davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

My Citi accounts have been Frozen for days now. 

I have been a loyal Citibank client for my business and personal accounts for about 30 years. 
A few weeks back I received a call from XXXX ( id # XXXX ) from CitiBank profile dept. I was kind in answering but did not feel comfortable, as I mentioned to him, in providing personal info to someone claiming to be from Citi calling me. 
I questioned the need for an updated profile as within the last six months or so I went under a microscope in order to qualify for a line of credit with CitiBank. There is nothing left that Citi does not know about my wife and I. I felt that the call was possibly a scam and left it at that. 
On XX/XX/XXXX or XX/XX/XXXX CitiBank froze all my accounts.I subsequently after hours on the phone, updated the info for the Wealth Managment dept.and provided the info -profile as requested in order to hasten the release of my funds. XXXX mentioned it would take several days, probably after the XX/XX/XXXX holiday, to wind its way thru the various departments to clear the hold on my accounts. The update was to verify my address and best phone number, income info, net worth, that CitiBank already has on file. They wanted private information not relative to my checking accounts. 
I discovered this freeze when I opened my email and found two automatic bill payments were rejected due my accounts being Frozen. I have no access to my funds or information on my accounts. It seems that the Wealth Management Dept. was the source of my troubles and caused me to lose access to all my Citi accounts, which have absolutely nothing to do with Wealth Management. I spent in excess of 6 hours trying to clear up this unnecessary mess, to no avail in defrosting my accounts. I received tremendous support for my local branch managers without results. XXXX XXXX, a case resolver, opened up a case but no immediate results nor from a chain of others, all pleasant but powerless. My automatic payments and checks are bouncing. 
I would appreciate an immediate stop to the freeze on my accounts and contact from a Senior Executive from Citi to  salvage my so called Dedicated Relationship, which for years was Citigold. Great way to treat longtime clients. 
My understanding as I was told by a Citi employee, is that 21,000 others have been affected in the same manner by CitiBank. 
just rolled out this great plan a week ago.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-06
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

After checking my credit report for the past 2 months, I have noticed my account information has not been updated per the documentation I have provided directly from the XXXX. I spoke with Equifax prior to this and they stated XXXX verified this information to be true. XXXX FCRA, credit reports must be updated every 30 days with the upmost current information. If any information is incorrect per the consumer, we have to right to dispute and obtain a fair investigation on the account. 

The XXXX  does not show the updated information, it is outdated over 60 days of data. Credit balance, XXXX XXXX, XXXX history, and the worst payment. These categories are outdated over 60 days. This backdated information has stalled my home buying process again. I have attempted to update this information several over times with Equifax requesting for an update. In addition, to sending disputes to get my account updated, I have called as well. Unfortunately, none of the attempts has been successful, and the XXXX documentation has been ignored. Each time my dispute was complete, it only shows the creditor verified information but that can not be correct because the balance has stayed the same for 60 days, last payment status shows since XX/XX/2022 but my last payment was on XX/XX/2022, payment status shows " no info '', worst payment has a dash instead of data reported. 

This compliant to assist with updating my XXXX account accurately. I have more documentation attached this compliant. XXXX documentation showing the credit statement balance. Communication showing the documentation came directly from XXXX. Credit Report showing the outdated information deflecting the most updated information from 30 days instead showing more than 60 days ago. most recent payment to XXXX on XX/XX/2022. 

Please update Equifax with the updated information.
Consumer complaint received 2022-07-06
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Logged into my XXXX account to pay my bill like normal. Noticed there was no link to my credit card account as there usually is. Poked around the site and Followed Pay My Bill link, couldnt get through. Decided to call comenity, automated system lead me to a message that said to try again later and hung up. Called XXXX customer service and all they could say was they were aware of the issues but it was up to Comenity and to keep trying XXXX XXXX ( Ive had multiple failed attempts on that platform ) or you pay in store. Any attempt to reach Comenity just ends in the same automated messages on social media and telephone. It seems like this has been an ongoing issue, with no real communication to their consumers.
Consumer complaint received 2022-07-06
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. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also date last active, date of last payment, and date opened on the following accounts need to be verified as they are reporting old outdated and incorrect information. 
XXXX # XXXX last payment date is XX/XX/XXXX, but outdated as far as being opened XX/XX/XXXX. XXXX and XXXX deleted it but Equifax is holding this account when it is past the statute of debt limitations in the state of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX last payment date is XX/XX/XXXX on XXXX, and last payment date is XX/XX/XXXX on Equifax XXXX the balances are also different. XXXX XXXX XXXX XXXX dates last active and dates of last payment are inaccurate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2022-03-21
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: TD BANK US HOLDING COMPANY (NY)

