davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/18, I opened an account with CITIBANK for Account Package Checking/Savings. This account had a opening promotion tied to it for {$400.00} after meeting certain qualifications. These qualification include depositing {$15000.00} within 30 days of account opening and maintaning that balance for 60 days. I deposited the {$15000.00} on XX/XX/2018 and have maintained that balance ever since, up to and including today, XX/XX/XXXX.  Citi says the bonus should be posted within 90 days of account opening and I have not yet received this bonus of {$400.00}. After contacting Citibank, they refuse to acknolwedge the promotion and I get transferred from one agent to another who has no idea what the promotion is.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (SC)

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Levinbook Law Firm, P.C. (VA)

Several months ago, I went to an urgent care facility to take a XXXX test, which was required for work. I had asked the receptionist whether the test that was going to be administered was par with my insurance, and she is assured me that it was. Weeks later, I received a letter from sad establishment indicating that I had a bill in the amount of {$920.00} for the XXXX test that was taken. I was under the impression that XXXX  tests were covered by my insurance and that the testing facility that was used was par with my insurance, making it a free test. The creditor, XXXX XXXX lab was apparently, not par with my insurance and sort to charge me the above amount. They have since saw the help of legal aid by way of the The Levinbook Law Firm P.C. to collect on my supposed debt. I have told XXXX XXXX XXXX that I was unwilling to pay the debt because I was told that the insurance was par with their facility. So, I am still unwilling to pay any debt that is owed. I hope that you can help in this matter, as it has caused me great stress in my older age, and in my retirement. I have limited funds, and XXXX not in a position to pay close to {$1000.00} for a test that was supposed to be free. 

The date of service was XX/XX/2020. 

Persons to contact at the law firm are XXXX XXXX XXXX, and XXXX XXXX. They can be contacted at ( XXXX ) XXXX and toll free at ( XXXX ) XXXX
Consumer complaint received 2023-03-10
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2022, I paid off my student loans to XXXX. XXXX loan balance was {$4.00}. The second one was {$21000.00}. I paid both in full and XXXX reported the accounts as closed. As a result, my credit score dropped by XXXX point. During this same time, XXXX reported that my loan to them had been reduced by {$960.00}. I don't understand why XXXX is reporting a score decrease when I decreased by debt. Also, during this same time period, XXXX reported that my borrowing power had decreased from {$100000.00} to {$15000.00}. I also paid of a mortgage of {$120000.00}. With reducing my debt by nearly {$150000.00}, it does not make sense that both my borrowing power and my credit score has dropped.
Consumer complaint received 2023-03-10
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (CA)

My checking account showed that someone withdraw my money with an amount of {$86.00} and it occurred another {$3.00} non-bank-of-west ATM fee. 

The transaction was completed on XX/XX/2022 in XXXX XXXX XXXX CA. I was able to confirm this fund was not by me ; because at that time, I was in XXXX, Hawaii. 

They simply told me they have investigated and because the transaction was approved with PIN, but everyone know there's a lot of fraud POS machine in some store can make a copy and stores PIN.

I have tried to reach the fraud department with Bank Of The West and filled the claim form. After faxed them for about a week, they mail me an notice with decline on my fraud claim. 

I would also attach all my proofs and my physical non-in-state proof that I wasn't in California, so that transaction couldn't be made by me. 

I have attached the letter I have received from the bank, also my flight confirmation, the State of Hawaii Safe Travels to proof that I was out of state and the transaction wouldn't be made by me. 

In the State of Hawaii Safe Travels page, you'll see " Screened : Yes '' and that means I was physically attended to the flight at the airport.
Consumer complaint received 2023-03-10
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.
Consumer complaint received 2024-02-08
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. (MO)

I have reached out to these companies as well as XXXX Experian and XXXX about the misuse of all unauthorized information that is reporting to my credit report. 
The Congress enacted the federal Fair Debt Collection Practices Act, a 1977 law that prohibits third-party collection agencies from harassing, threatening and inappropriately contacting someone who owes money. And all these laws have been broking.

I have sent dispute letters and no responses in a manurable time. I would like to have these companies investigated as well as having these accounts removed and deleted from my credit report. I've attached the information that was sent. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK ()

I use https : XXXX ( XXXX by East West Bank ) . 

XXXX, I use my XXXX XXXX account transfer XXXX to another XXXX XXXX account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. 

Both the payee and the payers XXXX XXXX  account were frozen at {$6000.00} ( later, I recharged my bank account, so there is enough balance to frozen ). 

I asked XXXX XXXX customer service to confirm the payment status, unfreeze one of the accounts, and deduct the frozen money from the other account. 

Because both parties are XXXX XXXX accounts, I think it should be simple. 

The customer service of XXXX told me that the attribution of the remittance can be confirmed after the ach statement from XXXX. 

But after 7 months, they are still asking me to wait for the ach statement. 

I have been waiting for so long, I am almost impatient, I hope it can be resolved soon.
Consumer complaint received 2018-12-29
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: CITIBANK, N.A. (VA)

city bank Na Best Buy XX/XX/2017 and XX/XX/2017 made a hard inquiry which wasn't authorized by me and it is affecting my credit.
Consumer complaint received 2018-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

XXXX XXXX XXXX has reported a fraudulent collection account on my credit report without prior notice. XXXX XXXX XXXX account # XXXX claiming {$7800.00} was a result of Identity Theft and does not belong to me. I did not receive any communication from XXXX XXXX regarding this matter and no prior notice was made to me. I have provided copies of the police report and ID theft affidavit to the original creditor as well as the major credit bureaus and this item has been blocked as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX XXXX is in violation of of the Fair Debt Collection Practices Act Section 807-8 & ( FDCPA ) ( 15 USC 1692 et seq.
Consumer complaint received 2021-03-05
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. (GA)

I have told the CRA on multiple occasions that the information they continue to report is incorrect. They have never verified none of the disputes I have submitted to them. I have investigated the accounts myself and found out that they have been reporting the wrong account numbers, ( 2 ) when there in only one account number, the wrong dates, the wrong status and also a third party reporting on behalf of the original company that I had no idea existed. How is this possible? They are wrecking my credit. The copy I have uploaded in the system and also sent to the CRAs listed is the only account I have with US DEPT OF ED.
Consumer complaint received 2021-07-19
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: HEAD MERCANTILE CO., INC. (OH)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH, XXXX Please see attached the debt validation letter and the cease and desist that was sent to HMC Group back in XXXX. HMC Group has failed to send any form of validation after it was requested by I, XXXX XXXX, the consumer who is in fact a natural person, original creditor, lender, executor, and administrator. HMC Group has also chosen to disregard the cease and desist which was sent to them. I, XXXX XXXX, who is the consumer and original creditor am the only one who is able to validate this alleged debt as said so by congress under the FDCPA, 15 USC 1692g. Both HMC Group and Experian has and continues to invade my individual privacy, as congress has said so under the FDCPA 15 USC 1692 ( a ). There is no law that says a debt collector or consumer reporting agency MUST report any information to a consumer report. The law DOES say under 15 USC 1681b that a consumer reporting agency can only furnish a consumer report in accordance to written instructions by the consumer to who it relates. I, XXXX XXXX did not give neither HMC Group or XXXX  any consent. No consent is identity theft. This is a communication and final notice to cease and desist and pursuant to 15 USC 1692 ( c ) ( c ) ( 2 ). I am invoking my specified remedy to : 1. XXXX out the balance of this alleged account. 
2. Delete any and all references to this alleged account.
Consumer complaint received 2018-12-29
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. (FL)

XXXX XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2019-09-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Dear Chase, thank you for your response that was provided in Ref : XXXX. 
Here is more detained information provided about the loan issued by Chase as a lender : The loan has been provided to meet the home insurance requirement needed for the lender ( Chase ). The Chase Group that utilized the loan information is below : Chase Home Finance LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX This has been recorded in Mers as well, prior to 2010. 

If you still can not locate the loan in next couple of weeks, please let me know. I will be filing a civil claim against Chase, where I would subpoena Mers to get the more detailed information on the loan, to make sure you would be able to locate the account in the Court. Thanks in advance.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX XXXX account number XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  account number XXXX Date opened XX/XX/XXXX I did not open or authorize accounts, and they are the result of identity theft ot fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. 
All of these accounts must be removed from credit report.
Consumer complaint received 2022-03-19
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 HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( EXPERIAN, XXXX, XXXX ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..
Consumer complaint received 2018-12-29
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: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-03-19
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. (PA)

Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. Ion like having my information being used behind my back so please help me fix this issue ASAP!