davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CITIBANK, N.A. (IL)

The Citi Bank Sears issued Credit card site continually has crashed over the past several months I've been a customer. Never seen a bank/credit company with the worst sign in access ever of their website. Starting to feel its a scam to acquire late fees because of frustration
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items on my credit file, that do not belong to me, My Identity was stolen. these fraudulent accounts were made thru Identity Theft, I have a mortgage pending, that is when I found out about these accounts on my credit file. they were not authorized by me. I found out that I was also in a data breach with Equifax. Equifax has had so many data breaches, yet they refuse to help consumers in regards to Identity theft.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

XXXX  XXXX XXXX XXXX CITIBANK - XXXX is listing an account as Citi Bank account ton my XXXX  report. My social ends with xxx-xx-XXXX, the account is not mine and has a different social and name. Citi Bank removed it last year and now it appears again.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023 in XXXX, Florida I was scammed on the beach. A man approached me selling waters and I asked for two. As I tried to send the money through XXXX using my Chase account an error message popped up stating the number was not registered with a XXXX account. The man took the phone out of my hand transferred XXXX out of my savings into my checking and sent XXXX dollars to one number and XXXX dollars to an email. My phone immediately died when he returned my phone. When I got back to my hotel and saw I was scammed I immediately called the XXXX XXXX Police Department and filed a police report. I even went back to where the incident happened with several cops and searched the area for this man. The XXXX dollar payment was canceled and I have yet to get my XXXX dollars back. I filed a claim and the claim was denied so I filed to reopen my claim and that was denied as well. This whole incident has caused me stress, financial stress and caused me to slip up in school. The XXXX dollars stolen from my is the refund money from my student loans that I absolutely need in order to repay those loans and continue school. This has caused me so much distress and destitution.
Consumer complaint received 2021-04-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Hello, its been 30 days or more for this fraudulent account reporting and the only response I received was debt verified. I want to know who verified the debt? By law in 30 days or more the debt is suppose to be remove if not verified by the lender. I want to see signatures stating that I got the auto loan.
Consumer complaint received 2019-10-02
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: Experian Information Solutions Inc. (CA)

In 2018, I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts/collections with XXXX XXXX and a number of inquires that do not belong to me.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY A I XXXX - XXXX is listing an account as XXXX XXXX account ton my XXXX report. My social ends with xxx-xx-XXXX, the  account is not mine and has a different social and name. XXXX XXXX removed it last year and now it appears again.
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 2019-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NM)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NM XXXX, XX/XX/2019 ERC, XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dear ERC, I am responding to your contact about collecting a debt. You contacted me and identified the debt as being in collections on my credit report. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2019-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit reporting creditors, 3 major credit bureaus and sub bureaus update disputed credit information with past account statuses in accounts status column and balance and payment history for various months and previous as well as current months when all revolving and installment accounts with the exception of federal student loans have been brought to closed, paid, sold or transferred, as current account ( s ) status.  Requested vigorous investigations into matter to no positive outcome and past, now present delinquencies that have been previously requested for correction, deleted or no data be provided for inaccuracies found to no avail or positive outcome. Please remedy situation at hand.
Consumer complaint received 2023-10-02
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)

On XXXX XXXX I submitted an online dispute to myequifax.com telling them upon viewing my report I notice several inaccurate items, I asked them to please provide me all the information Equifax used to verify these inaccurate late payments. On XXXX XXXX Equifax had completed their reinvestigation and marked the disputes being accurate still and didn't provide me with copies or details of how they got the information, who they spoke with in order prove accurate? The dates marked as late payments was under forbearance. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (CA)

Was trying to purchase soccer game tickets for a XX/XX/19 game in XXXX XXXX on XXXX, contacted seller they had me send {$1.00} via google pay on XX/XX/19 then send an additional {$330.00} via google pay on XX/XX/19 as well. After sending the second amount seller stopped responding to me and never sent me the tickets. I disputed with google and they informed me there was nothing wrong that the receiver did and would not pursue any action.
Consumer complaint received 2019-10-02
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)

XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/2019 XXXX HRS : CALLED CUSTOMER SERVICE AND ADVISED ME THE ACCOUNT IS CURRENTLY RESTRICTED, LOSS PREVENTION TEAM ADVISED BECAUSE THEY WOULD LIKE TO CONFIRM CHECK # XXXX WITH THE DOLLAR AMOUNT OF {$53.00}, ADVISED ME TO CALL ME DURING THE NEXT BUSINESS DAY. 

