davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MD)

Dear Sir, I hope this letter finds you well. My name is XXXX XXXX XXXX. I am writing to file a formal complaint against Citibank regarding their decision to deny my application for a replacement credit card. I believe that the denial was based on discriminatory factors, and I am seeking your assistance in addressing this matter. 

On XX/XX/2023, I contacted Citibank to report the loss of my Citibank credit card and to request a replacement card. A XXXX  of days later, I inquired about the status of my replacement card application, and I was informed by XXXX XXXX XXXX XXXX that Citibank had decided not to issue me a new card. Instead, I was advised to reapply for a new XXXX  card, which would require submitting updated financial information. The customer service representative mentioned that they would be sending me a letter formally notifying me of the card denial. 

I believe that the denial was unjust and discriminatory, as I have had a longstanding relationship with Citibank and have maintained a positive credit history with them. The decision to deny me a new card without reasonable cause and the request for updated financial information feel XXXX  and XXXX. 

I XXXX  reaching out to your office to request an investigation into this matter to determine whether Citibank has violated any consumer protection laws or engaged in discriminatory practices. I believe that every individual should be treated fairly and without discrimination when applying for credit. 

Please let me know if you require any additional information or documentation to proceed with this investigation. I appreciate your prompt attention to this matter and your dedication to protecting consumers ' rights. 

Thank you for your assistance, and I look forward to a resolution to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (MO)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Said furnishers never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (TN)

Originally and im not sure what was reported by the company, i was told several reports.. My first issue I was hospitalized for nearly 2 months, the other person on the loan was put in prison because she was the direct cause of my hospitalization and stole my money all of which was documented, so I called and notified the company, you allowed me to enter in a payment plan to catch back up when I was well enough to work. I was under the impression that wouldn't impact my credit. Your company also forced me in a forbearance thing during covid I never agreed to and when I noticed my payment didn't withdraw I called to ask why.. I WANTED to make my payment and you wouldn't let me ..so after I disputed that with your company you sold my loan to XXXX who also stated they have no record of me even being in a forbearance plan and all of a sudden I was forced to pay that in entirety! which I was able to do but you reported that to my credit and I want that removed immediately!
Consumer complaint received 2023-02-06
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. (VA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-02-06
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-02-06
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. (MD)

My name is 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 2023-02-06
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct or remove them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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.
Consumer complaint received 2023-01-16
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. (NJ)

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. 

( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX  XXXX XXXXXXXX ) ( XXXX XXXX ) ( XXXX XXXX BANK XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Inquiry date XX/XX/year> XXXXXXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX - Inquiry date XX/XX/year> XXXXXXXX XXXX XXXXXXXX - Inquiry date XX/XX/year>XXXX XXXX XXXX - Inquiry : XXXX. XXXX XXXX XXXXXXXX - XXXX : XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry : XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 con
sumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681i 15 USC 1681b-
Consumer complaint received 2023-01-14
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: WELLS FARGO & COMPANY (GA)

In XX/XX/2021, a debt validation letter was sent to Wells Fargo & Company in XXXX XXXX XXXX. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. Under duress, I paid the entire remainder of the loan that they never proved to give me completely off. They still reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. The XXXX XXXX XXXX ( acting as XXXX ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and XXXX to furnish damaging information.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AR)

I was buying a house in XXXX, Arkansas At XXXX XXXX XXXX XXXX, Arkansas, XXXX. 
In XXXX I entered into a Contract of Sale Owned by XXXX XXXX, ( Desease ) XXXX XXXX. 
I paid XXXX monthly. This doucement was filed in : XXXX XXXX, Arkansas, on XXXX XXXX. 
It is recorded in XXXX XXXXXXXX XXXX  XXXX. After making payments fro 5 months. 
XXXX XXXX died. 
A law firm representing Wells Fargo. By the name of XXXX XXXX XXXX XXXX  XXXX XXXX, Arkansas. 
Sent me a letter stating that Wells Fargo Had foreclosure on the property .I had 20 day 's to leave the property. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I still feel I was treated un justly.l reached out to Wells Fargo,. 
I spoke to XXXX XXXX about this matter. 
I never heard from her.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

I filed a complaint with CFPB against Chase for refusing to release {$15000.00} that a client paid for services I provided them. Chase 's XXXX XXXX  and We Pay credit card processing business is notorious for crushing small businesses by holding credit card payments made to small businesses. They have bankrupted so many businesses and caused me many issues and stress and problems I can not get out of. Since Filing a complaint against Chase, I received a text message saying my Account was closed and when I called, I was not given any explanation why. So once again Chase Has caused financial hardship XXXX  XXXX XXXX  XXXX  that i never deserved. All I did was use chase for credit card payments thinking it was smart since it was 'Chase ' and then my life was destroyed because of it.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/year> I called USAA customer service to see if my credit card had any 0 % interest offers because I wanted to do a balance transfer. The customer service rep said there weren't any active offers available.

I then went onto USAA.com and applied for the visa signature credit card which offers " Get a 0 % intro XXXX for 15 months on purchases. After this time, the variable regular APR of 17.15 % to 31.15 % will apply to these introductory balances. '' I was approved. 
I signed the paperwork under the understanding that this is what I would be getting since this is what was advertised. I then did a balance transfer and it went through on XX/XX/XXXX and I am now being charged interest on the balance I transferred. 

On XX/XX/XXXX, I called USAA and talked to XXXX. I asked why I was being charged interest on a 0 % interest offer and they told me that the card I signed up for didn't offer 0 % interest. And the only 0 % interest offered on the card I was approved for was on purchases not balance transfers. She said that my first USAA credit card was the one that had 0 % interest on balance transfers which just happened to be conveniently offered on the SAME DAY that my balance transfer posted on my second USAA card. I asked XXXX if I could transfer the amount of my second USAA credit card to the first since that offered the 0 % interest and she said I couldn't. 

I said that that wasn't the offer that I was posted online and she passed me to XXXX in the customer relations department. After being on hold for over an hour, XXXX told me the same thing that XXXX had said. 

After looking back through the fine print of the offer, I see that they changed the offer without notifying me of the change being different than what was offered on their website. 

Because of this, I've now been charged a balance transfer fee of 5 % and am also paying interest. It's very very deceptive. After researching further, I see that I'm not the only one this has happened to per consumeraffairs.com.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (MI)

My COMPLAINT XXXX is obligated by the F'CRA to report accumte accounting. consumer has advised ALL the inquires reported was fraud, said company hnd 4 days according to LAW to remove such items. PTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX XXXX IS days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink siganture, consumer is Not asking for an XXXX report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXXXXXX 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 i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refitse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank toward me as a consumer have been treating me and affecting my credit wrongfully. I received a letter dated XXXX ( attached ) I opened this card through Lowes back in XX/XX/XXXX. I have not used the card since. 
Synchrony has treated me very unfairly and rude. They lowered by credit line " twice '' to what I owe on it and for no reason and negatively affecting my credit score. My payments have been made every month and I am on automatic payments now. Now again this month, XX/XX/XXXX, they lowered it again to what I owe on it for no reason. The letter states these reasons which are highly mannered to attack consumer for no good reason : *High ratio of balance to credit limit over the last 3 months is too high on this account. *The ratio of last payment to amount due is too low. *The number of months since the account was opened is too low. *The average payment on this account over the last 6 months is too low. Again, I have not used this card since almost a year ago and they have been constantly monitoring my credit and mishandling my credit bureau score. They have lied on the letter about my score which is XXXX points lower than my actual score. I spoke to a XXXX who would not give me his last name or any other ID today and complained to him about this letter I received and the reasons they gave are completely wrong and inaccurate. He stated they do quarterly reviews of my credit report. I told him the reasons on this letter are wrong. Every month my minimum payments are made and these payments have been put on Autopay also. So these reasons are completely inaccurate and I advised they are affecting my score negatively every time they pull down the credit line which I was originally given XXXX and they decreased it to what I owe TWICE for NO GOOD REASON!!! I have not used the card since XX/XX/XXXX LAST YEAR and I have been making every monthly payment since!!!!! This bank is screwed up. Also, they are now adding a monthly charge of XXXX a month to your balance owed for paper statements if you don't opt out of paper statements.