davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ XXXX ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2022-08-24
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)

The ( 3 ) three credit Breaus are reporting inaccurate inquiries and debts on my credit report 1. XXXXXXXX XXXX 2. XXXXXXXX XXXX XXXXt 3 XXXX Bank 4.XXXXXXXX XXXX 5XXXX XXXX Bank 6.XXXX 7.XXXX XXXXXXXX I've filed several disputes and nothing has been changed and I've also did my share of investigating and found that they have mixed my credit file up with someone's social ending with XXXX please.
Consumer complaint received 2021-07-28
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)

I received a copy of my credit report and found a few items to be in error. I have attached and FTC report and my letters for each bureau to this complaint.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Systems, representing XXXX XXXX is falsely accusing me of owing an energy bill from XXXX, Texas. I have called them and written to them, that I have never visited, lived or done business in Texas. I have resided in the same state for the past 40+ years. They went ahead and hit my credit report with a collection. 

They are calling friends and relatives via phone and text, scaring them to find me because legal actions are being taken and I will be jailed. 

Please let me know if you need anything else from me. Thank you!
Consumer complaint received 2021-07-28
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. (NC)

Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, 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 of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to
promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or deleted immediately. Below I have marked the multiple inaccuracies that are being reported on my credit profiles.
Consumer complaint received 2021-09-21
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report. The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX LISTED with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

To this day I have not received a written response from Citibank in regards to the Unauthorized Wire Transfers from my account. 

I have asked for months for Citibank to review my account for Fraud. Within their VERBAL response they have said that the fraudulent activity was my fault. That is not true. Someone hacked into my Citibank account and changed the password without my knowledge. I did my due diligence and called the Bank immediately to advise of the unauthorized activity. 

Citibank failed to protect my account. They were advised of the fraudulent activity within minutes of it occurring. On XXXX but Citibank failed to do anything to try and research or recover the funds until XXXX. Their failure to respond in a timely manner to my call of unauthorized wire transfers caused the funds to be unrecoverable.

Citibanks Fraud department did not begin its research until XX/XX/2021 at which time they mailed me affidavit of unauthorized wire transfer. I completed the form and returned it within the required time. But there review was already 2 months after the person gained unauthorized access to my account and made the unauthorized wire transfers. 

Regulation E provides protection to the consumer against unauthorized wire transfers and it explains the responsibility of the bank.

Citibank failed to meet any of the requirements of Regulation E in the treatment of my unauthorized wire transfers.

1. They Failed to respond in a timely fashion and investigate the unauthorized wire transfers.

2. They failed to send a written explanation of their finds from the review.

3. Failed to advise me of my rights to request documentation explaining what was done and how they came to their conclusion. I have asked for the name of the person who committed the unauthorized transfers and the bank info in which it was sent. But nothing has been provide. Without this information I am unable to seek legal actions against the person.

Citibank failed to research in a timely fashion causing my Savings and Checking accounts to be emptied and prevented the recovery from the thief. 

After multiple calls to have the hold removed from my checking account and to have my funds issued to me I have not received them. Their letter says to call the fraud department but even those calls has not resulted in the funds being released to me. So they are still illegally holding my money after the fraud investigation has been resolved. 

Money from the IRS and from my Employer as a payroll deposit. 

I am still seeking assistance in recovering my funds and obtaining the releases of my money from account now that the fraud claim has been closed.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

I am trying to get my free annual credit report so that I can apply for a home loan. Using XXXX XXXX XXXX returns an error for all three credit score providers.

I am a U.S. citizen that has been living abroad for almost 10 years. I will soon move back to the U.S. and need a credit report so I can apply for a home loan. During that time I have always maintained U.S. bank accounts and used U.S. credit cards. I should have maintained an active credit score during this time. When using the annual credit report website, you are required to submit a U.S. address and phone number. I have neither as I have been living abroad. To attempt to retrieve my credit score I used my last mailing address from 2012 and my old U.S. phone number ( to which I no longer have access ). I am unable to provide my current, foreign address and number to the website. 

Requesting the free report from any report provider returns an error on the website with no information on how to successfully retrieve my report. I have attempted calling customer support for Experian, XXXX and XXXX, none of their support lines were able to assist me in obtaining the free credit report. 