XX/XX/2019 XXXX HRS : CALLED LOSS PREVENTION, ASKED ME TO REFER THE MAKER OF THE CHECK TO CALL THEM AND NOTATE HER ACCOUNT. 

XX/XX/2019 XXXX HRS : MULTIPLE NOTATION HAS BEEN MADE BUT LOSS PREVENTION CHANGED THEIR MIND CLAIMING THEY WOULD LIKE TO VERIFY WITH THE MAKER OVER THE PHONE. ASKED ME TO CALL BACK AFTER XXXX HRS. 

XX/XX/2019 XXXX HRS : HAD BOTH MAKER AND ME ON THE LINE TO SPEAK WITH THE LOSS PREVENTION, BUT NOW THEY WERE CLAIMING THEY CAN NOT CONFIRM EITHER/BOTH OF OURS IDENTITIES. ASKING BOTH OF US TO STEP INTO A BRANCH. 

XX/XX/2019 XXXX HRS : LOSS PREVENTION ADVISED THAT THEY WOULD ALSO LIKE HAVE VERIFICATION OF THE TWO CHECKS ISSUED BY UNITED STATE POSTAL SERVICE ( XXXX ) XX/XX/2019 XXXX HRS : STEPPED INTO THE XXXX BRANCH AND ASSISTED BY A BANKER AT XXXX HRS. BOTH OF US PRESENT OURSELF WITH TWO PIECES OF PHOTO ID. 

XX/XX/2019 XXXX HRS : LOSS PREVENTION INDICATED THE ACCOUNT WILL BE CLOSED AND CHASE NO LONGER WANTS TO DO BUSINESS WITH ME. THE BANKER SAID I AM SO VERY SORRY BUT WE ARE PARTING AWAY AND YOU CAN NO LONGER DO BUSINESS WITH CHASE NOR I OPEN A NEW ACCOUNT FOR YOU XX/XX/2019 XXXX HRS : STILL AT THE BRANCH DEMANDING AN INCIDENT REPORT OR ACCOUNT CLOSURE LETTER, AS I INDICATED TO THE BANKER ( AND WE BOTH HEARD THE CALL RECORDINGS TOO ), THE LOSS PREVENTION DEPARTMENT NEVER BE ABLE HAVE AN ANSWER WITH CONSISTENCY. 

XX/XX/2019 XXXX HRS : BANKER CALLED IN AGAIN AND ASKED FOR DIRECTION, BUT THIS TIME LOSS PREVENTION INDICATED THEY WILL NOT CLOSE MY ACCOUNT AS LONG AS I CAN CALL THE CHECK MAKER TO COME BACK IN 2 MINUTES AND SPEAK WITH THEM OVER THE PHONE, AND GO OVER SOME TRANSACTIONS WITH THE BANKER. THE BANKER WAS TELLING AT THEM : WHY THE HECK YOU GUYS PUTTING THE INCONSISTENCY ON ME? ... THE VERIFICATION IS FINALLY COMPLETED EXACTLY AT XXXX HRS AND NO NOTICE OR LETTER HAS BEEN RECEIVED AT THIS POINT. 

-- XX/XX/XXXX : Visited a branch to remove account restriction XX/XX/XXXX : Visited a branch to remove an ATM card restriction XX/XX/XXXX : Visited a branch to remove an online access restriction XX/XX/XXXX : Account locked again XX/XX/XXXX : Visited a branch to remove account restriction XXXX : Account locked again
Consumer complaint received 2019-10-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EDvantage LLC (CA)

TUITION OPTIONS LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I had fraudulent charges on my Wells Fargo account via a debit card. After hours of calling, I was put on the phone with a supervisor, they said that the person who used my card called into Wells Fargo, was not asked security questions, and changed my personal information online. 

Now, a month later, the exact same thing happened again. WF keeps allowing fraudulent agents to access my account via their phone system without proper security. They have obtained my SSN and DOB now as a result.
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SAMUEL I WHITE PC (MD)

The office of Congressman XXXX XXXX told me to fill out a form with CFPB in order to have this matter addressed. My home was stolen. My sisters and I inherited my deceased sister XXXX XXXX XXXX 's home XX/XX/XXXX through Probate Court ( small estate ) the address is XXXX XXXX XXXX. XXXX MD XXXX. XXXX passed away XX/XX/XXXX. I became sole owner XX/XX/XXXX through Quit Claim Deed. XX/XX/XXXX my home was fraudulently foreclosed by Samuel I. White  Law Firm representing XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX my family and I were illegally evicted by two men impersonating I have a XXXX year old XXXX XXXX   son who has been scared by people I believe they work for the law firm and/or real estate agents /developers. The occupants in my home are doing a rent to own on file with Land and Records they have a Special Warranty Deed and a Money Deed no bank was involved. 
I have been harassed and it continues today, my mail has been stolen, robotic signatures, my emails hacked, my incoming and outgoing phone calls have been forwarded to someone impersonating the company or me. I am currently living in XXXX MD XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MD XXXX.
Consumer complaint received 2019-10-01
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: CITIBANK, N.A. (VA)

Two fraudulent accounts were opened on my behalf. 

XXXX XXXX/XXXX - Opened XX/XX/2019 XXXX XXXX XXXX/XXXX - Opened XX/XX/2019
Consumer complaint received 2019-10-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

On or around XX/XX/2022 Citibank blocked a standard ACH funding deposit and then claimed it was fraudulent. The bank holding the funds is a standard XXXX bank that I dealt with for years and is reputable. 

The Citibank Fraud department hung up on me repeatedly, then 1 individual there refused to tell me the nature of the problem, only that " it was under investigation and no other information was available. '' She promised a Supervisor would call me and I never heard from them. 

Now, after 50 years of perfect credit I can't open a bank account since this " fraud " report. I can't find the reason or source of the problem despite many calls and current reports from banking reporting companies eg XXXX systems etc., all showing a clean record. 

FYI, Citibank has hundreds of complaints of this nature on its XXXX page and on XXXX sites. 
This bank is engaging in fraudulent and slanderous behavior that is causing many problems for no known reason.
Consumer complaint received 2019-05-08
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: EQUIFAX, INC. (NY)

Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the BBB ( Better Business Bureau ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

I got a call one day saying I owe XXXX for five phones I never received or ordered and they went to some address I dont even know because the account didnt start at my address it just ended up at my address because I gave the person on the other end of the phone my address to dispute it but I just figured I could dispute it with the credit bureaus because it is not my account and it didnt start from my address somebody stole my information and used it to open this account. Please could somebody help me with this situation because it is not my account Diversified consultants date updated XX/XX/2019 Amount owed XXXX Original creditor XXXX XXXX That doesnt even sound like a real XXXX  store
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

This company was sent various certified letters requesting debt verification documentation & debt removal over 50 days ago. However, they havent responded to any of the letters and is continuously reporting inaccurate information to all 3 credit bureaus.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently checked my credit report and to my surprise i saw many fraudulent medical collection accounts listed on my credit report. I also have been recieving calls from debt collectors about  accounts that are not mine and i recieved notifications that ALL of my personal information has been exposed in several mass data breaches in the past ad current. This is extremely devastating and i request that all of the fraudulent information be removed immediately. My request is in line with the Fair Credit Reporting Act Section 605B and i have the power to exercise my rights.
Consumer complaint received 2019-05-08
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. (NY)

I received a Notice of Garnishment on XX/XX/XXXX for XXXX for a judgment amount of {$1800.00}. I hired a lawyer to stop garnishment and received the money garnished back. My attorney then commenced a FDCPA case but XXXX sold my case to XXXX XXXX XXXX. My case was won for {$15000.00} in US District Court XXXX District of NY in XX/XX/XXXX. Experian is reporting false information of {$2100.00} written off. XXXX  and XXXX   does not have this entry listed on my credit report. I do not owe XXXX any money. Reporting false credit information is an FDCPA violation. Experian is violating me under FCRA.
Consumer complaint received 2023-04-07
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. (IN)

Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-03-30
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violate my rights.

15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.