davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I live and work in the XXXX XXXX area. 

On XX/XX/XXXX, I was notified by Citi ( my credit card issuer ) s fraud department that someone used my card to purchase a laptop for {$680.00} at the Best Buy in XXXX, XXXX ( address : XXXX XXXX XXXX XXXX ). The credit card question ends in XXXX. Here 's the timeline : At XXXX XXXX ET, I received an email from Best Buy confirming the fraudulent order. 

At XXXX XXXX ET, I received a text message alert from Citi asking me if I made a purchase of {$680.00} at Best Buy. 

At XXXX XXXX ET, I replied to Citi that I did not authorize the charge ( screenshot attached ). 

At XXXX XXXX  ET, I received an email from Best Buy confirming that the product has been picked up. 

Since the perpetrator does not have my ID, she put in her name in addition to mine as the person who would pick up the order in store. I have attached copies of the two emails that contain the perpetrator 's name, XXXX XXXX. 

I received a document from Citi ( file number : XXXX ; attached ). Page 4 of the Citi document states that the purchase was conducted by IP address XXXX. This is a XXXX XXXX, XXXX   address. 

I have also attached evidence showing that I was physically in XXXX XXXX XXXX on XX/XX/XXXX. 

The evidence is abundant that I did not authorize this purchase. I was physically in XXXX  on XX/XX/XXXX, not in XXXX XXXX. I do not know anyone in XXXX XXXX, nor have I ever been there. 

However, on XX/XX/XXXX I received a letter from Citi stating that I am responsible for the FRAUDULENT purchase and billed me for {$680.00}. The letter is attached. 

This is an outrageous conclusion. I am requesting that the {$680.00} charge on my credit be reversed.
Consumer complaint received 2022-07-22
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Late Date XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)

I sent a debt validation letter which was received by the company on XX/XX/2022. 
this company has failed to validate the debt in the amount of {$300.00}. Instead they sent me a bill and placed the account on my credit as of XX/XX/2022 before allowing me time to respond. I never signed a HIPPA form authorizing them to have access to any of my information. Which is a direct violation HIPPA regulations.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2024-03-05
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. (FL)

Reviewing my credit report I observe that I have several inquiries in my report which I do not recognize or have I authorized to make, so I kindly request that they be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/2023 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX XXXX Late Date XX/XX/22
Consumer complaint received 2018-12-13
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 — Problem with personal statement of dispute
Company: Conn's, Inc. (TX)

Conns keep updating my personal information on credit to all credit 3 credit companies. I had insurance on the products that I purchased but the merchandise was destroyed during Harvey ( hurricane ) Conns was notified by me immediately after. They changed it as damage due to natural disaster and put it back on my credit.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Kindly ensure the removal of inaccurate accounts listed on my credit report in accordance with FCRA 605B. It's causing me some discomfort, so could you please verify the documents?
Consumer complaint received 2022-01-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Westlake Services, LLC (CA)

Westlakefinancial.com & wilshireconsumer.com gives people an opportunity to get help by providing credits when other does not. That is a big thank you to both companies. 

But when is about the business practices, seems like they are taking advantage of the people by misleading them with the amounts of money they own ( users ). 

In their webpage it is possible to check your balance but if you do not click in the right place, someone might get screwed up. In the same webpage they have three different balances, its impossible to know which one is the right one. 

Yesterday I was decided to payoff my account and when checking my pay off balance it says XXXX number. So I went to the process of paying using their website/online tool, but when I typed the full amount it did not allowed me to process it. Their paying online system only allowed me to pay an slightly smaller amount than the " pay off balance says '', it was about XXXX dollars difference. So I paid the full amount possible which was the full balance in my account balance, and when checking my balance is says XXXX. 

An hour later, I went to the chat to ask for help to check my balance, because in one of the screens says that I owned XXXX cents. ( today, a day later is XXXX cents ). the chat person told me that I should not worry, because I do not own more and that my paid off letter will be sent in matter of days, and that the cents I own will be waived. 

Unfortunately I lost the chat text file, which I saved for this exact purpose, to expose their bad business practices. 

Today out of curiosity, again when checking my balance, it says XXXX, when checking in another screen is XXXX cents and when checking IN ANOTHER screen is XXXX dollars. 

What would have happened if I do not check by phone again? Months later I will be screwed up because the XXXX dollars will be exponentially increased. 

I think its a cheating practice what they are doing. This is not a regular mistake, they are miss leading people, confusing them and I am pretty sure that their good will is behind other dirty utter motives. Bad business practices hurts peoples pockets at the end, is like taking advantage of the needs of others. 

Using computer systems is not a complicated business for a multimillionaire company, they can not tell that its impossible to add the paid off balance when someone is trying to full fil their financial obligations with them using their online systems. 

On top, there ARE NOT banners or messages telling you that if you want to pay your final balance YOU MUST CALL THEM BY PHONE and provide them again all your information in order to pay off your credit, that is another bad business practice from XXXX XXXX XXXX and XXXX XXXX XXXX. 

I think that this should be a XXXX XXXX XXXX against this two companies for using those kind of practices.
Consumer complaint received 2020-07-26
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. (TN)

Please refer to my previous complaint filed - # XXXX. At the resolution of that complaint XXXX was suppose to remove the incorrect information and send me a corrected copy of my credit report. When the company could not prove the validity of the account information, XXXX  removed the information from my credit file. I pulled my credit report today to find the account has been placed my credit files for Transunion and XXXX. So if you can't get in through one door, you try another! Really! So we are back where we started in the initial complaint. The collection agency has not proven the validity of the account and I have adverse and inaccurate information on two of  my three credit files. Something needs to be done about these ruthless collection agencies that prey on innocent people. XXXX, XXXX needs to be closed down if they are not willing to do their job within the realms of the law. I am sick and tired of having to keep fighting off these vultures.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 over the world wide web XXXX XXXXk XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX | MOBILE ( XXXX ) XXXX violated the rights of the applicant entity and used misleading and deceptive practices in violation of [ Title 12 USC 5531 ]. XXXX XXXX knowingly and willing used the creation of a " application '' also known as a " security instrument note '', to deceive the applicant into a fraudulent contract by forcing the disclosure of private estate account numbers, the treasury XXXX social security trust account number. Only after this number was issued to XXXX XXXX were the rights of the applicant entity discriminated against violating [ Title 42 USC 12112 ] by denying the creditor [ Title 18 USC 914 ]..
Consumer complaint received 2022-06-16
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. (PA)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Since XXXX through XXXX, there was fraud on my bank business and personal bank accounts. I had checking accounts, saving, credit cards and a couple other accounts. The fraud took thousands of dollars from my accounts. Which I reported, because I did not recognize transaction and or withdrals. I did not authorize any of the fraudulent transaction. Bank however offered to help me in the beginning but eventually decided it was me and I couldnt do anything about it. I was forced to pay off thousands of dollars.I asked to copies of statements and other forms of all my accounts, including previously closed accounts due to fraud. However, I never received anything. eventually wells fargo representatives ignored me and or claimed all of the transactions were done by me. I asked for proof but was denied. Wells Fargo claimed I was responsible for every and all transactions on all of my accounts, Including {$800.00} cash back transactions at an out of state XXXX. I argued that when you request cash back, there is never an option or possibility of more than {$200.00}. Atms only allow you to withdral about $ XXXX {$600.00} per transactions. There were also withdrals made at a branch every other day, which I never withdral cash. It was a business checking account used for my business expences ( pay bills, vendors and other business needs ... not to use as a personal account where one usually makes deposits and withdrals ). The individuals involved in the fraud had access to my accounts online. They would pay off credit cards using any and all of my other accounts and max credit card out with in a couple of days, and pay it off again.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (PA)

I received a call from someone who would not identify the reason for the call without asking me to provide personal information last week. I received a letter on XX/XX/XXXX that states I have 30 days to dispute the validity of the debt. I sent a letter to dispute the debt on XX/XX/XXXX. On XX/XX/XXXX, less than 30 days from the date of the notice the company reported this invalid debt to the credit agencies. When I called the company the representative told me she could not give me any information and became rude when I asked her about the 30 days I had to send the written dispute. 

This company did not follow FCRA guidelines and reported a debt that is not mine to the credit agencies.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

Ive had 37 separate unauthorized ach withdrawals equaling {$4300.00} from XXXX XXXX bank from my business checking account with Chase. I do not have an XXXX XXXX or any kind of account with this company. Ive called them several times only to get a total runaround. I have filed a report with XXXX
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since XXXX I have applied for a modification. I have been asked for my paperwork over and over again and then some more. Then asked again for the same documents. All the while threatening me with a sale date which is contrary to federal and state law.. I am a nervous wreck
Consumer complaint received 2018-04-30
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 recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : Experian : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Experian address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  fraudulent accounts :  Account Name : XXXX XXXX XXXX  XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX   Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX  Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX , GA XXXX XXXX fraudulent accounts ; Account Name : XXXX XXXX XXXX  XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : PXXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXXXXXX XXXX   XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX