davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citibank. 
I wrote a check for {$10000.00}. to XXXX XXXX in Virginia as a deposit for the purchase of a property in Virginia. We reside in California. We began to receive text and email " Fraud Alerts '' from Citibank. Citibank wanted us to push a button that said that we 'DID ' or 'DID NOT " write check # XXXX on certain day for {$10000.00}. Well, we did write a check for {$10000.00}. but the check was check # XXXX, not # XXXX. We did not want to push the button for the wrong check number, but we did not want to jeopardize the purchase of the property, because we did indeed write a check for {$10000.00}. on said day. We drove to Citibank in XXXX XXXXXXXX, California. The banker, at her desk, had us call an XXXX number. When we spoke to the Citibank Representative, she was useless and had us call another XXXX phone number for another department .... and around and around the XXXX phone numbers we were routed. No one could help us and we finally gave up. The bank representative at XXXX XXXXXXXX Citibank had us move from her desk because we were on hold for so long. 
The bankers at Citibank would not help us resolve this ; they either could not, would not, didn't have a clue as to what to do, or did not have the power to effect a resolution. 
We were floored and finally left, problem unresolved. 
I called the real estate agent in Virginia, who said ... .. " well, I dunno ... .. just push the button, I guess. '' So ..... I did. 
I don't think it was fraud, I think that the electronics picked up a 6 instead of a 5, that the electronic 'eye ' read XXXX instead of XXXX. But, shouldn't Citibank be required to intercede and resolve this check number inconsistency? 
BUT .... not one in Citibank could/ would help me resolve this! We were in the bank in- person. They could not or would not over-ride the system or communicate with the fraud unit to resolve this important matter ; all they did was tell me to call an XXXX phone number.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

In or around XX/XX/2021 I requested an investigation of the inaccurate information concerning my credit file to all credit bureaus. The request was to provide the source of who reported bankruptcy/dismissal of bankruptcy on my credit file. Within 30 days the credit bureaus have failed to comply with the request of the inaccurate information. Therefore the public records inaccurate should be deleted/removed. 
I have never filed for bankruptcy and only XXXX deleted/removed the inaccuracies from my credit file. 
Please have this incorrect information bankruptcy/ dismissal of bankruptcy deleted/removed from my credit file within a 10 day period. Or I will seek monetary relief.
Consumer complaint received 2023-06-06
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX/XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX  XXXX Inquired on XX/XX/XXXX  XXXX  XXXX Inquired on XX/XX/XXXX  XXXX XXXX  Inquired on XX/XX/XXXX  XXXX XXXX  Inquired on XX/XX/XXXX  XXXX Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (TX)

In accordance with the fair credit act, XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX, XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX and 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 an account without my written instructions.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EGL US, LLC (TX)

XXXX XXXX XXXX A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. ABSOLUTE RESOLUTIONS INVESTMENT WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

15 U.S.C 6802 1 ( a ) ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I filed a dispute with Experian on XX/XX/XXXX advising that I received a letter from XXXX XXXXXXXX XXXX, dated XX/XX/XXXX, denying a credit application that was filed under my social security number. I never submitted this request so this means someone used my social security number. I was advised that it will take up to 72 hours to process and up to 30 days to complete the investigation. I received a determination 2 hours after I filed my dispute that the hard inquiry will remain on my credit report. This is outrageous. I also filed a report with the FTC.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (NY)

U.S. Bank N.A. charges a usury amount of interest on the revolving debt of this account. They have neglected to perform, ongoing, due diligence on this account and have maintained a predatory level of interest despite the fact that the creditworthiness of the account holder is in the top 3 % of borrowers with regard to 'credit score. ' They have failed to take into account the payment history, and the fact that no balance has been carried for longer than 31 calendar days since XXXX XXXX. Additionally, no 'late ' pay has been registered on this account for over a decade and a half ( FY XXXX ). The interest rate ( APR ) on this account needs to be reexamined, readjusted, and reset to reflect the account holder 's creditworthiness.
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a credit card with Bank of America and I scheduled a payment of {$300.00}. That payment returned for insufficient funds. It's an account I use to pay bills and I made a mistake with my balance. 
I called the bank customer service and asked if that amount would be charged again and the associate I spoke with said it wouldn't because she could not see anything to be charged on her system and I would have to reschedule a new payment manually. 

I did not schedule anything on the same day and when I checked my account the next day, the amount was being charged again and returned with insufficient funds again. 

