davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (AL)

I opened a new savings account with Citi Bank in XXXX. 
I made deposits of : XX/XX/XXXX - {$6700.00} from XXXX XX/XX/XXXX - {$500.00} from XXXX XX/XX/XXXX - {$2500.00} from XXXX XX/XX/XXXX - {$440.00} On XX/XX/XXXX I transferred {$5000.00} from XXXX, which Citi Bank flagged as suspicious ( after accepting my {$5000.00} deposit ) and locked my account. On XX/XX/XXXX I received an email stating my account would be closed within 60 days. I have called Citi Bank numerous times and get different answers each time. I have been told twice, that {$0.00} was due to client. The lastest is that Citi Bank will send me a check for {$3100.00} within 10 days. When I asked about the rest of my {$12000.00} plus funds, I am being told that I must contact XXXX and XXXX for them to retrieve my funds, because Citi Bank will not mail me a check or return the funds to my accounts. It has been over 3 months now and I have not received any of my funds.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE (CA)

On XX/XX/XXXX, I applied for a mortgage loan ( refinance ) with American Internet Mortgage XXXX Inc. ( AIM Loan ). AIM Loan quoted the lowest loan processing fees out of all the lenders I applied with. A few weeks after receiving the initial loan estimate, AIM Loan advised of fees for services they knew were required from the beginning, such as completion of a condo certification and the requirement for the property address to be listed on the Master Policy. I noted that since the services were required by AIM Loan and known during the application process ( when I identified my unit as a condominium ), estimates of required third party services and fees should have been listed in advance. AIM responded that these services ( condo certifications, etc. ) are usually free so the fact that there was now fees were 'material changes ' they had no way of expecting and were just notified of. AIM noted on the same day as my complaint that the appraisal for my unit had also just come in at less than the estimate I had on the application, which would also result in a 'material change ' in circumstance. What I've noticed in the appraisal report is that in addition to the date of the appraisal being incorrect, the appraisal uses lower sales comps from XXXX - XXXX XXXX, even though higher sales comps ( including one of the exact same floor plan and model in my complex ) was available for XXXX XXXX and is what I based the property value estimate in my application on. It seems the lender is influencing and justifying significant additional fees during the underwriting and closing process by falsely claiming 'change in circumstance ' events in their disclosures.
Consumer complaint received 2023-01-31
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: JPMORGAN CHASE & CO. (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

As of today, XXXX Citibank credit cards reduced all revolving credit limits on my accounts ( 3 accounts in total ) by {$15000.00} and advised they were not able to provide any information as to why. I was told it was in regards to an XXXX report they received but there was no new activity on the report for several months. I was told I needed to contact XXXX directly for the reasoning which I did and XXXX advised they simply provide the report to the credit card company and all decisions made were in the hands of the credit card company. I called the citi cards again advising what I was told by XXXX  and then they advised it was a decision by citi bank and not them as a credit card company. Ive been a customer since XX/XX/XXXX with citi and always been in good standing. Ive never had a late payment, always paid more then the minimum and actually paid off all limits on those cards last year down to a XXXX balance. I have a fico credit score of XXXX and have not missed a single payment through all of covid. It feels very unjust that Ive been a good customer with no prior issues and had all of my credit limits removed without justification. I have a feeling this is due to the financial impacts they have faced through the course of covid as a company allowing debt relief and assistance for others and Ive become a casualty of that.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

There was a fraud charge in the amount of about {$14.00} by a company named " XXXX '', most probably an affiliate of this credit card company, whom I had never heard of, sometime in XXXX, XXXX and XXXX 2020. As the result of this fraud charge sometimes the bill amounted to over {$100.00} due to late and finance fees. However, after contacting the credit card company, named HSBC, the fraud dept. confirmed the fraud and I was reimbursed with the finance fees and late fees at sometime. Unfortunately the next statement there were still some late fees and finance charges were on the statements. However, since 5 months ago I have talked to 7 different people in the fraud departments and customer services and they all have promised to bring the balance to XXXX but they just refund some late fees and finance charges but the balance never goes to XXXX. I have spent hours of talking to representatives of this company located in XXXX and XXXX named XXXX, XXXX, XXXX, and XXXX without success despite of their promise that they would bring the balance to XXXX. Please help as I have never had such a terrible experience. Thank you
Consumer complaint received 2021-02-25
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. (SC)

I sent a Certified Dispute Letter to Experian ( Tracking # XXXX ) and it was received on XX/XX/2021. 36 days have passed and I haven't received any response from Experian. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I received a letter from XXXX  informing me that they received information from Lexis Nexis Consumer Center that there is a Bankruptcy under case ID XXXX in my name. I check with the Bankruptcy Courts in XXXX Florida and was informed that there is no Bankruptcy being reported under my social security number. 

I'm requesting that Lexis Nexis Consumer Center and XXXX  remove the information from my credit report.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: United Revenue Corporation (TX)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for UNITED REVENUE CORP to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you IF ANY INFORMATION SUCH NAME AND BIRTHDAY IS MISPELLED REMOVE AND DELETE FROM MY REPORT THAT IS NOT ME.

Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

My name is XXXX XXXX and on XXXX XXXX I got paid also my money got took out my bank account by someone I didn't know are authorized them to not do.i paid some bills on that day and some of my money got took and transfer over to caspapp that day.the amount of XXXX $ cashapp saying I authorize that XXXX are someone to send my money to XXXX and to a place call XXXX I didn't authorize it someone open an application in my name and XXXX company call it fraud and stop the application I have sent cashapp documents and they will not investigate it just saying the case close because I did try to file a fraud on cashapp they want look at nothing I sent them documents and they just keep saying its my fault that this fraud happen.I don't have a chance to present proof to them cause they saying it's nothing they will do for me I think it is unfair to just say this fraudulent is my fault and didn't look into but a few minutes and sent me an email saying it's my fault. They got it from my XXXX XXXXXXXX bank they reimburse me cause I sent them documents thats proof and they seen it was fraudulent so they close the account and made funds permanently but cashapp want let me close the account cause they say I owe them XXXX $ from fraud activity that XXXX XXXX took back from them, it was XXXX $ the person did the fraud but cashapp got a percentage of the XXXX activity and saying I owe XXXX $ please help me resolve this matter through cashapp cause they want take no documents from me and they also said any suspicious email I get to send it in I did that and they still say isn't anything they can do. I will be sending these documents that shows the iphone went into my account and added they info to steal my information to do this fraudulent transaction and XXXX says it was suspicious, they hack my XXXX account, my XXXX, and my bank to transfer it ti cashapp cause they kno cashapp wouldn't do the work.
Consumer complaint received 2021-02-25
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. (TN)

On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations. 

How did you verify these inaccurate accounts? 

Did you talk to the court and if you did who did you talk with at the court? 

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I received a letter from Equifax informing me that they received information from XXXX XXXX XXXX XXXX that there is a Bankruptcy under case ID XXXX in my name. I check with the Bankruptcy Courts in XXXX Florida and was informed that there is no Bankruptcy being reported under my social security number. 

I'm requesting that XXXX XXXX XXXX XXXX and Equifax remove the information from my credit report.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

This complaint is a follow up complaint to my previous complaint that I had filed against Citibank. Yesterday On Thursday XX/XX/2020I received a letter in the mail from Citibank which states their final results into there 90 day resolution to track down and recover my XXXX dollars plus that was stolen directly from my Citibank account they provide a paper which shows their is no authorization for the transactions and amount stole at the bottom of the paper it states if you agree to these charges and total please sign here there is no signature because I did not authorize those charges. It doesn't even make sense for Citibank to provide me with what they call " evidence '' and it proves my point that there was no authorization! That's why the company does not have my signature or approval on any of their paperwork that states the amount they stole from me. ( Attached to this complaint is the 2 pages Citibank sent to me via mail ) Citibank needs to return my money that they allowed to be stolen from me. EVEN WITH THE PROOF THAT XXXX XXXX XXXX  PROVIDE CITIBANK WHICH SHOWS THAT I DID NOT AUTHORIZED ANY OF THE CHARGES CITIBANK STILL REFUSES TO RETURN MY FUNDS!!!
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am the victim of an identity theft where a credit account for {$4000.00} was opened using my information. Part of the false info used indicated I lived in the State of Indiana. I have never lived in Indiana, and I have significant proof of my residency. I filed a police report for identity theft and notified the creditor of their false account using my stolen identity. I also notified all three credit bureaus and provided sufficient proof that the account in question was fraudulent. XXXX has ignored the evidence and is still assessing ownership of this fraudulent account to me.
Consumer complaint received 2023-02-01
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. (LA)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). These items have had a significant negative impact on my credit score and I believe they are inaccurate. I request that you investigate these items and remove them immediately from my credit file. 

XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I do not recognize this account, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX  XXXX XXXX  - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

I kindly request that you investigate these items and remove them from my credit report as soon as possible, as per my rights under the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-21
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: Bridgecrest Acceptance Corporation (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : BRIDGECREST ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

w/Gratitude
Consumer complaint received 2021-02-25
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. (OH)

This is a little crazy because I have never heard about these accounts on my file. I have issues during the COVID -19 Pandemic with my information being compromised I have no ideal who of what theses account are : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. I need these accounts removed/deleted asap. Please let me know what I need to do to see who is using my information.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, BANKRUPTCY Account # XXXX, BANKRUPTCY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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.