davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (VA)

After learning about the XXXX Spring/Summer hack of Equifax, I took the following actions on XXXX XXXX, XXXX : Went to the Equifax website and learned that my information may have been stolen as part of the hack. 
Put a freeze on my account with Equifax, XXXX, and XXXX. 
Placed an initial 90 day fraud alert on my credit file. 

I understand that the hack is not entirely the fault of Equifax, nonetheless, I feel harmed and believe my information is now out on the internet/public and I am vulnerable to identity theft. I have taken actions listed above to mitigate the damage, but I also had to pay for the freezes on my accounts. I know I am not alone in this, and I look forward to action being taken to reconcile this problem.
Consumer complaint received 2023-05-31
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. (IL)

1. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

2. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

3. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
4. The following personal information is incorrect
    
        Employers: NOT PROVIDED
Consumer complaint received 2018-07-15
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: COMMUNITY CHOICE FINANCIAL, INC. (CA)

On XX/XX/XXXX, I obtained a free annual credit report from XXXX. It showed a hard credit pull that I did NOT authorize, from a company I have NEVER had contact with and have NEVER requested to do business with. 

The unauthorized pull was by XXXX XXXX on XX/XX/XXXX. I did NOT initiate any type of business transaction with this company. I XXXX them and they are a payday lender. I have NEVER requested a payday loan. I did NOT initiate any lending requests or loan applications in XX/XX/XXXX or the months immediately prior. 

The XXXX credit report shows XXXX XXXX XXXX contact info as XXXX XXXX XXXX, XXXX, OH XXXX, phone number as ( XXXX ) XXXX. The credit report shows that this hard pull would remain on my credit report until XX/XX/XXXX. However this is ABSOLUTELY an UNAUTHORIZED hard pull that I did not request.
Consumer complaint received 2023-09-21
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
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: Social Finance, Inc. (NC)

I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (DE)

I attempted to use my Citi credit card and was declined. I stood in line attempting to contact customer service but could not get a real person. I tried to use the app. They informed me that they had multiple accounts under my name. Citi is not trying to protect my identity they see multiple accounts and are doing nothing. When you ask they to just close the accounts and refund the annual fee because the servicing is bad. they are refusing to close the card they just want to send me a new card. This is typical CITI refusing to close accounts. 

CITI is taking advantage of me, i still can not understand if my identity was stolen, and they are refusing to close the account.
Consumer complaint received 2018-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is stopping me from opening a bank account anywhere i go the XXXX report states XX/XX/2014 ( suspected fraud activity ) i had overdrawn a big sum of money from my checking account. They pocketed my check for 3 week with false hope of being compensated after it all cleared, with no money to pay my bills after 3 weeks of hard work i left the account as is and also had to begin work for another company after feeling so helped and used a coworker helped me out with some " coins '' i had to pay back after this mishaps. I still hav n't got a XXXX of the money i worked for. I also had been having XXXX siphon back the loan that i had got from school which was a long 3 year process which I let happen so i could avoid that being on my credit if thats through Bank of America i dont know, which one is stopping me from opening an account but neither should be.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute an inquiry listed on my credit report. I have no record of initiating or authorizing this inquiry. I have carefully reviewed my financial records and can confirm that I did not engage in any financial transactions with the creditors that would have warranted such an inquiry.
Consumer complaint received 2022-05-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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 consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-24
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. (FL)

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

Account name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXunt Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-03-16
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. (IN)

