davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I am here to file a complain against Citi bank in CA. 

The situation is as follows : In XX/XX/year>, I closed my XXXX XXXX XXXXXXXX XXXX account for XXXX XXXX XXXX and received a cashier 's check for USD XXXX. In XX/XX/year>, I opened a new account at Citi Bank under the same company name and deposited the check into the corresponding XXXX XXXX XXXX account at Citi. I also transferred USD XXXX from another account into this company account, bringing the total to around USD XXXX. 

However, on XX/XX/XXXX, Citi Bank closed my account. After waiting for three months, expecting them to issue a check for my company, there has been no response. Despite repeated communications with Citi Bank recently, they refuse to issue a check, even though they have already deposited the XXXX  check into their account. They are asking me to request XXXX XXXX XXXX to ask Citi Bank to return the check to XXXX and then have  XXXX issue a new check to me. I have consulted with XXXX  and they do not handle any matters related to closed accounts. 

I wish to file a complaint against Citi Bank for this unreasonable request for the following reasons : I had already deposited the check at the counter. Citi Bank did not raise any objections or contact me about any issues with the check after it was deposited, and the funds from XXXX had been transferred to Citi. 
The action now being requested by Citi Bank is illogical, as they have already accepted the check. 
I have attached the relevant documents following my account opening at Citi Bank. These include : Documentation showing the checking account number for the company account opened. 
Details of the check amount I deposited. 
The letter from Citi Bank notifying me of the account closure. 
A photocopy of the XXXX  check I deposited into the Citi Bank account.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-11-22
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. (TX)

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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sent and called about account to verify be of Two accounts being reported from this company under XXXX XXXX XXXX XXXX XXXX XXXX ) That was settled XX/XX/year> by still reporting under the account number w/ Derogatory remarks with late payments
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

This means that whenever the FCRA is broken, it makes the banking system less effective. Because I decide what is on my consumer report and what is not, this is an invasion of my privacy. If any of my accounts are written off without my writing permission, that is identity theft.

There are two laws being broken here : 15 U.S. Code 1681b ( 2 ) and 1681c-2. This means that the credit reporting service can be sued in civil court for negligent and willful noncompliance under 15 U.S. Code 1681n. This allows for a {$1000.00} fine per violation for listing my account without my written permission.
Consumer complaint received 2023-04-26
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. (MS)

This is my 6th 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. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX
Consumer complaint received 2023-07-12
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. (LA)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Credit 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. (NJ)

I had prebooked XXXX XXXX car from dealer XXXX XXXX XXXX XXXX located in XXXX, NJ. Amount of {$2000.00} was paid as refundable deposit on XX/XX/XXXX using Citi Visa Card ending XXXX. 

The car manufacturing was delayed by XXXX XXXX until XXXX and I ended up canceling my booking in XX/XX/XXXX. XXXX XXXX processed refund in the amount of {$2000.00} on XX/XX/XXXX to my Citi Visa Card, to the same card that was used to make the booking. A copy of the credit card refund transaction batch processing has been provided by XXXX XXXX as a proof that the refund has been processed from their end. 
On about XX/XX/XXXX I saw a {$2000.00} pending credit on my Citi Visa Card online account from XXXX XXXX. That pending credit transaction vanished the next day. I followed up with XXXX Customer Service inquiring about the credit and was advised that it was normal process for pending credit to disappear, to give it a week for credit to be posted into my account. 
It has been more than 3 weeks since XXXX XXXX processed credit and I have not yet received it. 
I have followed up several times with both XXXX XXXX and Citi Customer Service. On XX/XX/XXXX I met with XXXX XXXX XXXX in person at their dealership. I was assured that they have processed the credit and amount of {$2000.00} has already been debited from their account. I called Citi Customer Service in XXXX XXXX 's Accountant presence, and we ( XXXX XXXX, Citi Customer Service, myself ) discussed on speaker phone about who is holding the money. 
There is not outcome yet and at this point neither XXXX XXXX nor Citi Visa Card can provide an update on where is the money.
Consumer complaint received 2024-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Fraudulent, and unauthorized hard inquiry dated XX/XX/, needs to be removed and reported back to the credit bureaus for removal from my credit report. I do not recognize any application done with Capital One Bank and its is a case of identify theft.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (FL)

