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

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Citibank concerning the abrupt and unexplained closure of two of my accounts, which has resulted in severe damage to my credit score and overall financial well-being. 

On XX/XX/2023, I was shocked to discover that both of my accounts with Citibank had been closed without any prior warning or explanation. I immediately contacted Citibank 's customer service to seek clarification on the reasons for the account closures. Unfortunately, the representatives were unable to provide a satisfactory explanation for the closure of one of my accounts, and for the second account, their sole justification was that I had been late with a payment once. 

When I inquired if Citibank applies the same standard uniformly, closing consumer accounts solely due to a single late payment, I was informed that this was not the case. The representative could not provide a coherent explanation for the disparate treatment, I further asked the Citibank representative if there was any possibility of reinstating the account, he stated that reinstatement was not an option and offering no reasons for this decision. 

The abrupt closure of both accounts has caused severe damage to my credit score and credit report, which I believe is entirely unjustified. I can't help but shake the feeling that I may have been a victim of credit discrimination, especially considering the recent class action lawsuit against Citibank for discriminating against Armenian names. This raises serious concerns about potential redlining practices and prompts the question of whether Citibank engages in discriminatory practices against individuals of other races, ethnicities, or names. 

I am concerned that Citibank 's actions may be in violation of several consumer protection laws, including but not limited to the Equal Credit Opportunity Act. The lack of transparency and coherent reasoning behind the account closures is not only distressing but also raises questions about Citibank 's compliance with regulatory standards.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2023, Wells Fargo Bank changed my and other consumers Custom Management Checking Account to Everyday Checking Account. In so doing, they have closed my oldest financial account ( opened on my XXXX birthday ) and thereby negatively impacted my credit score ; credit rating agencies now report a significantly lower average age of accounts and credit score.
Consumer complaint received 2023-12-12
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. (FL)

I got a copy of my three consumer report about 30 days ago and I noticed that some accounts were reporting inaccurate information. so I asked XXXX, Transunion, and XXXX to investigate the accounts that where reporting inaccurately. the investigation came back verified so I asked them to provide a method of verification because the accounts still were not accurate. they told me they could not provide that information because they just confirmed with the creditor that the information is correct. but the information is still incorrect on my consumer report. this is causing major financial problems for me and my family.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (SC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2017-04-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BBVA FINANCIAL CORPORATION (TX)

Around XXXX 2014 BBVA Compass did a Mortgage loan for me. The loan officer was very helpful. The loan officer and I requested to do the mortgage payment 30 year fix with an amortization for 30 years. Before I started the refinance with BBVA Compass I had a construction loan with another bank that has a balloon payment as soon as the house was finished. When we went to closing to my surprise the mortgage payment was set up to be paid every 2 weeks just principal and interest. It was too late to back down since I was at the closing and had the balloon payment. My loan officer contacted her manager XXXX XXXX, XXXX XXXX stated that he will help to modify the loan later on. However I tried to get in contact with the loan officer around the middle of the year and she gave me XXXX XXXX 's phone number since the loan officer was on leave sick and never return to work to BBVA Compass. I tried to call her manager several times since but never heard from him. 
I have also tried calling several times to several phone numbers, leave messages and no one return my phone call. The most recent number that I called was XXXX I left a message explained my situation that I can not pay every two weeks since it is killing me and putting my family in a hardship. Currently my business is not doing very well as before. All I am asking is to modify to pay monthly payments not every two weeks.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (VA)