On XXXX XXXX, I went to XXXX XXXX XXXX ( XXXX ) with XXXX XXXX to co-sign a personal loan because she was in debt and could not get a loan to pay her bills from any bank or credit union because of her current bankruptcy status at that time. We agreed that she would pay back the loan in full amount with monthly timely installment payments. During the process, I remember signing the documents then passed them to her to signed. She said she would make copies and give them to me later. She never did give me a copy. Months later, she was homeless, and I offered her my guest room temporarily. During her temporary stay, I started to receive delinquency notices of past due payments from the credit union and a disconnect notice from XXXX XXXX company. I decided to evict her out of my home because she was very financially irresponsible, disrespectful, and recklessness with my credit rating. XX/XX/XXXX, I went to XXXX XXXX, got a copy of the loan, spoke to the Branch Manager w/ no help, and notice that the signature and initials were not mine, XXXX XXXX XXXX and that of the XXXX representative, XXXX XXXX, were missing, a debt sheet with creditors of XXXX XXXX XXXX, and the personal loan was only in my name with my SSN, Phone #, and XXXX  XXXX 's email . At that point, I decided to contact all the necessary agencies to start the process to end my identity involvement is this alleged loan fraud and predatory lending practice by the representative and the XXXX. XX/XX/XXXX, I called the XXXX XXXX XXXX and XXXX XXXX and received a message to file a report via FTC website. On XX/XX/XXXX, I went to the XXXX branch and had to pay {$1400.00} to bring the account current to stop getting my credit report hit with 30 day late notices from XX/XX/XXXX after talking with a representative the day prior because I notice my credit score was in the XXXX hundreds down from the XXXX and XXXX and had to password protect my account in person at the physical XXXX branch. Corporate office was no help, they just give excuses about they would investigate. Currently in the process of obtaining an Attorney for filing with the Courts.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

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

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
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. (FL)

I am writing to formally dispute an account on my credit report that does not belong to me. I have recently reviewed my credit report from your agency and was dismayed to discover several accounts that appear to be the result of identity theft. These accounts have been reported under my name and have had a negative impact on my creditworthiness. 
Below are the details of the fraudulent accounts that I am disputing : XXXXXXXX XXXX XXXXXXXX This account does not belong to me, and I have never had any association with them. I believe my personal information has been compromised, leading to the misrepresentation of my identity. I have taken immediate steps to report this identity theft to law enforcement, and I have also contacted the affected financial institutions to inform them of the fraudulent activity.
Consumer complaint received 2023-09-21
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. (NM)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
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. (PA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account Number:XXXX XXXX
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I have checking and saving accounts with CitiBank for years. I used this account for fund transfer for payment from XXXX XXXX. XX/XX/XXXX, my account was frozen for unknown reason. There was no explanation. I went to a branch to complain. the bank manager worked very hard to call whatever department in the bank to get explanation and address for contacts to retrieve the fund. I had my lawyer written two letters between XXXX and XXXX as there was no response from the contacts. Between XX/XX/XXXX to early XXXX, XXXX, the account was reopen. It was my mistake not to withdraw and close the account due to my trust of the bank. Then I received a letter from Citibank dated XX/XX/XXXX, stating that this is the final Checking Account statement, my Checking Account is now closed. There is no explanation why the account was closed. Where is the total fund of {$17000.00}? Who withdrew this total amount? 
I called the number listed on the letter on XX/XX/XXXX, the response is that a check with my total fund would be mailed to me. I received no response. On XXXX XXXX, I called, the Debit card No. and PIN are not recognized by the system. I wrote a letter to the listed address, demanding refund. So far, there is no response from Citibank.N.A. 
I received a certified mail from the Attorney General of Washington dated XX/XX/XXXX, RE : Order issuing Process for XXXX of $ $ $ $ $ $ $ in Citibank , N.A . Account Ending in # # # # ( my account number. ) XXXX XXXX XXXX XXXX WAshington has ordered the XXXX by the State of WAshington of certain proceeds in the Citibank , N.A . account listed above, as money traceable to or derived from fraudulent claims for unemployment benfits... The seized amount is different than the fund that Citibank had grabbed from me! 
The Citibank has stolen my fund and closed my account. The Citibank has stolen my Identity card for fraudulent use to scam for unemployment benefits. It is criminal acts. I deserve justice and get my money back and at the same time, my name and identity should be cleared. I want this CFPB to take action, this bank needs investigation or closure to protect consumers.