Had a 1st Mortgage with Wells Fargo and a Line of Credit. My home went into Foreclosure. I tried to modify the Mortgage twice and never got a response. On the Third Modification it was denied, and I appealed and still nothing. I spent hundreds of dollars on Attorneys. In XXXX my mortgage got Sold to XXXX and then to XXXX XXXX. My Home flooded in XXXX and due to conditions and good attorneys my foreclosure got delayed. In XXXX I was able to sell my home and satisfied both Loans. I have contacted Wells Fargo trying to recoup some of my expenses and fees and they don't even have me on their system. I don't know what to do. They miss handled my case and took advantage of my situation in every way possible. Need guidance as to what to do. 
My loan number for the 1st Mtg. XXXX My Loan number for the Line of Credit XXXX My home address was XXXX XXXX XXXX XXXX XXXX, Fl XXXX On the Credit Line when Wells Fargo sell the mortgage to XXXX they started to Force place Insurance when there was Force place Insurance already by Wells Fargo and when Sold XXXX placed XXXX XXXX Insurance as well. Attached is the Pay Off letter showing all the fees which I paid at Closing. 

On the 1st Mortgage side I am attaching all fees which where placed at Closing. Document is from Attorney representing Bank. and they got every penny.
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIZENS FINANCIAL GROUP, INC. (MT)

On XXXX at XXXX hours I called and spoke with a representative and told them to stop calling me as they repeatedly call me multiple times a day and I had acquired the service of a debt management company to handle these matters. I offered their contact information but the representative refused to take it.
Consumer complaint received 2024-02-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

I received a Vanilla Visa gift card for a closing gift for my house for {$120.00} and the card never worked at any store nor was I able to procure the balance to it. The company phone number left me on hold for 40 minutes at one point. I tried calling XXXX and they sent me to the same number! I called that again and was on the phone for another 20 minutes. They don't respond, and at one point that number would not go through. I've seen numerous complaints about these cards online. The company ignores the complaints. It suits them because the money gets paid to them and you can't track where they were purchased from at all. Convenient. I think these cards should be more traceable because this is clearly a big easy money scam for XXXX when these companies are taking 25-39 % on every dollar they loan to people.
Consumer complaint received 2024-01-30
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: White Jacobs & Associates (CA)

Hired White and Jacobs - Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX to help with credit repair. They required payment upfront, which at the time I did not know was illegal. Paid them additional monthly payments. They were not able to assist in any capacity, were incredibly rude and difficult to work with, made promises they could not keep. I requested a refund and was ignored.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have repeatedly requested validation of this debt but have not yet received any evidence proving my legal responsibility for it. Despite sending a notice to the collection agency, which went unanswered, and writing to the credit reporting agency for verification, I have still not obtained any confirmation that the debt is rightfully mine. As of today, this debt continues to appear on my Equifax credit report.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance Owed : XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MN)

On XX/XX/XXXX I tried to open my online savings account with Marcus Goldman Sachs and I found out that it was temporarily locked. They then told me that they can not help me at all on that day on XX/XX/XXXX. I then called the company the next day to find the reason for this and they told me that they could not verify my identity because my number was not in my name. Then they told me to wait for five business days and to call them again because they would have found in a strategy to verify my name and my identity. One of the customer service people told me that if I had a new number that was different from my old number then maybe they could verify my identity through that number. This was a lie because after the 5 days I called them and they told me that even with the new number they still can't verify my identity. I believe these people are playing me and they're trying to use my savings for their financial gains and they're trying to lock me out of my account in order for them to have enough time to make as much as much money as they can from my savings. In this account I had {$2000.00} and was subsequently unable to pay for my rent and living expenses. I need help and they should be brought to Justice. Please help!
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I am experiencing severe anxiety due to the inaccurate late payment that is appearing on my account, despite the fact that I have always made my payments on time. This issue is affecting my ability to sleep and is causing me significant distress. I implore you to take urgent action to update my account and remove the erroneous late payment from my record as soon as possible.