TD Bank Headquarters XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to complain about my experience and service of how fraudulent charges on my credit card were handled. 
On XX/XX/XXXX I received a text about a fraudulent charge on my account, I instantly called TD to inquiry about the charge. When I spoke to the agent, we reviewed charges and discovered there were multiple unauthorized charge. The charges were XXXX transactions of {$200.00} for XXXX XXXX ( Total {$400.00} ). Agent informed me that charges would be investigated. 
On XX/XX/XXXX I received a letter that after reviewing and investigating available information and documentation that I was responsible for the charges. After receiving the letter I called TD bank. They informed me that I could appeal the decision and that I would be contacted with a decision. In XXXX, I called to follow-up because I had not received a call back and was informed that they were still reviewing and I should be patient that the case was still being reviewed. In XXXX, I called again and I received the same response to be patient. In XXXX, after still no response from anyone from TD, I called back and was informed that they never call any customer back with a decision and that my appeal was denied and I was responsible for the charges I had never made. I asked to speak to the appeals department or someone in a higher position. The agent informed me that there was no one who could assist me because they were the highest contact I could speak to via phone in regards to the matter and I needed to contact headquarters. I also, tried reaching out to the branch and they told me that there is nothing they could do in the matter, either. 
As you look at my history, I have been a customer for a long time and Ive never been late on a payment. I had a {$12000.00} credit limit and I have always shown to be responsible with my accounts. I had {$50000.00} in my checking account, which has now been closed and moved to XXXX due to the service received in this matter. After being a customer for so long, I felt I deserved the respect of a phone call about this situation but nothing. 
So as of right now I have these charges on my account that I have never made and they are accruing finance charges on them to. Honestly if I had made the charges I would have paid them because Ive made many charges on the card and as you could see in my history I have always paid. There would be no reason for me not to pay if I had made them. I would appreciate a call back on this matter.
Consumer complaint received 2022-07-06
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: S & S Recovery, Inc. (FL)

I have received validation of debt by S & S Recovery via Mail Dated as the XX/XX/2022 information is attached to this complaint. The referenced Account # XXXX Reference # XXXX. There was an inaccuracy in which I was incorrectly billed in the amount of {$1400.00} was supposedly refunded back to the account. I did not receive any funding for an overage nor was this information shared with me until the investigation from S & S Recovery. The account balance reported from S & S Recovery is not reflected as the SAME BALANCE reported on my XXXX Credit Report. ( Doc. Attached ). 

I am contacting you because you claimed to have completed this investigation and verified this information with XXXX XXXX XXXX as reporting 100 % accurate. However, this account is STILL inaccurate and is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I have previously requested that you investigate and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE and remove this inaccurate account from my credit report.
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (FL)

Zwicker and Associate P.C. Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This collection company written above summons me for trying to collect a debt without mention how much I owed or Can you please ask them the breakdown how much and complete paper works of why, when, who and where? 

Can you please advise or please help how to answer the summons given to me. 
By this fraud collection company. 
Lastly, tell this collection company to STOP sending summons or calling me. 

Thank you
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. 
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract
Consumer complaint received 2015-11-04
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (TX)

I paid an invoice through PayPal in XXXX and it did had a conversion rate of XXXX for XXXX usd. This exchange rate is much different from any other exchange rate. When I called to get an understanding about which entity they get their exchange rate info from I was given the run around. I was charged a total of {$480.00} when it should 've been around {$460.00}.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK Credit Cards Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX All this infomation in not mines ......