davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

My Citibank checking account was involved in a series of ACH withdrawal fraud. I first realized this on XX/XX/XXXX. Since then I opened a new checking account on XX/XX/XXXX on the recommendation of the Citi fraud security team. I tried to close the account in the branch while opening a new one and the banker did not close them, she claimed she froze them. I then learnt a couple days later that it was not frozen. There were dozens of phone calls made to the security team to solve this problem. 

There were many credits issued for the fraud and I was promised that the account would be closed. It has been almost a month, with no resolution still. On XX/XX/XXXX I was called by Citibank because they wanted me to process the payment on my old account since some of the credit were debited back but by then I had no access to my old account as it was already frozen while waiting for the results of the investigation. I was promised that I would be called back on XX/XX/XXXX or XX/XX/XXXX once the payment went through with a resolution to close the checking account. I am tired of waiting and I do not have any more time to deal with this. 

The data breach has caused many accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXt ) to be opened in my name and Citi promised to reach out to them during the investigation and helped close those accounts on my behalf. However, I had to do it all myself and Citi did not seem to do what they promised to. This could be a data breach on Citi 's end that exposed my SSN and other credentials. I could conclude this because I connected all of my other checking accounts ( XXXX, XXXX XXXX, and XXXX ) to any other financial institutions alongside my Citi account but only my Citi account got frauded. Up until last month, I did not know that Checking account fraud existed at all. There are many other institutions that have accounts probably opened under my name ( inferred from ACH Withdrawal ), namely XXXX XXXX by XXXX XXXX, XXXX. I have not contacted them yet. I need Citi to contact them and close those accounts on my behalf as promised.
Consumer complaint received 2019-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I opened an account with Sync bank/ tjx credit card the account was closed on XXXX, XXXX, XXXX. I got a derogatory remark on my credit report stating that this account got sent to collections however i was never notified about this debt and never received the bill. I would like to address this immediately and get this negative mark removed from my account.
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. Upon reviewing my credit report, I discovered inaccuracies regarding late payments that do not align with my consistent history of timely payments. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I believe there may be an error in the reporting and kindly request a prompt investigation into this matter.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (MA)

Your reappearance of the complaint number XXXX is not supported under any federal or state law. but rather it is a violation of consumer rights 15USC1692a ( 3 ) 15USC1602 ( i ) ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

So you say that you deny having violated any state and federal law. But according to title 15 USC 1692 you can not make a decision like refusing to extend my credit based on information from a third party as in this case. 1. They mention credit history again, credit history is not a factor in denying a credit extender, according to the Truth In Lending Act.

They put it well, part of their credit assessment. Your evaluation violates the federal equal opportunity law, since your decision is based on a supposed Score that is only a simulation and is not even a federal law and much less is contained in the Truth In lending act. Not in the CFR, Fair Credit Reporting Act. 

It is the last time that I refer them again to approve the application and extend my credit. 
Of you not doing it, based on the excuses you used in your answer, I am going to proceed with a lawsuit since you have just violated title 15 of the United States, seeking information from a third party that is a corporation that in turn can and does manipulate the numbers at your convenience to profit from the consumer.

I am not supposed to have a credit score to get a credit extension.

They are not supposed to a supposed credit history to extend my credit.

They are not supposed to check with a third party other than the consumer himself when they want to receive information from the same consumer.

Those are violations that you overlooked when writing a statement like this.

And I have my UCC-11 from the state of Massachusetts ready to send as proof that I have no debt. 

And to mention that because of my income they refused to extend my credit is another violation, since you are not the ones who will pay for the property with your own funds. 


And I understand that you have no control over the agencies, just as the agencies have no control over the consumers. And you do what they say, they are a third party, you should have sought information directly from the consumer and not from a third party as you did. Violate the 15USC title
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-07-29
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. (CA)

