davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

In short, I was subject to fraud on my CITIBANK checking account on XX/XX/XXXX, and upon investigation, CITIBANK denied my claim on XX/XX/XXXX, responding, ' ... these transfers and the activity appears to be consistent with your normal banking activities. As such, we are unable to honor the request for reimbursement. ' I asked them to reopen the investigation 2 more times and received a similar denial on XX/XX/XXXX and XX/XX/XXXX, 'With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. ' FACTS : On XX/XX/XXXX, a man called me claiming to be from CITIBANK and said he was calling because there seemed to be suspicious activity on my account. He sent me emails while we were on the phone with CITIBANK letterhead so it looked convincing. He asked for personal information which I gave him ( stupid ) b/c I was panicked. I was logged into my CITI account while I was on the phone with him watching as the funds were being deducted from my account. There were 2 withdrawals made for : {$2400.00} and {$2400.00} within a second of each other which is not in keeping with my normal banking activities as CITIBANK claimed above.

Once I got off the phone with him, I called CITIBANK back right away and realized it was fraud because customer confirmed, no one had called me from the bank. I was transferred to multiple people over the course of TWO hours, my call was dropped twice and no one could get me to the right dept. I finally landed with the right department, explained what happened and asked for a hold to be put on my account. 

The next day, I went to my local branch in Mt. XXXX, NY, because I had to talk to a human IRL to get to the bottom of this. The manager and her associate were AWESOME! They said no one I had talked to the day before had put a hold on my account so that was almost 24 hrs that the criminals could have withdrawn more funds!! Luckily there wasn't more to take! There were also no notes, nothing written in my file from the 6 people I spoke to the previous day after being on the phone for 2 hours. The manager looked at the emails they sent and thought it might be an inside job because they looked realistic. She helped me open 2 new checking accounts because of the 2 that had been compromised. I called CITIBANK again to put in a request for an investigation.

No one from CITIBANK ever called me to ask what happened after any of the 3 investigation requests I put in so they have NO information about what happened. I've been banking with CITIBANK for over 20 years and this is outrageous. Every time I call, it's a minimum of 2 hours because I keep getting transferred to the wrong area. Also, the manager at the branch could only help me so much. She said she has to call the same number for fraud that I have, there is no direct line in which I thought was terrible. 

Please let me know if there's any additional information you need from me? 

Thank you! 
XXXX
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (FL)

I sent 3 debt validation letters in XX/XX/2021, and each time the company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NY)

It has come to my attention that BARCLAYS BANK, creditor and debt collector as defined pursuant to 15 USC 1602a ( g ) and 15 ISC 1692a ( 6 ) has violated my rights as a consumer pursuant to Title 15 Chapter 41 subsection 15 USC 1601, Truth in Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy, and by providing abusive and unfair debt collection practices.

This consumer credit transaction with Barclays Bank which resulted in an account under an open -end- credit plan was used unauthorizedly by BARCLAYS BANK which is also known as identity theft pursuant to 15 USC 1602p and 18 USC 1028a ( 5 ). 

Cease all UNFAIR communication through any mediums with me and ANY third party ( such as consumer reporting agencies ) ( Communication in connection with debt collection ).
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

PERMANENTLY DELETE AND BLOCK the XXXX XXXX  XXXX, XXXX FROM MY CREDIT PROFILE. 

Equifax , Inc. refuses to follow the Fair Credit Reporting Act 605B ( a ) where they are required to delete and block accounts that have been proven to be identity theft within 4 business days. I submitted a police report and 2 FTC Identity Theft Reports to Equifax , Inc. with the XXXX XXXX XXXX XXXX XXXX account identified in them as identity theft. This account has been deleted and blocked by all other credit reporting agencies. Equifax has even deleted it multiple times, but they refuse to block it and allow XXXX to report it every month. The account is also subject of litigation and XXXX is estopped from reporting this account because of its fraudulent nature and being identity theft. The account is 100 % inaccurate. 

Equifax had until today to delete and block the account and instead they closed my last CFPB Complaint on the 4th business day and responded for me to call them. My phone calls to Equifax 's fraud department have proven ineffective numerous times. This is a deceptive business practice as Equifax is using this tactic to delay justice and continue to cause damages to my name, likeness, character, and credit worthiness. Equifax has in their possession everything they need to conclude this matter and delete and block the XXXX XXXX XXXX XXXX XXXX from my credit profile. Equifax has never provided me documentation as is required by law ( FCRA 605B ) informing me of their reasons not blocking the account and for allowing the account to be re-reported after Equifax has deleted it multiple times. Once the account is deleted, it can not be added back. All other credit reporting agencies I do not give Equifax permission to continue to publish this XXXX account on my credit profile. They have no permissible purpose by law to not delete and permanently block the account. I am being damaged daily by Equifax 's refusal to follow the consumer protection laws.

Every complaint that I file where they refuse to follow the law can and will be used against them as evidence in any and all matters whatsoever. I reserve any and all rights for damages and relief.
Consumer complaint received 2022-08-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation (TX)

I recently cashed alive check from XXXX XXXX in XXXXXXXX XXXX. Unfortunately not long after I contracted XXXX twice along with other members of my family. A reason I explained to an employee from the company. After repeated calls to references I never gave to said company or gave them permission to contact, I decided to submit a Cease and Desist letter to said company. I also informed the company that although currently I was trying to reestablish myself financially, I couldnt at the moment with them. But I would contact them as soon as I had sufficient funds to make a payment. In turn the employee said they couldnt wait for me and that a cease and desist letter wouldnt prevent them from further contact. I still receive calls from them daily and I dont know why to do anymore.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (CA)

Hunter warfiled has erroneously reported a collection for {$4800.00} on my credit report from supposedly an apartment complex which is NOT legit and original creditor could NOT validate or justify the charges thus released of all liability due to breath of their power. However Hunter warfield has continued to report and aggressively trying to collect on this erroneous collection threatening levy, arrest and ceasure of assets...
Consumer complaint received 2021-12-30
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)

My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LJ Ross Associates (MD)

My name is XXXX XXXX and I have an issue with LJ Ross Associates, XXXX collecting, buying, and selling my private information. They have been placed on my consumer report which lets me know that they have bought AND obtained my personal and private information without my written consent pursuant to 15 USC 1692c ( b ). No consent is identity theft which is in fact punishable by law pursuant to 18 USC 1028A. This also falls under extortion. Title 18 section 891 ( 6 ) of the United States Code clearly states that " An extortionate extension of credit is any extension of credit with respect to which it is the understanding of the creditor and the debtor at the time it is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person. '' Obviously my CREDIT card, which is my social security card pursuant to 15 USC 1602 ( l ), was used and shared in this process. An extortionate means is ANY means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, REPUTATION, or property of any person. If I am not mistaken, my consumer report is apart of my reputation. So LJ Ross Associates are taking and using my private information and I did not authorize anything! Pursuant to 18 USC 1028, ANYONE who possesses, transfers, traffics, uses, or produces, without LAWFUL authority, any identification document shall be punished. Federal law also states that whoever knowingly participates in ANY way in the use of ANY extortionate means shall be fined and/or imprisoned not more than 20 years. These are public federal laws and there is no excuse for any debt collector to not know and understand them.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Deatrick & Spies PSC (KY)

This company is in violation of multiple FDCPA laws. I sent a validation of debt letter along with a cease and desist letter to this company. I do not owe this debt, according to 15 USC 1692g As the original creditor, I only can validate this debt. I do not validate this debt. I demand this company to cease all forms of communication with me through any and all mediums.
Consumer complaint received 2022-04-25
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. (TX)

In Accordance with the Fair Credit Reporting Act, the list of accounts below has Violated my federally protected consumer rights to privacy and confidentially 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 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction.

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 record of convictions of crime which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ # XXXX ] [ XXXX XXXX ] ] [ # XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ]
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE ACCOUNT IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : TN CHILD SUP XXXX Balance : {$20000.00}
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

I used XXXX to make 3 purchase to 2 different people claiming to have items for purchase. The total of all transactions was {$1300.00}. After both people went completely silent after transferring money using XXXX. After trying to get refunded for the purchases XXXX referred me to my bank ( Chase ) to refund it, stating there wasnt anything they could do and it was to be handled by the bank. After calling Chase they stated nothing could be done by them and said " sorry you got scammed but you authorized the purchase so we can't refund it ''. I have made attempts via email, phone and text to get ahold of the sellers to no avail and Chase and XXXX refuse to work with me.
Consumer complaint received 2019-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Rocket Mortgage, LLC (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (MA)

Between XXXX and XXXX of this year I sent myself several transactions to the XXXX XXXX worth more than {$4500.00} dollars, to pay for the treatment of my health problems affected by XXXX, the money transfer company in the USA, XOOM .COM always sent me notifications of available money, but his partner in the XXXX XXXX never gave me the money, under the allegation of confirmation of funds, this after seeing my documentation and the notifications of available money that I received from XXXX, The question is that they always marked the transfer as delivered, but I never received a single dollar, They XXXX took more than {$4500.00} dollars from my account in the USA without having a receipt that confirmed the delivery of the money in the XXXX XXXX, product of This when I return to the USA I opened a claim for this case, XXXX denied my claim without comparing the signatures on my documents and the signatures on the supposed receipts that his partner in the XXXX XXXX XXXX. XXXX, the question is that the signatures are not the same, not even similar, I made a second claim and it was also denied. I spoke with my bank in the USA and they managed to return about XXXX XXXX dollars to my account, but that is a process that can be reversed if XOOM.COM refuses to present evidence of the case. Now at this moment Xoom.com is charging me my own money and they threaten to damage my credit, I think this is unfair, because they denied me my own money to pay my health expenses and now they are charging me for money that I never received. Sorry if I made any spelling mistakes, it's that I don't speak or write much English.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United We Collect, Inc. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on UNITED WE COLLECT INC XXXXXXXXXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (OH)

XX/XX/XXXX I called because my mortgage company incorrectly coded my residential home as a condo with a HOA. They incorrectly levied on me a {$2600.00} HOA insurance payment. I called 6 times over the past 2 weeks to get taken care of. They did not refund the money nor update my escrow account. On XX/XX/XXXX I got an escrow statement that says I have a $ XXXX shortage and they have not applied the amount. 

I called again on XX/XX/XXXX 2 times and they transfer me to a manager. Come to find out they are not managers and keep transferring me back and forth. I can not get a resolution of them to fix my loan type and refund the money taken from my escrow account.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
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. (FL)

My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-12-30
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. (FL)

My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report