I fell behind on my monthly payments on my Discover Card account due to some unanticipated expenses. When I was finally in a financial position to make payments again, I contacted them to make payment arrangements. The individual that I spoke offered me a settlement ( the account had been closed ) that would have me paying half the balance owed ( approx. account balance = {$13000.00} ), and as long as the monthly payments were met ( automatic withdrawals they scheduled ) they would credit the other half. At the time I was dealing with my mother 's health issues, and was relieved to have it taken care of. Unfortunately, I neglected to request a written copy of the agreement, and one was not sent to me. Additionally, since the account was closed, I was no longer receiving account statements and I had no access to my account. The payments were withdrawn as agreed though, totaling half of the account balance, and I thought all was well. Several months after the final payment though, Discover Card sent me correspondence stating that I still owed the other half of the balance on the account. I have disputed that, but Discover Card claims that they no longer have the recordings of my conversation with the representative that negotiated the agreement and scheduled the payments. Supposedly deleted after 90 days, even though the payments were scheduled to continue for not quite a year. They claim to have no records about the agreement that I made. The only " notes '' state that I rejected an agreement of {$7200.00} - which they extrapolate to mean that I agreed to pay the total account balance. Who would do that?! When I asked to speak to the individual who negotiated the agreement or his manager, since I distinctly remember the representative putting me on hold in order to get the agreement approved, they claim that information is not recorded in the account. They have sold the debt to a debt collection company, and now claim that the debt collection has " all '' the information about the account. Yet, when I disputed the debt, the debt collection company contacted Discover Card to request the records ( which were just copies of statements that were never sent to me ). I feel sure that there is a record of what actually transpired, either in the representative 's notes or his supervisor 's records, but Discover Card is refusing to provide any information. Are credit card companies required to maintain records of these types of transactions? And how does a consumer with a dispute compel a credit card company to provide all records related to an account? I recognize now that I should have requested a copy of the agreement. Some websites have even recommended not authorizing payments until a copy of the agreement has been received. I did not have that advice at the time, unfortunately. I have had no previous experience with this process, and was experiencing a tremendous amount of stress due to family issues ( and still are ) are my only excuses though.
Consumer complaint received 2023-04-11
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC (SC)

Below is the letter sent to US Auto Finance on XXXX XXXX. I have also sent a debt Validation at the later part of XXXX but no response. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX SC XXXX U.S Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Dispute of Inaccurate Account Information To Whom It May Concern, I hope this letter finds you well. I am writing to address an inaccuracy that I recently identified on my credit report. After a thorough review of my credit reports, I have noticed that you are reporting an incorrect balance for the following account : US Auto Finance- [ Account Number : XXXX ] The balances being reported by your company to XXXX XXXX XXXX and XXXX XXXX this means the account has not been properly verified. Please delete this account immediately. 
It has come to my attention that there is a discrepancy between the balance being reported by your company. This error raises concerns about the accuracy and verification of the account details, especially after disputing the account for several months. 
In light of this situation, I kindly request that you take immediate action to investigate and rectify this discrepancy. As per the guidelines outlined in the Fair Credit Reporting Act, it is imperative that accurate and verified information is reflected on credit reports. If the balance reported by your company is indeed inaccurate and unverified, I request that you promptly delete this account from my credit report. 
Thank you for your cooperation and prompt attention to this dispute. I look forward to a swift resolution. 
XXXX XXXX I have called the number listed on my credit report but the number is not a working number. I am requesting that this information be deleted from my credit report. I am not receiving any response from the company. I am a consumer and my rights are being violated. This company has filed bankruptcy but is reporting inaccurate information. This is not fair and is hurting my credit.
Consumer complaint received 2023-06-15
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. (OK)

In Accordance With The Fair Credit Reporting Act 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 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  is saying the information is coming back verify but when i called the company myself they cant verify me so i not understanding how they verifying so the comapny is giving me payment history in not contract or agreedments so i ask them to removed the debt but they ignoring the fact that i didnt do business with them i rufuse to pay the debt i wasnt legally notify about the debt under 15 U.S 1681 i fair act crediting reporting i have right to privacy 15us1681a these accounts i refuse to pay they violated my account i also send information to experian they saying my docs wasnt acceptable.
Consumer complaint received 2020-07-31
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. (NC)