I originally wrote XXXX, TransUnion, and XXXX  a 609 letter dated XX/XX/2021. I never heard back from them nor were the items I was disputing entered into the record so to show that the items were in dispute. I wrote them on the month of XX/XX/2021, a letter to comply with their own rule set in place that they have 30 days to respond which they failed to do. Therefore I am now following procedure and lodging my complaint for the record. I plan on going to court and suing for the amount of {$1000.00} for failure to comply with the rules and failure to amend my credit report to reflect that such items have been removed.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX  XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX/XXXX  # XXXX XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX 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 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have had a XXXX  XXXX XXXX Credit card for over 17 years. I have perfect credit and have never once missed a payment. I have always opted for paper statements and have been receiving paper statements without problems for years. Without my permission or knowledge, XXXX  XXXX XXXX switched my statements to e-mail statements without notifying me and used an out of date e-mail address that was on file from over 14 years ago ( not current nor viable ). For two-three months, no statements were received. I was not contacted via phone. XXXX  XXXX XXXX sent information to a credit agency stating I missed a payment, who eventually contacted me via snail. As soon as I was properly notified, I immediately made a payment and then paid off the balance in full. There is currently a credit due to me on my account due to over payment. XXXX  XXXX XXXX then decreased my credit line by 90 % and provided misleading information to the credit bureaus, which resulted in a drop of my credit score ( which was in the mid-800 's ). I've contacted XXXX  XXXX XXXX multiple times to file complaints and initiate investigations as to what went wrong. They admitted that they wrongly changed the bill delivery to e-mail, discovered the disconnect and re-issued the old paper statements that were not received. I requested that their mistake be remedied so that my credit score is not negatively impacted. They just notified me via mail that my request has been denied ( for no reason-it was their fault!!! ). My request is that my credit score, which was flawless until this company engaged in wrongful acts not authorized by me, be rightfully restored.
Consumer complaint received 2019-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This morning I discovered my account got overdrawn by logging into my account. I realized BOA has been charging the monthly fee for over 4 months without notifying me. What makes it even worse, even though my account was overdrawn, BOA never notified me either. 
This is the first time I opened account with BOA, and I have no idea about the fee. Moreover, I just realized I lost my debit card. I tried to talk to BOA for the issue and get the money back. They refused to do so
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/2021 EXPERIAN WAS NOTIFIED OF DISPUTED XXXX XXXX XXXX # XXXX account. Failed to acknowledge notice within 5 days and failed to report as disputed and also failed to remove for obvious inaccuracy ( high balance reported as lower that the balance ) XX/XX/2021 -- -XX/XX/XXXX and beyond : EXPERIAN continued to report inaccurate information after being notified that XXXX XXXX XXXX , XXXX XXXX reports that an account shown as a charge-off/collection has a HIGH BALANCE that is LOWER than the BALANCE, which is impossible. 

Also, although Experian was notified of this dispute, it has failed for nearly seven months to report it as disputed. 

EXPERIAN has repeatedly violated the FCRA regarding the XXXX XXXX XXXX # XXXX entries since XX/XX/XXXX.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

On or about XX/XX/2019, I had leased [ a recliner and a tv stand ]. On or about XX/XX/2019, I contacted XXXX XXXX to legally cancelled the lease. I was told the account would be closed and a recovery team would be sent to pick up the merchandise. On XX/XX/XXXX, the recovery team did pick up [ a recliner and tv stand ]. Without regard to, On or about XX/XX/2019 is when i had noticed that XXXX XXXX, a leasing company, sent to all three credit bureau that I was 30 days behind in payments. I then filed a dispute with Experian all the same, to include XXXX and XXXX  via United States Mail that XXXX was filing fraudulent claims of being behind with payment, nonetheless, I was told the filing was accurate and that it would remain on my credit history. Then On or about XX/XX/2019 I made several attempts to file a separate dispute that XXXX XXXX is filing fraudulent claims. XXXX  XXXX  filed another claim XX/XX/2019 now I am 120 days behind. Experian, XXXX and XXXX continue allowing XXXX XXXX, a leasing company, to file account is now 120 days past due. The next step is to file a lawsuit against all three credit bureaus for negligence if you unable to resolve this issue.
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

A credit card was opened with Capital One in XXXX. The card was used up to XXXX when I lost my job and was unable to keep up with the payments. Once I got a job and was in a good place, I continued making regular payments through XXXX even though they had since closed the account and charged off the debt. In late XXXX I stopped making payments on the closed, charged off account. 

Capital One is now suing me for the remainder of which I can not afford to pay. They most likely have verbiage in the contract that obligates me to pay even after the charge off but that is not the issue. 

With an open lawsuit Capital One advertised, approved and granted me a line of credit for the same exact card in question within the lawsuit. 

Could this be considered predatory lending? It seems like encouraging debt and making a loan to an unqualified borrower, as well as a conflict of interest. 

With the recent cyber attacks, Capital One is facing substantial payouts on some class action lawsuits. Now it seems they are resorting to unfair practices to recoup losses. 

Please let me know if I have a viable defense to this case.
Consumer complaint received 2021-07-29
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. (PA)

In reference to the 15USC1681A under the exclusion section ( B ) anything that was extended or authorized from a credit card should be excluded from my consumer report.

Meaning any card plate or coupon book existing for the purpose of obtaining money, property or service on credit. If these items are not removed this is a civil liability reporting these items that are inaccurate from my report. 
Also investigative consumer reports says when a consumer report should not include factual information because I was not interviewed nor have my neighbors, friends or associates. 
In fact at the beginning of the FCRA under the congressional findings congress right away removed themselves from liability letting the consumer know that this is an elaborate masochism they assume this ia a vital role of reporting information.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Equifax or XXXX XXXX XXXX XXXX keeps changing the Date report to reflect XX/XX/XXXX, they did it in XX/XX/XXXX and now in XX/XX/XXXX. I close the account in XX/XX/XXXXand and it shows XX/XX/XXXX and one paperwork shows XX/XX/XXXX. 

I have asked XXXX if they will review it and they stated that they see what I am talking about and give them 72 hours. I told them that I will monitor it and if it keeps doing it, I will file a complaint. 

Well I am now filing a complaint, would you please help me get this correct to reflect the current last reporting. 

Thank you!
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent my very first letter to the credit bureaus concerning this account ( XXXX XXXX ). XXXX XXXX is reporting inaccurate information on my report. The past due amount, date of last active, and the date of last payment are all incorrect. I have made an attempt to send a letter every month since and I have not received a response. No verification, validation, or investigation has taken place. This is a violation. I have been patient and given plenty of time to return a response. As of today, XX/XX/2021, I have received nothing.
Consumer complaint received 2021-07-29
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: ID Analytics, Inc. (CA)

I am making the following Complaints and Observations Request for Statement of What Happened : Several months ago I was denied homeowner 's insurance coverage on a personal residence I own in XXXX, Washington by XXXX and XXXX XXXX because of information contained in my insurance report, the details of which were not disclosed to me. Accordingly, I requested a copy of my insurance report from the Comprehensive Loss Underwriting Exchange ( CLUE ), serviced by XXXX, which I understand contains up to seven years of personal auto and property claims history and to which I am entitled under the Fair Credit Reporting Act. In XX/XX/2021 I received an 86-page " report '' from CLUE which contains no history of reported losses or claims or any other relevant information with which an insurer or underwriter can assess risk in issuing a policy on this property. This property was covered by homeowner 's insurance for almost thirty years during which time, to the best of my knowledge, I filed no claims involving this property. I am attaching to this complaint a copy of a letter sent to CLUE on XX/XX/XXXX which contains a more detailed explanation. 


Fair Resolution Question : I am seeking a full and complete report from CLUE that I may review for accuracy to determine why I am being denied insurance coverage. I have carried insurance on this property for 30 years, have no record of claims, and am unable to understand why I have been denied coverage. Without this report, to which I am entitled by law, I can not offer any corrections or assert my rights as a consumer. 

I asked Comprehensive Loss Underwriting Exchange on the advice of Washington State Office of the Insurance Commission. Perhaps CFPB can contact them. Perhaps they will be more forthcoming with you than they were with me. 

Please respond to me at this email at your earliest convenience. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and EQUIFAX is reporting a late payment and shouldnt be according to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is unfair credit reporting practices to have 28 variations of what my credit score could " possibly '' be. I'm given 3 agencies to work with the rest I have no knowledge of or means of contacting them. My XXXX  says XXXX that's what my score should be without any variations. It is unfair that I the consumer suffer because of unlawful reporting practices.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

On XXXX different occasions I am paying my bill in what I believe is in full. I am then being charged interest. The first time is on XX/XX/XXXX when I paid {$7700.00} but was charged interest of {$83.00}. The next XX/XX/2019 when I paid {$1900.00}. My bill was due on the XXXX. I was charged XXXX in interest. My intent when logging into Citi.com was to pay my bill in full. I then logged in XX/XX/XXXX, to pay the balance only to find another interest charge of {$13.00}. I can't tell what this is for.
Consumer complaint received 2021-07-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

It appears my mortgage company was bought out by another and now my mortgage has went up XXXX dollars a month and nothing to explain it sounds like a scam to me. Loan care was XXXX something fishy going on here I would advise nobody use this company and if you are RUN
Consumer complaint received 2021-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

ok good evening, I am enrolled in the pandemic relief program which expires, XXXX, I heard about the advance loan modification program which I am interested in, when i call MR COOPER WHICH IS MY LOAN SERVICER XXXX, they told me the don't know anything about this program, when it is unequivocally clear on the FHA website. my friends mortgage company knows of the program and is implementing it, why does MR COOPER NOT KNOW OF THIS PROGRAM. MY EMAIL ADDRESS IS XXXX, MY PHONE IS XXXX, AND I HAVE A FHA MORTGAGE