davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-27
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: Global Lending Services LLC (TX)

I XXXX XXXX ( natural person consumer ) reached out to company after i noticed the inquires on my consumer report. They stated that they had permissible purpose, So I asked them to provide the document where I gave them permission in Pursuant to 1681b2 It's been over 90 days company has failed to provide documents I originally submitted this on the XX/XX/2022 to CFPB and yall closed my investigation report stating that I already reported this problem, CFPB also mailed a letter to me stating that someone filled a complaint under my name. Suggesting someone other than me submitted the complaint. I assure you I XXXX made the complaint without the help of anyone that did not identify themselves. So CFPB is giving me misleading information as of now because you state one response on your website which is different from what you mailed to me I will attach the letter I received so that you can reference previous complaint to reopen investigation
Consumer complaint received 2022-09-27
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. (GA)

XXXXXXXX XXXX  in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

End of XXXX, i discover that someone did a lot of withdraw totally XXXX in my Citibank account that dont have debit card and never had in XXXX  years a debit like those. This bank account wasnt used. We only had sent money to another account to pay bills. This was an account that we keep more amount of money and nobody has acess only I. 
Then they immediately refund the money and we block that account. And we move all amount to another citibank account that has debits for online commerce and everything. That is the account that occur the payments and everything. Then on XXXX XXXX citibank withdraw XXXX and move into compromissed account and paid those debits. 
I call yesterday XXXX hours and nothing. Today i opened XXXX claim and they told me that they wont refund because my case was not favorable and because this they withdraw the money without any consent. They never sent me a message. I dont know how they could withdraw from this account because i never did on XXXX  years. I dont have any relationship with the companies that make debits there. I fill out a police report also that number is XXXX. Now i had customer that deposit XXXX in this citibank account and citibank dont send me this money back also. I urge need help to solve this. Its my name, its my company name.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (IL)

I received a series of letters from XXXX XXXX, Account Review Manager at US Bank indicating that they have selected to closed my personal and business credit cards. They have provided no reason for such an action. I have reached out to the company and their response is that they have the right to do so. 
I have asked for reasoning and rationale, and they have provided none. As they have cited XXXX separate accounts in a single review, referenced XXXX, the decision is not based on the activities of the account and the banking process, but related to the common point which is the owner of all accounts. As these series of actions is targeting me personally, I believe their action is racially motivated and is individually targeting me. In their letter they are referring to their Terms and Conditions, which allows them to close accounts for no reason. Though the Terms and Conditions allow for closing accounts for no reason, it does not allow them to close accounts for a reason and not provide that reason to the consumer. They are hiding behind their unjust Terms and Conditions that allows them to not provide any justification for their action, therefore, hiding behind the truth that their actions are unconstitutional. 
I like to have someone with legal authority look in to their action as I suspect there is an underlying company process that may unjustly affect many consumers.

I have had a personal and business banking relationship with US Bank for over 30 years. If they are closing a 30 year relationship without providing a reason, it must be because they feel that providing the reason for selecting me would jeopardies their company and give me justification for legal action. Those who have nothing to hide, do not hide behind their bogus Terms and Conditions.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Regarding Equifax Credit Bureau, my reported score dropped XXXX POINTS on XX/XX/22 with no significant changes to my history except XXXX balance DECREASING on credit account. I have had no recent hard inquiries on my credit, no dramatic balance increases, and no reported collections or late payments. XXXX XXXX XXXX both have not reflected this change, and despite signing up for a personal account WITH Equifax on XX/XX/22 for a closer look, there is no further information to be found. I find this unacceptable that there has been such a huge drop in ratings, especially with Equifax 's history of incorrect credit reporting in the past according to the national news reports. This is the SECOND complaint I have filed for unjustified changes in the last XXXX months.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XXXX XX/XX/2022 I requested a {$2000.00} withdrawal from my BECU account via the ATM at the XXXX XXXX XXXX location in XXXX. I spoke with a customer service rep to raise my daily withdrawal limit, which she authorised. 

The ATM issued money, but after arriving at the XXXXXXXX XXXX on XXXX XXXX in XXXX to deposit the funds for rent, I discovered the ATM had only issued {$1900.00}. It never crossed my mind to count it at the time, because in XXXX years of banking, I've never experienced an incident with an ATM. 

I immediately called the BECU customer service line & filed a claim ( # XXXX ). The man I spoke with said that it would take multiple business days to investigate, but that I could check with the XXXX XXXX location to see if there was anything they could do. I spoke with a different customer service rep when I arrived, but he was unable to assist me, other than tell me to wait for the investigation results. 

I received a letter in the mail that the investigation was completed & my claim was denied because the ATM was in balance. I called to dispute the denial, but was denied again. I'm concerned that that {$100.00} was instead issued to the next customer who used the ATM. Regardless, BECU shorted me {$100.00}, and is refusing to take responsibility for their ATM 's mistake.
Consumer complaint received 2023-03-27
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: CITIBANK, N.A. (CT)

I purchased a XXXX stay advertised as Modern Home with PRIVATE Pool & Jacuzzi. I made a partial payment to AMEX and the remaining on a Citicard totaling over {$10000.00}. I did not receive the item as it was described. The jacuzzi did not heat which I have correspondence between the host and I to document. But the worst part is, IT WAS NOT PRIVATE! There was a camera hidden inconspicuously and was not disclosed. Not only did the merchant falsely advertise his product as private but he also committed a crime recording individuals and minors in the XXXX without their consent. I have done everything AMEX and Citibank has requested in order to resolve this dispute. AMEX closed the dispute in my favor. Citibank retaliated against their consumer, me, by lowering the credit line immediately after making the dispute making the entire amount become due vs. a regular revolving account. As a result, they have been negatively been reporting on my credit which has caused great detriment. I have complained several times of constantly being disconnected when I call in. I have several reps who I've spoken to and made promises admitting that Citibank shouldn't have made the whole amount due while in dispute. They have ruined my life, scarred me, failed to protect me and I will let everyone know who will listen until this mistake is reversed!
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

BSI, at our request, closed the escrow component of our mortgage payment and we agreed to pay our taxes and insurance separately, sending to BSI a monthly payment of {$2100.00} ( principal and interest only ). BSI confirmed this in writing twice, on XXXX XX/XX/2022 and XXXX XX/XX/2022. Notwithstanding this, BSI paid property taxes of {$3300.00} to XXXX XXXX XXXX on our behalf, and without our knowledge, on XXXX XX/XX/2022. XXXX then demanded an increase to our monthly payment of {$270.00} effective XXXX XX/XX/2022 ( see notice dated XXXX XX/XX/2022 from XXXX to us. ) However, the XXXX XXXX XXXX XXXX refunded {$3300.00} to BSI on XXXX XX/XX/2022, meaning there was, and is, no reason for the {$270.00} increase to our mortgage payment. Put differently, BSI is now double dipping, having received a refund from XXXX XXXX for the property taxes it paid, while continuing to get {$270.00} from us each month. BSI was made whole on XXXX XX/XX/2022 and is now seeking to enrich itself by way of an increased monthly payment from us, the accumulated amount of which must be refunded to us by BSI immediately.
Consumer complaint received 2022-09-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX XXXX transactions were made through a ATM that I never did. I have called the XXXX department of Bank of America but they refused to refund my money that I thought it was secure with them. The bank response is that it was my card the one that was used when I never used those locations. Today they told me my case is closed and they are keeping the money that we worked so hard to get.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-27
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-27
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. (CA)

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, NO REPORTING for XXXX, and XX/XX/XXXX for Equifax. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX XXXXXXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Equifax. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I am concerned that XXXX, Experian and XXXX are intentionally reporting my credit scores at the lowest level due to the fact that I am an XXXX XXXX. I believe that it may be possible that a comparability of my credit history with others could produce a higher credit score. I have 6 months of late payments from XXXX to XXXX from XXXX, however, have made on time payments since XXXX of XXXX and currently now have XXXX credit cards. I also have significant school debt which is paid on time. In addition, my utilization rate is high, however, if you review my credit score it doesn't move at all? Over the last two years of on time payments it has remained relatively flat? It appears that after two years of on time payments this has no significant positive affect on my score? Currently my XXXX score is on XXXX? I don't believe a score this low accurately affects my ability based on my past to repay a loan?
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Capital one has illegally & inaccurately reported late payments on my credit. 
Dates from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act this creditor ( Capital One ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 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 2022-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I received a series of emails from Bank of America stating congrats on your new account. Unfortunately I was not aware of this new account. Then the next day I received an email from CFPB making the public aware of the CFPB Fines XXXX XXXX  {$37.00} Million for Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customershttps : XXXX # _=_ publication was I did not open an account, it was fraudulently opened without my consent... I'm not sure what this will do to my credit future
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX loans reported my account past due to credit reporting bureau for the month of XXXX and XXXX. Even though my payments were automatically debited from my account for years prior, XXXX stopped debiting my after balance were payed off from original loan, but not the deferred balance from a previous company and automatically report my account as delinquent without notification the deferred balance would not be automatically taken from account like all other payments and I wasnt aware of this I feel they should of made me aware that deferred balance doesnt qualify for automatic payments
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.