davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (PA)

I am writing to express my deep concern and frustration regarding an unfortunate incident involving my Citibank account. On XX/XX/2023, I accepted what seemed to be a legitimate job offer from a company called Pharmscript Saga. I received a check for {$23000.00}, which I promptly deposited into my Citibank checking account. 

To my dismay, subsequent events unfolded in a manner that has left me in financial distress. Despite being assured by Citibank that the funds were secure, I discovered on XX/XX/2023, that a negative balance of - {$15000.00} had appeared in my checking account, as the initially cleared funds of {$18000.00} were unexpectedly denied. 

Multiple calls to Citibank seeking clarification did not yield a satisfactory resolution. The timeline attached outlines the events, including a wire transfer of {$16000.00} to an account associated with the scam. Additionally, a letter dated XX/XX/2023, from Citibank indicates that the check of {$23000.00} deposited on XX/XX/2023, is likely to be returned unpaid. 

This entire ordeal has caused me considerable distress and financial hardship. While I understand the complexities of fraud prevention, my experience with Citibank has been disheartening. I kindly request a thorough investigation into this matter and appropriate action to prevent similar incidents in the future. 

I appreciate your prompt attention to this issue and look forward to a resolution.
Consumer complaint received 2022-05-17
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. (GA)

I have been attempting to correct unknown things on my credit report since XXXX, 2021 but i have not received a response or deletion of these things. I feel this is VERY unfair and I am being taken advantage of by having my disputes ignored. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove these items from my consumer credit report. As it has been well over 60 days these items should have been deleted. I DEMAND these accounts be deleted immediately or I WILL file for litigation due to the stress you have now caused me. My information was also impacted by the XXXX data breach and may got into the hands of another person.
Consumer complaint received 2016-12-02
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A. (MI)

I made an online inquiry about payday loans. I was contacted by a person named XXXX XXXX. After processing my application on the phone and verifying my credit history, XXXX informed me that due to my credit score, I would have to pay for insurance in the amount of $ XXXX usd. His supervisor sent a loan confirmation letter with " PNC BANK '' listed on the letter head. When I agreed to the loan amount, he then asked me to purchase an " XXXX '' card to pay for the insurance. I refused. He then asked me to got to a money gram. I refused. Instead I contacted PNC XXXX XXXX XXXX XXXX program to inquire about this method. PNC has confirmed that they do not have a program that offers insurance for installment loans, and that they do not require insurances on the loans as they are FDIC insured.
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Walla Walla (WA)

We were forced to move out of our rental in XXXX of 2021 due to Covid and had to get into a cheaper rental. The entire month we left notice, we were hounded to move out and ended up not even using the the whole month. The last 2 weeks, we got XXXX and had to quarantine and were unable to finish moving out. The company XXXX XXXX XXXX threw all of our stuff away and then we never heard from them again. We checked our credit report last month and found that XXXX XXXX XXXX XXXX has a collection account for XXXX XXXX XXXX for an amount over {$4000.00}. Weve never received any type of paperwork at all. Weve dealt with XXXX XXXX XXXX XXXX in the past. They have tormented us, as well as family members and friends who have accounts in their hands. They make it IMPOSSIBLE to resolve any issues, and will NOT take payment plans or anything like that! We CAN NOT deal with them because we feel like they will retaliate against us just like they did in the past. They make it impossible to get the important paperwork that we need. We dont know what else to do. We would be able to work with any other debt collector who got that account, but we can not deal with them.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, Federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Reliant Capital Solutions, LLC (OH)

I was contacted by phone, when I returned call to XXXX XXXX ext XXXX. She stated it was a debt for XXXX XXXX XXXX, I stated we just paid {$67.00} towards it and owe XXXX XXXX dollars, could I have information about this debt? XXXX the stated " Well XXXX we 'll just ruin your credit! '' then she hung up me. 
I am a XXXX year old XXXX and this is n't my first medical bill. 
These people should be ashamed and not allowed to harass people, what if I was elderly, and she talked to me this way? 
This company needs to be reprimanded.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (WI)