They canceled my card for that reason. I did not have any payments overdue. They even said that was not justifying reason to cancel my card, and they would do that based on my debit amount with other institutions. However all my payments are on time. 

I've called them around XXXX weeks ago because I want to negociate my debit and the person who I talked to was really rude, screaming at me and justifying her rudeness saying that I had payments returned because of insufficient funds! I requested that she treated me polite and with respect, but the more I asked, the more she screamed at me with because I had my payment returned. I felt really discriminated by the way she treated me, especially because I'm a hard work person, who works 3 jobs to pay my bills on time, as my credit score shows. 
I felt humiliated by Bank of America. The way they treat people they can not profit from. They had no reason to treat me like that, I always paid them, at least the minimum amount on my card. 

What I want now from Bank of America is not the credit card anymore, but the discount on my debit due to my difficult Financial situation.

They have already caused damage to my credit score by simply canceling my card. 

They treated me with discrimination because of my financial situation and you can see that on the phone calls that I believe they have recorded.

I want them to listen to the 2 phone calls I had with their associates : The first one in which I asked if I would be charged again and the second one in which their associate treated me aggressively and with discrimination.

They can't just do that to people who are going through a difficult time, but paying on time.
Consumer complaint received 2023-10-20
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. (PA)

I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report. These are the the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-16
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

Chase Bank took out a large amount of money over {$5000.00} between XXXX XXXX. This was more than what the statement was for which was just over {$200.00}. They returned it after contacting them on the XXXX and on the XXXX took it out again. I did ask the Rep prior to getting off the phone if they payment will all be deducted once my money was return and was told yes. This has placed my bank account in the negative which is affecting me, my family and household in a drastic way. After speaking with a supervisor XXXX XXXX about the matter, he insists that there is nothing that he can do until the XXXX in which it should fall off. My question to him was what I am to do concerning my children and the automatic deductions which will be coming out of my account? and his recommendation was raising my credit limit higher. How is this supposed to help me by adding more depth to my accounts I asked him and all he can say is sorry, but he can not do anything to help. This is ridiculous that with a push of a button a company such as Chase Bank can remove a customer 's money, leaving it in the negative, but the customer must wait days before our money can be returned to our accounts?
Consumer complaint received 2023-06-05
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. (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.

The letters are stated with items and issues.

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 2022-09-18
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. (GA)

In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX and # 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 XXXX : It also states a consumer reporting agency can not furnish an account w/o my written instructions
Consumer complaint received 2023-06-05
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. (TX)

in accordance with 15US. CODE 16821C-2, I wish to request deletion of wrong addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And under 15US. CODE 16821b, the address should be deleted immediately, this address is an act of identity theft, it should be deleted immediately.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (TX)

In accordance with 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX I XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have a 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 2023-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

I am writing again to request a reasonable and more affordable loan modification for the property at XXXX XXXX XXXX XXXX XXXX, MD XXXX. In response to complaint ID XXXX and XXXX. 

When offered the new loan modification, my gross income before taxes is {$2500.00}, after taxes my net income is {$1700.00} as a full-time employee. I am currently still on short-term XXXX and my estimated return to work is now XX/XX/2023, whereas my current gross is {$1700.00} and my net is {$1100.00}. 

Based on my current expenses and the new loan modification {$1800.00} with the increased interest rate of 3.375 % to 6.875 % is not affordable per month, I asked that you alter my previous payments to the original monthly payments of {$1400.00} using the existing unpaid principal balance of {$150000.00} and not the new modified unpaid principal balance of {$170000.00} of {$1800.00} per month in payments. Aside from the interest rate and outstanding balance due what other factors were used to determine my new modified monthly payments? 

I can be contacted at XXXX.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XX/XX/XXXX I was scammed out of {$500.00} from a buyer on XXXX XXXX! he was suppose to be purchasing a washer and dryer from my XXXX  daughter who has XXXX kids and was getting evicted! so i was trying to help her out this guy XXXX XXXX offered to purchase the set for the asking price of {$900.00} he supposedly XXXX  the money and XXXX contacted me and said in order to get the funds he sent i had to send {$500.00} because my account wasn't a business account once sent then i could withdraw {$1400.00}! my daughter was desperate im thinking this was legit, but i was WRONG!!!
Consumer complaint received 2023-04-05
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. (NY)

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, 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 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-05
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$7600.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, L.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.