davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My debit card, account, online access where locked on the XXXX of XXXX XXXX On the XXXX, I called Citi to the Fraud department where they explained they locked my account due to " suspicious activity ''. I had deposited a check for {$23000.00} the day before. 

They wanted to verify if the deposit and I confirmed that it was. I also confirmed who the payor on the check was. They also reached out to that person who confirmed that the check was valid. I was told that in 24-48hrs after investigation that I would have access to my account. 

On the XXXX XXXX XXXX, I called the Fraud department and they repeated the same. They told be to call back again on the XXXX. On the XXXX XXXX I went to my local branch and explained to the manager what happened. He looked into the system and confirmed that my account was locked and that my account was slated to be closed for NO APPARENT REASON. I was then told that I would get a letter in the mail in 5-10 days and that Citi would send my money back to me within 30-60 days. I told him that this was outrageous and that I wanted my money back immediately since I had confirmed from the payor - a customary business associate - that everything was fine with the check. 

I then call the Fraud dept. and explained everything again and they repeated the same policy about 5-10 day letter of explanation and then 30-60 day return of the funds. I then requested to speak to a Supervisor. That Supervisor contacted the payor on the check XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX who confirmed the validity of the check and transaction. We were all on the fone as a conference call. AND the Supervisor separately talked to XXXX XXXX via a call to him from the Tennessee office. 

She called me back and confirmed that the transaction was valid and that she would be sending an email to a n " investigator '' who would review things and then release the restrictions on my account in 24-48 hours!!

I want help in : 1. unblocking my account 2. I want my money back IMMEDIATELY not 30 - 60 days. That is nonsense.

There was no reason to restrict my account, no close my account, no refuse to return my money IMMEDIATELY.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( any company reporting the late payment** ) such authority.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (IL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Simply trying to request Wells Fargo bank to bring down the monthly mortgage to more reasonable and affordable monthly payments. We requested this in our Modification application form that we filled out and sent with all pertinent documents required by Wells Fargo bank for the modification of our home loan. I just received an email from Wells Fargo bank that they closed my application for mortgage modification on XX/XX/2022, stating that there was " insufficient information ''. I disagree with this because all the documents were sent and I have file records of this completed. This is so very unfair how big corporate banks like Wells Fargo can do whatever they want. They received government bailouts and should be more understanding about how families are going through a lot of economic Challenges during this pandemic times. We are bringing this up to this Reputable organization With hopes we can A voice for others going through what we are experiencing. 
Thank you for your kind attention.
Consumer complaint received 2022-12-06
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. (MT)

In accordance with the Fair Credit Reporting act, 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
Consumer complaint received 2022-12-06
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. (IL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

The bank is denying my request for reproduction of documents under rge Freedom of Information Act. ( FOIA ).

I requested from Citizens bank to privide me with a copy of all the emails that they received from me, in regards to some transactions dispute.

To date, the bank never provide me with the requested email communications.

The bank is in violation of the Freedom of Information Act. 


The bank should, urgently, provide me with all my email communications with their offices in regards to all my claims and transactions dispute.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

This is another complaint. 

Truist Bank has just sent me another letter stating I missed a payment. 
XXXX XXXX  confirmed that the issue lies with Truist Bank. Truist Bank acknowledged their error to myself and the XXXX representative. 
Yet, I receive another letter saying I missed a payment. 

Obviously, Truist Bank has issues managing it's accounts. A full audit should be performed immediately.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (GA)

I am writing to bring to your attention a recurring issue I have been experiencing with LexisNexis regarding the erroneous linking of my personal information with that of my XXXX XXXX sister, as well as the reversion to outdated information. Despite having disputed this matter with LexisNexis in both XXXX and XXXX, the problem persists. 

This year, I encountered difficulties with security questions related to my employer travel card through XXXX. Upon contacting XXXX, I was advised to communicate directly with LexisNexis to dispute and rectify the security information they have on file. Consequently, I requested a full disclosure report from LexisNexis last month. However, I received a letter dated XX/XX/XXXX, stating that they are unable to process my request due to an inability to authenticate my identity. 

Given that my state-issued driver 's license is accepted by the TSA as a valid form of identification, I am perplexed as to why it would not suffice for LexisNexis to authenticate my identity. I would appreciate it if you could provide clarification on this matter and assist in resolving this issue promptly.

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (MT)

In accordance with the Fair Credit Reporting act, 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
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-06
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: SYNCHRONY FINANCIAL (TX)

In accordance with fair credit Reporting act XXXX Account ending in # 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 an 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 purpose.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (FL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIBANK, N.A. (CA)

I am missing money CD 's XXXX, XXXX, XXXX, total {$75000.00} then I am missing that check see attachment for {$50000.00} Citi Bank cashed my check XXXX. The Citi Bank has my money in they do not want to tell me. See attachment last bottom page What would be a fair resolution to this issue? Please get my money back
Consumer complaint received 2022-12-06
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (FL)

This company has profusely tried to call me and harass me to pay a debt that I am not responsible for. The age of the debt is past the statute of limitations in the state of Florida and has been resold and taken off my credit numerous times. Not only that, but they have called my job several times in the past, have called my husband harassing him about this debt while they have my phone number. Today on the phone, I was scolded by a debt collector after I informed her I was in a meeting and couldnt deal with another harassing call from this company. She refused to take my answer and kept pushing for a forced payment for this debt that Im not responsible for.
Consumer complaint received 2022-12-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

Your company falsely reported in defamation of my character. Further you created a deceptive form that made lenders and creditors, believe that i was not an idle XXXX to extend lines of credit too. Further pursuant to 15 usc 1681 ( a ) ( 4 ) A consumer reporting agency must exercise their grave responsibility to reporting 100 percent Accuracy and credit reporting. Due to your inaccuracies and non-verifiable information 0ver a XXXX hard inquires. other people 's information blocking me out of monitoring services, XXXX i have been trying to have you guys fix for over 4 months now not able to place credit freeze on my report. denied personal loans, extension of lines of credit as well. and multiple other violations under the XXXX. That my lawyer has been documenting. It's on file with Equifax that i was a victim of your data breach as well. This is a formal notice to let you know my attorney that will be representing me on these multiple violations Equifax is responsible for. and will be held accountable in state and federal court. thank you for your prompt and immediate response to attending to this matter
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These reports are inaccurate and and my right to my privacy has been violated. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am the victim of identity theft. I have fraudulent charges to my credit cards and when I attempted to dispute them with capital one, they closed my accounts and refuse to remove charges. They are reporting late and closed accounts to the credit bureaus, ruining my credit. When I tried to trade my car in, I was denied because my credit score was XXXX. It was 650+ before this.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (GA)

EXETER FINANCE CORP has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to talk nor write nor drive so its FRAUDULENT and i would like it REMOVED IN 5 days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached
Consumer complaint received 2022-12-06
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: Financial Assistance Inc (NV)

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND 1099 C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts