers since inception ..... 

NEVER had a problem I couldnt work through. 

AMEX Bluebird has SERIOUS problems with their systems which make it VERY difficult to get access to statements online!!!!! 

I DEMAND ACCESS TO MY STATEMENTS, forget your password their system wont allow you to RESET!!! 

SERIOUS problems with their system!
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus last XX/XX/2022. I discovered that some of the information being reported by some accounts on my credit report are incorrect when I reviewed it. The FCRA 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 Balance Owed : {$24000.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX These accounts are reporting erroneous information and I want the Credit Bureaus to correct these accounts.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023, I was shopping at XXXX and asked if I wanted 35 % off for joining the XXXX  program at checkout. As a XXXX XXXX I said yes, part way through I realized it was for a credit card, not a XXXX  program, I figured out once it was requesting approval for a credit card inquiry. I immediately stopped filling out the information and requested the cashier cancel that immediately she said she would push some buttons on her screen then reached over and ended up hitting accept on the customer pad I was using to fill in the information. One week later I received a letter requesting income information and that an inquiry had been made for my request of a XXXX credit card which I never authorized or wanted. I have called 3 times, the first time the support agent said they would request it be removed from the credit bureaus, the second time the same thing happened, the third time they first said they couldn't find my credit pull, and application after XXXX minutes they found it then said they would put in a request to remove it XXXX week later I received a letter claiming the authorization and request for the credit card was valid. I believe the last one obviously on their system it would look valid. Still, all of the agents failed to understand I was not the one to hit authorize, that the cashier had tricked me by saying rewards instead of credit card then reached over and pressed authorize on my behalf while I was requesting she cancel it.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was just going over my file I saw a few addresses that do not belong to me on my credit report. I was looking into getting a Government XXXX when I noticed the errors in my personal information. My address is XXXX XXXX XXXX XXXX XXXX OH, XXXX. I have been at this for over 5 years. The following addresses do not belong to me. I XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Consumer complaint received 2024-01-23
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)

I have been disputing this account since XX/XX/2023 and the Credit Bureau keeps sending it back as verified when in fact it is not verifiable the name and information that is on the contract do not belong to me. I was able to retrieve the contract through the CFPB and the information on the contract is not mine but the bureau and said it was verified which impossible because its not my information. I also was questioning the reporting history and payment status on my credit profile that I pointed out to the bureaus that is in violation because it say the account was sold to collections and charged off but still reporting as open and reporting late payments on my credit report.I mailed out to the bureaus a FTC report and a dispute letter exercising my rights also the contract and a copy of the communication between me and XXXX XXXX and the CFPB which in that communication was XXXX XXXX saying that the credit Bureaus are the ones that put the information on my credit report. 
I mailed them all the documents and requested for them to delete and block the company XXXX XXXX but instead they sent the information back to the company for them to verify again, and I have zero confidence that the company will be honest because they have already violated my consumer rights and verified a unverifiable account even after I provided them a copy of the contract that don't have my information listed on it and I added my FTC report along with supporting documents as well and they said my FTC report is incomplete which is false. XXXX has already deleted the fraudulent account from my profile and I am having a hard time for Equifax and XXXX to follow the law. 
15 Us code 1681c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than 4 days of receipt.

It has been 30 days and you are in violation of this Law because I am a victim of identity theft. 
I also was affected the Equifax Data breach.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once.