Equifax I have over 100 disputes in showing them that this information is incorrect. I pay for the monitoring service from them Dispute number XXXX still reporting the wrong name on my file. My credit file number is Please update an remove the name off my file my name is XXXX XXXX I have provided my drivers license and utility bills and they remove it off then aloow creditors to mix my file with someone elses whom is not me. They close the investigation and do not send me the results I faxed and mailed them the letters information them of this. I file a dispute daily only to have them close it out overnight. I pay for a service when I log into the dispute portal using my email address XXXX it pulls up someone else file an credit report which is really not a good thing for Equifax. This is my confirmation to my credit report when I log into the dashboard which is linked to me. 
Equifax Credit Report for XXXX XXXX XXXX As of : XX/XX/XXXX Available until : XX/XX/XXXX Confirmation # : XXXX
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS (VA)

I disputed information that was on my credit report that is not reporting accurately. XXXX stated that they obtained public records items from my local, state, and federal courts through a third party vendor, LexisNexis that verified that this item belonged to me. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my XXXX report of the improper sharing by the credit reporting company. XXXX could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

My bank account was hacked by someone who stole {$16000.00} over the course of 7 months from my business checking account at XXXX XXXX. Wells Fargo is the originating bank. Their client is XXXX, which is where my money was transferred to. I have filed an incident report with XXXX XXXX Sheriffs Department. Below is the list of dates & amounts taken from my account. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
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: EQUIFAX, INC. (MD)

I formally dispute Inquiries on my credit report with Equifax about False Inquiry on my credit report. Equifax is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry. Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave No One any written consent to report anything on my consumer reports no consent is Fraud and Under 15 U.S Code 1602 ( p ) - Unauthorized use of my Information. Remove all of the fraudulent Inquiry off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (CO)

I closed my axos banking-checking account out of XXXX XXXX CA XXXX XXXX XX/XX/XXXX. I had been a member there for 4 years. 

I opened a checking account with the online financial company, XXXX. When I closed the axos account, they sent me my remaining money in the form of a check for {$3800.00}. 

The check that is not cash able or cant be deposited is dated for XX/XX/XXXX. I have tried banks and other stores to try and get my money back but everyone has said it is not cash able.
Consumer complaint received 2023-12-13
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DEBT 0, INC (TX)

I hired this company in XXXX and started paying them on XX/XX/XXXX to reach an agreement with my credit cards. They promised that they would give me an answer in 2 months. I called in XXXX and they always said that they were in negotiations with the bank. They continued to charge in advance and on XX/XX/XXXX I contacted the bank and they told me that they had not communicated with them. On XX/XX/XXXX, I requested the cancellation of the program because my cards were out of payment for more than 6 months and one fell into XXXX. I myself started talking to the bank about my situation. This company supposedly began negotiating with the banks but I had already sent them my cancellation request and I have proof. They told me that since they had already spoken with the banks they could not return the money and they stole {$3700.00} from me. I made my payments from XX/XX/XXXX to XX/XX/XXXX. I received an email from this company where they say that they made negotiations with the banks, and they were no longer authorized to do so because I had canceled them, and the email said that they can not return the money to me because they did the work and it is a lie. They damaged my credit, stole from me, and acted without my authorization. I myself negotiated with the banks as soon as I canceled them!!!
Consumer complaint received 2023-09-26
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. (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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Business Factors (CA)

XX/XX/XXXX I spoke with National Business Factors, INC this morning and was told that my medical dept will start to impact my credit score starting this XXXX. I reminded them that medical dept is exempt from negatively impacting your credit score and they said that is not true. As I understand " As of XX/XX/XXXX, paid medical collection debt won't appear on consumer credit reports ''. 

I find these tactics extremely malicious. 

XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I informed them that I was a victim of fraud and I wasnt the one who opened the credit card. I had lost my wallet and became a victim of identity fraud. Company provided me with the individuals residence address but Ive never XXXX of such an address nor lived there.
Consumer complaint received 2023-12-12
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. (CA)

This company has barred me from getting my credit report online for the past 5 years. IT is a personal vendetta of this company that unless I am complaining they are constantly reporting false inquiries or false employment or changing creditor information to drop my credit score on purpose. I have been unable for 7 years to get a new apartment or buy a house because of the lies they are reporting.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information with Transunion was breached and here is the proof and they refuse to delete all negative balances on this account. Please have them remove these negative account immediately since I was a victim of there data breach.