davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

I am writing to express my deep dissatisfaction with Citibanks handling of my Costco credit card account. I recently experienced an unexpected and unfair account closure with resulting in the loss of my hard-earned {$150.00} in rewards.

The circumstances leading to the closure were as follows : my daughter, who is away at college, needed access to the Costco card for grocery purchases. In response, my wife and I decided to add her as a second cardholder and, without any prior warning, Citibank unilaterally closed my account. The closure was executed without notifying me, I didn't receive the warning, and it came as a shock to learn that my {$150.00} reward had been forfeited.

Upon contacting Citibanks customer service, I was informed about a fine print clause that apparently allowed them to take such actions. However, it is unreasonable to expect customers to meticulously scrutinize the fine print during a brief enrollment process, especially when opening an account at a busy location like Costco.

I believe that this practice is inherently unfair, as it not only resulted in the closure of my account but also led to the loss of rewards that I had rightfully earned through my Costco purchases. I urge the FDIC to investigate and address this matter, as it represents a breach of trust and transparency between Citibank and its customers. 

I appreciate your attention to this issue and look forward to a fair resolution, I want them to issue back the reward in the amount of {$150.00} that I already earned.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am not liable and should not be held liable in any form for this debt with XXXX XXXX XXXX. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

This complaint, with the correspondence/affidavit attached, is in regard to the application submitted to American Express on XX/XX/XXXX, Ref : XXXX. The application was denied and an adverse action letter was received on XX/XX/XXXXXXXX  instantly. 
As you may be aware I, the federally protected consumer, have a right to credit, and withholding my access to my securities is also securities fraud. It also goes against American Express 's FOURTH AMENDED AND RESTATED POOLING AND SERVICING AGREEMENT dated as of XX/XX/XXXX, the Prospectus dated XX/XX/XXXX, the Uniform Consumer Credit Code and the Uniform Commercial Code. An eligible investment has been given and there hasn't been equal consideration.
Consumer complaint received 2023-09-12
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. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

After my latest complaint about this credit card with CFPB I decided not to use this card anymore. Reward balance at this point is {$160.00}. When I tried today to transfer that balance to my and my husband 's Citizen 's bank account I faced poor customer services. When I dialed " customer service '' number I got to the fraud department instead of customer service. When I was transferred to the customer service and talked to a person by name XXXX I was told that fraud department put a freeze on my credit card and the transfer could not be made!
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX XXXXXXXX, Account # 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.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DISCOVER BANK (NC)

We had Discover for almost a year before spending was made. The plan was to pay the card after the holidays of XXXX. Paid a few payments and then the pandemic made an impact and cut working hours from 20 to 30 hours to only 10 hours. On top of that, it was a biweekly pay period that only equaled normal pay for a week. The claim was made in XXXX and during that time was still working at the same job at that time with similar hours. Later transferred to other work to get let go. During this time had to keep a roof over our heads, food on the table, utilities on, car insurance, and car payment so we could have reliable transportation. Many local employers don't even pay minimum wage let alone a living wage. Many assistance that are local could help. As of today, XX/XX/XXXX, there has been little to no contact and what communication we did have has been threats of not paying then they'll take us to court. A police officer came to our door with a court summons indicating threats of imprisonment. At this time we have no way of even paying our bills let alone the {$2500.00} debt that is owed. We want this debt gone as well as the company but it's hard to do so when the state of the world and economic department hasn't looked all that great. It's been a couple of months without work and unemployment has been harder to get. The fear of losing our home and everything was the main problem but then adding this on top has really been difficult for everyone on this side. The emotional stress that has affected our mental health has been terrifying to say at least. We'd like to file a lawsuit against Discover and the debt collector assigned to our case for mental and emotional stress and would ask for the whole amount to be opted out or more grace when paying the debt. We would be willing to work this out so things won't end up messy but at this time we don't think that's the case. In today 's age, many others have been in this same situation and that's why credit cards are becoming a thing of the past. It was also said in the summons that there was a previous court date which we failed to be informed of as well. Please get back to us as soon as you can so we can get some help. With the world today we hope there's still good people out there to help others! Thank you for your time.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/2023 in the amount of {$200.00} I tried to utilize an atm and the atm malfunctioned and did not dispense my cash. Since then I have spoken to my bank and been denied a claim XXXX times. I spoke with the store manager at the XXXX the atm was at and they couldnt do anything, spoke with XXXX XXXX, the bank the atm was and they cant help me either.
Consumer complaint received 2023-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-30
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. (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 Original Creditor : XXXX XXXX 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 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (GA)

This company has stated that a debt that I have no knowledge of was transferred to another agency That I have no knowledge of. I have requested written information several times with no resolution. The company has improperly used credit reporting. 

There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. 
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my first 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NJ)

According to the FDCPA I am exercising my right as a consumer and you have violated me on multiple levels including defamation of character, invasion of privacy, harassment, and soliciting private information for financial gain! I DID NOT GIVE YOU PERMISSION TO FURNISH A REPORT ON ME. I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. You were also informed that this debt IS NOT mine yet you insist on trying to hold me responsible for it. Please see attached documentation for further details.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second 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 an alleged fraud or extortion XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Original creditor : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX I Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-02-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mar Joe Enterprises (TN)

They called me yesterday XX/XX/XXXX and I spoke to a representative. I told her I am waiting on my taxes and then I will pay it off. They called me twice today XX/XX/XXXX which is in violation because they can not call me again for 7 days. I called back and told them they were in violation and I want something done about it. It was CBC debt collections calling for my XXXX XXXX XXXX XXXX. I told them today ( XX/XX/XXXX ) to not call me again and that I will call them to pay my debt.
Consumer complaint received 2024-02-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (OH)

We started the escrow process on XXXX XXXX XXXXXXXXThe seller then contacted Freedom Mortgage about the assumption process who an agent then told him that an assumption packet would be mailed to us within XXXX weeks. This packet was never sent to us. The seller than called Freedom Mortgage after XXXX weeks and us not receiving a packet. They stated that we have to complete an application for the packet before it would be sent. The soonest appointment they had was XX/XX/XXXX. At this appointment I spoke to XXXX whose number is XXXX and she said wed be receiving a packet that will be overnight but will be delivered in a few days? We actually received the packet on XX/XX/XXXX and sent it out the same day. She also stated processing would take XXXX business days once the packet is received. I then called Freedom Mortgage on XX/XX/XXXX to get into contact with my processor XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I spoke to XXXX in the XXXX department in which he said he would have her call back that same day. I received no phone call or follow-up. The following Monday I called Freedom Mortgage ( XXXX ) back and was able to get into contact with XXXX. She stated that this was her first time looking at the packet and that it looked as if everything was there. She also stated the under-writing process will take XXXX weeks to process the packet. She also stated that she would have the packet processed that Tuesday. I submitted XXXX XXXX XXXX on XX/XX/XXXX to Freedom Mortgage as well as contacting the XXXX XXXX XXXX XXXX  we were pulled out of underwriting with documents requested. We submitted the documents the same day. XXXX XXXX I called XXXX whose number is XXXX, and she stated she need an updated title before we could go into a second under writing which is not true per XXXX guidelines ( XXXX Pamphlet XXXX ). Freedom Mortgage is yet again in Non-compliance with circular XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you review the records, please? Some of the enumerated entries are flawed concerning their reporting, with inaccuracies in amounts and dates.