The credit report process is totally broken for U.S. expats attempting to retrieve a credit report while living abroad. I am blocked form applying for a home loan until this issue is resolved. I just want a credit report from any/all of the credit score providers.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (TN)

One year ago, fall XXXX, I received a letter saying that my checking account with PNC would be closed if no further action was taken. I called PNC, the customer service agent informed me that she had no idea why I received the letter, and to ignore it, the account would not be closed. 

XX/XX/XXXX I received the same letter. Given the previous my previous experience, I ignored it. XX/XX/XXXX, my checking account was closed without any additional communication. I found out my account was closed due to a failed transaction. 

I called the company and asked for more information, she said that " the company reserves the right to terminate their relationship with a customer at any time. '' They could not even provide us with a tracking number so that we know when we will receive the check in the mail for over {$13000.00} USD. I've been a 15 year customer, with no account issues or problems in the past.
Consumer complaint received 2021-09-20
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: Credit Plus Inc (MI)

THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/XXXX a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached. The company the responded : Hello, We have received notification that you have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), under the date of XX/XX/XXXX, regarding an inquiry from Credit Plus on XX/XX/XXXX reporting on your credit report. Please be advised that Credit Plus , Inc. is a reseller of credit reports and it was out client XXXX XXXX that pulled your credit report on XX/XX/XXXX. If you do not believe that you authorized this inquiry, please contact us directly, our contact information is below. Thank you, Credit Plus , Inc. XXXX XXXX XXXX XXXX, MD XXXX Phone : XXXX Fax : XXXX Email : XXXX Herein lies admission to being involved as a third party. The company never gave me the solution I demanded but rather shifted responsibility. Per attached exhibit- the company Credit Plus ( IS ) listed as the reporter. So pursuant to 15USC 1692e this is misleading representation and this is a violation of my consumer rights. This false representation includes but is not limited to the use of any business, company, or organization name other than the TRUE NAME of the debt collectors business, company or organization.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I recently talk to the American Express travel agent about my cancellation about my ticket they where told me that I cant refund it they can only do is airline credit I dont want airline credit because I paid the ticket on my American Express card and my flight begin on the XXXX I want refund instead of credit
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: White Jacobs & Associates (TX)

Company stated they are attorney backed. Company sent lawsuit threatening letters to a creditor we have never had business with. Company sent this same letter more than once to creditors - one creditor filed suit due to still being within statute of limitations. 
A company that is attorney backed should have known statute of limitations and should have advised us this could happen. Company stated we would NOT have a charge for XXXX - have voicemail to verify this. As of this date - no refund for the XXXX charge has been made. Company states they go above and beyond - we couldn't get a return phone call nor email until AFTER we advised we would be filing complaints with every agency that was pertinent to their type of company. 

We requested full refund for lack of due diligence on their part - as of this date - NO response other than to be disrespectful and rude.
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (MI)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I need a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Today I received two 1099-INT forms from Citibank ( one is correct, while the other is totally wrong ).

For the first and correct 1099-INT form, it shows my interest income from Citibank in the year of 2021 in both my Checking account and Savings account. Within the checking account interest income, it includes the {$700.00} new account promotional bonus that I received last year. 

For the second but totally wrong 1099-INT form, it shows {$1500.00} Bank Promotions from Citibank. However, I never received this {$1500.00} promotions from Citibank last year at all. Note that I only received {$700.00} promotional bonus in my Citibank Checking account and this {$700.00} bonus was already included and counted in the first 1099-INT form. Apparently this second 1099-INT form in the amount of {$1500.00} is totally WRONG and should NOT exist for my Citibank account at all. Unfortunately both 1099-INT forms were reported to IRS by Citibank.

I request Citibank to take immediate correction to withdraw the wrong 1099-INT form in the amount of {$1500.00} from IRS. Citibank must take immediate correction with IRS and also send me the correction for my record and tax return purpose as well.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

In XXXX I opened a new Checking and Savings account at Citibank in the hopes of receiving a {$700.00} new account bonus for opening a " Citi Priority Account ''. I opened the account and deposited {$50000.00} on XX/XX/21 and have maintained that balance between checking and savings. The terms and conditions state " The Cash Bonus based on the Chart will be paid to your Eligible Checking Account within 90 calendar days from the date you complete all Required Activities. '' It's now been 92 days and I believe the required activities are making the XXXX deposit and maintaining the balance for 60 days.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (TX)

XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments