davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I had {$1400.00} transferred to a account that I stated to fraud people at XXXX bank America that I have no bank account and said my account was hacked all my info was changed I had to go in bank to show identity and have them verify me to fix my XXXX bank America account.and today I call and they say was denied how is that I ask when I've been hacked and money stole off my account.mybrent is due and no way pay due to bank not investaging this better. 
I have no bank account and told them don't transfer nothing off my card anytime.or no online orders plz help me get my money back asap so I don't have be put in st due to no way pay rent due to scamming ppl Thank you
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

This complaint is for the Citi Costco Anywhere Visa card which posted a false advising that it is accepted everywhere else Visa is accepted. 

The following is disclaimer from the Citi Anywhere Visa card web site : " The NEW Costco Anywhere Visa Card by Citi is the Costco credit card that rewards your purchases at Costco and everywhere else Visa is accepted. " Actually I was rejected by the XXXX restaurant few days ago when I tried to use the Citi Costco Anywhere Visa card to charge the fried chicken meal. They told me that they accept Visa card but just not Visa card issued by CITI.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I opened a dispute with Citi Bank over a purchase with XXXX. The issue was that XXXX would not honor their return policy. I purchased a bed frame from XXXX and was dissatisfied with the quality, thus I went to return. XXXX refused to accept the return even though it was within the proper time frame and inside the original boxes the item came in. 

I call my credit card company to opened a dispute stating they refused to except the package. Citi Bank sent me a form to fill out and with it I attached a letter explaining my exact reason for wanting to return it, I was establishing it was a return with cause and not in bad faith Citi Bank then went against my claim once they received a boilerplate answer from XXXX. Citi Bank refused to look at the evidence and returned the money to XXXX and now claim I must go after them myself. 

On XXXX/XXXX/16 at XXXX I called and spoke with a dispute rep in which she admitted that they incorrectly filed the claim as problem with quality instead of the correct claim, failure to honor return policy. They made a mistake in handling this claim and now want me to remedy myself. This call has been recorded and I can provide it as evidence.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Currently violating : -The Privacy Act of 1974 ( 5 U.S. Code 552a ) -The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) -Laws Broken : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681a ( 2 ) reporting of excluded information ; 15 U.S. Code 1681b ( 2 ) furnishing consumer report under no permissible purpose ; 15 U.S. Code 1681c ( 5 ) reporting adverse information ; 15 U.S. Code 1681e ( B ) failure to follow reason procedures to assure accuracy of consumer report ; -Liability : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681n Civil liability for willful noncompliance Governing Law : This Letter of Intent shall be governed under the Fair Credit Reporting Act I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX 19 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : ***Equifax 35 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : XXXX 42 accounts listed below VIOLATES the Privacy Act of 1974 ( 5 U.S. Code 552a ) and VIOLATES The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

See attachment of detailed transactions Thank you
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

accordance with the Fair Credit Reporting act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy These address do not belong on my credit report : XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LJ Ross Associates (LA)

I noticed that I have a paid collection from LJ Ross Associates and I have no knowledge of any paid collection or this creditor. I did not receive any notification that this debt belonged to me nor do I have any knowledge of an account I have had with this company. There was no action taken since I did not receive any notification about this debt.
Consumer complaint received 2019-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

Hello, I have a Business account with Paypal. I have been using Paypal for many years. I tried to get a Paypal Card Reader, and didnt hear anything, so I called paypal and the representative told me it was cause I listed XXXX XXXX  on my website ( Never Sold it on my website ), so the Paypal Rep told me to just put on the listing that ( Can't use Paypal to checkout with this item ). So I did as He told me, and then like 7 days later Paypal Suspended my account. I called and the Paypal Rep told me that is was cause of XXXX   listed on my account and AUP team was the only people who could get my account open again. So I emailed the AUP team and provided them with screenshots of emails I sent  saying I put the cant check out with paypal on my website and also a screenshot of the items listed, and never heard back from them, so after over 2 weeks I called Paypal again and the representative called someone in the AUP team and said they wont re-instate my account. The XXXX from XXXX is also XXXX and no XXXX and the 2018 Farm Bill made the product Legal in all 50 states. I have not violated their user agreement policy. I  also removed the XXXX listings from my website. So paypal is holding over {$7500.00} against my will, so stealing and using my money for their own benefit and making a profit by strong arming my money. REF : XXXX-XXXX-XXXX-XXXX-XXXX
Consumer complaint received 2024-02-12
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$0.00} DEPTEDXXXX  XXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$57000.00} XXXX  XXXX XXXX Balance Owed XXXX {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$48000.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

I'm serious about suing your company for failing to investigate and remove inaccurate information from my credit report, as required by the law. I've repeatedly asked you to address the issue with the specified accounts linked to DEPT OF EDUCATIONXXXX, but you haven't taken any action, violating the Fair Credit Reporting Act. Please remove these accounts promptly, or I'll proceed with legal action.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
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. (AZ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AR)

I opened a Citigold interest checking account on XXXX XXXX 2016 after getting an offer via email to receive XXXX AAdvantage miles after fulfilling certain terms. I also saw the same offer at the Citigold website at the time so I knew the offer was legit. I fulfilled all their terms by XXXX XXXX, 2016 and I inquired via secured message on when I can expect my reward to post. I got a reply from XXXX XXXX XXXX that I qualify for the promotional offer and have also fulfilled the terms and conditions and will just have to wait until XX/XX/XXXX for my rewards to post. I sent a follow up secure message on XX/XX/XXXX and received reply on XXXX XXXX from XXXX XXXX that I will not get my reward even if I fulfilled the requirements unless I can show proof that I was targeted to get the promotional offer. I called immediately, talked to representative XXXX, and told him about the message I got from XXXX XXXX that made me confident about getting my reward. I did n't bother to save the email offer because of the assurance I received from XXXX XXXX. I had the impression that she verified that I was indeed on their target list of clients since I have Citi credit cards. The message XXXX XXXX XXXX gave me was very disappointing to say the least. I do n't know if I can trust whatever the representatives tell me in matters like this.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 
I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XX/XX/year>.
Consumer complaint received 2024-02-12
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. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$7100.00} XXXXXXXX XXXX  XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX Balance Owed : {$7100.00}
Consumer complaint received 2024-02-12
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-15
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct it.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

SchoolsFirst FCU CHARGED MY ACCOUNT {$320.00} for a XXXX XXXX vacuum that was RETURNED. XXXX sent an email to me verifying the return. XXXX lied & claimed it wasnt the same vacuum. When I demanded proof, they did not reply and KEPT my money and CLOSED my XXXX account after my having this account for over 10 years. I disputed the charge with SchoolsFirst FCU but they did believe XXXX. I demanded PROOF from XXXX that the return was damaged or not the same. Absolutely NOTHING was sent! XXXX NEVER sent back anything ; never sent proof but they KEPT THE RETURN and KEPT MY MONEY! 

Schools First Supervisor XXXX AGREED with XXXX in spite of the evidence to the contrary and she charged back my account {$320.00} causing my account to go into the negative on XX/XX/2021. 


XXXX & XXXX at XXXXchoolsFirst FCU have demanded that I should have kept and paid for defective items and that I should have had continuously allow XXXX employees to fraudulently use and steal my debit card to make fraudulent purchases on my behalf. 

SchoolsFirst FCU AND XXXX continuously tell me that there is NO ONE who will refund me or who I can talk to or that someone will call you back. No one does but steals my money instead and keeps my account in the negative : /.