In early XXXX of this year, Aspire Credit card company took a payment for over {$1800.00} dollars from my checking account, days after the payment date. I did not authorize this payment and it was not to be taken out until the next regular payment date on XX/XX/XXXX. I contacted the company repeatedly about a refund. They kept telling me the refund was going to be sent within days of the withdrawl. Then it was sent on XX/XX/XXXX. Then it was sent on XX/XX/XXXX. As of today, I have NOT received my money they owe me. I contacted them again today and now they say I have to wait until XX/XX/XXXX to receive it. If I don't receive it, they will reissue and I will be waiting another 20 days for the refund to even be sent.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (TN)

Requested a copy of my consumer file. Proof of my identity was sent. ( Utility bill, Copy of SSN and DL ). Did not receive my consumer file but a letter stating " Unable to Process request "
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # 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 2022-12-22
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. (PA)

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


15. USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Incorrect addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect information on my report. 

XXXX XXXX XXXX XXXX GA XXXX is not my address. 

Also inquiries are reporting on my report that I dont recognize XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (NC)

I am highly upset! Grain has ruined my credit on an account I paid off XX/XX/2022. I have not used my account since I paid it off and I was current at the time! All my statements have a XXXX balance! This account was not charged off! I made all my payments! Please fix my credit! This is absolutely ridiculous that you ruin people credit with fake reporting! I have reached out to Grain and they said they are investigating but nothing has happened! I have attached all my supporting documents!!
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, 2015 I reported XXXX false addresses that appeared on my deceased mother 's ( XXXX XXXX XXXX ) credit report. I wish to have these XXXX addresses removed. 
Former XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX of Deceased Consumer
Consumer complaint received 2023-10-23
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. (FL)

I sent a letter on XX/XX/2023 to XXXX, XXXX, and Equifax the following through XXXX XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S Code 1681a- Definitions ; rules of construction.

The term " investigative consumer reports '' 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 whom she/ 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke with and how did they conduct the investigation.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

It is apparent that ( according to the enclosed report ) these companies are very unreliable when it comes to reporting my data accurately. All of these errors are on my credit reports and should be updated. 
Please also note that XXXX and Equifax show that I have a 30 day late payment when XXXX is showing two. However, I am certain that I made ALL my payments on-time.
Consumer complaint received 2022-10-14
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. (CA)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$2100.00} ; XXXXF XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit beaurus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

Without my permission or knowledge, on XX/XX/2023, Kay XXXX and Comenity Bank checked my credit, then opened a credit card in my name, sending me a letter dated XX/XX/2023. 

When I tried to report the fraud, the Comenity Bank person insisted on me providing additional personal information to identify myself as a condition of closing the account. When I refused to add personal information, the " fraud department '' person hung up on me. Clearly they are part of this. 

I want the account closed, and the fraud reported. Thank you.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies Experian, XXXX, and XXXX are mandated to conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I assert my rights supported by 15 USC 6801, which underscores Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Experian, XXXX, and XXXX, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), Experian, XXXX, and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and Experian are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. Experian, XXXX, and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of there reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Consumer complaint received 2023-10-23
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. (TX)

This letter is written to address issues with the accuracy of information in a recent credit report. A thorough examination of the report revealed several contradictions that demand further investigation. 

I am knowledgeable about the specifics of the Fair Credit Reporting Act because I practice careful consumer behavior. This law enables individuals to challenge and request changes to any inaccurate information on their credit reports. 

Due to familiarity with the Fair Trade Commission 's ( FTC ) guidelines, these errors in the credit report raise concerns. These errors are a chance for me to verify what I know about how credit reporting functions and, more importantly, how effective the laws that control it are, even though I didn't anticipate them. 

I am aware that consumers have the right to contest the veracity of their credit reports under the Fair Credit Reporting Act. The FTC is responsible for enforcing this federal law, which has safeguards to protect our interests and ensure that information about credit is presented accurately and fairly. 

I'm currently making use of this right to challenge the FCRA violations because these problems demand further investigation. Given that it improves their capacity to monitor and maintain their financial health, this law is extremely valuable to consumers. 

I'm hoping for a satisfactory and swift resolution in accordance with these regulations in light of this. Not only will prompt action be advantageous, but it will also highlight the significance and value of these consumer protection laws.
Consumer complaint received 2022-10-14
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 XXXX XXXX XXXX XXXX XXXX