davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX, I purchased a total of 3 serve American Express cards totaling {$1500.00} in the attempt to purchase a car via XXXX XXXX  XXXX  after sending in the initial payment. I was then ask to send another {$1000.00} for temporary transportation insurance Because the car is valued more than what i am paying for it. I reluctantly send the XXXX dollars via XXXX XXXX XXXX pre paid. The time of delivery as pass so i reach out to the XXXX finance department at least thst what i thought. About an update on delivery they responded stating they need another XXXX dollars for temporary state tax, i started to get suspicious so i continue reading the email it also stated the was in my state. So i decided to ask for a refund and thats when all communications stopped. I reach out to both card companies they informed me the card was spent " XXXX  stores '' i filled out all the necessary information for the dispute however the card company declined my refund that is American Express. The other card company XXXX XXXX  did not send me any forms for the dispute currently i am out {$2500.00} I purchased these card to secure my funds and my self..
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I had 2 Citibank credit cards. I was paying on them on time and never 30 past due. XXXX of the cards had $ XXXX balance and the other one has about {$1000.00}. 

I flip houses- and was getting ready to refinance the flip I incurred these bills on. During the flip - they closed the {$11000.00} one for NO GOOD REASON. I was paying on time. This tanked my credit score XXXX points. Now as I am trying to refinance my loan on this flip- they closed my other {$1000.00} one - and they were still getting their money before 30 day past due. This last closure- for no good reason tanked my credit score another XXXX points. 

I was in the middle of refinancing out of the construction loan to more favorable terms so I can pay my bills OFF and honor my debts when CITI closed my second acct - therefore I lost the refinance. All this EVEN WHEN IN GOOD FAITH I WAS PAYING MY BILLS ON TIME.. 

Now because I can not refinance - I might lose that house because of CITIBANK. 

Have I reached out to CITI? I have spent hours upon hours on the phone getting switched to this person and that, getting hung up on, filling out on line forms for help and answers- even setting up a face to face zoom with a so-called XXXX manager. I WAS ABLE TO SPEAK TO NO ONE. The face to face meeting I had set up never called me. 

I need answers regarding how this type of service ( or lack of ) can exist in the United States. I want to know how this company can indiscriminately close my accounts. Aren't there any protections for consumers? I also want my accounts reinstated and my credit fixed. I have suffered a great deal, to the point of not being able to feed my family to keep my credit rating intact and to pay my bills. I was getting ready to pay off those cards- and now due to their indiscriminate actions I may have to file bankruptcy.
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am submitting this to bring to your attention a matter of great concern regarding the presence of unauthorized inquiries on my credit reports. As previously communicated, I am scheduled to update my credit reports in fifteen days. Enclosed with this correspondence is a copy of the FTC Fraud Report, referenced under # XXXX, which I will re-attach for your reference. The following inquiries, which I believe to be a result of alleged identity theft, are currently present on my credit file : XXXX XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

Company denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof. 

TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.
Consumer complaint received 2022-12-21
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AR)

Fees There were fees for everything! I had my account for over 20 years with Regions. Then all these fees started, for everything from not enough money in my account, to direct deposit, I had to have my check direct deposit to avoid these fees! Then they started a fee of {$5.00} for everything! Every month I was calling about the {$5.00} they had changed me for no direct deposit!!! My check went in every month I got it! 
This is Regions Bank!!! I no longer have them because they continued to take {$5.00} every month for ( XXXX ), no direct deposit!!!! Now that is what they said! I got fed up because I had to call every time I got my bank statement!
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

i pulled up my credit and see a late payment being reported by XXXX XXXX and a collection from XXXX XXXX. I called them and are getting the run arrounds. I have never been late with XXXX XXXX at all. i sent letters to the bureaus to send verifiable proof on how they are reporting this this late payment because i was never late and I was in good standing with them, i have the bureaus letter after letter and i have no got no response what so ever. they are ignoring and my request and this is affecting my credit. the same thing with XXXX XXXX. have disputed this more than 5 times over 35 days apart and asked to send me verifable prroof this is my account. i have no contract with XXXX XXXX nor XXXX XXXX. THE BUREAUS HAVE FAILED TO RESPOND TO BE OR SEND ME ANY UPDAED INFORMATION. I HAD TO CALL MY SELF TO REQUEST THIS FROM THE ORGINAL CREDITOR AND WAS TOLD TO TELL THE BUREAUS TO REMOVE IT.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has charged the interest rate that was not discussed prior to me opening an account. I purchased a diamond ring with 0 % apr only to find out that they charged me 29.99 % ....
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Technical expert hired through XXXX to remove Malware from company website, after one week and seven billable hours later the issue still remains. By the experts admission was unable to resolve ( see attached documentation ). Request full refund to hire another expert, company website is in critical condition. 

After a month of trying to resolve issue with Paypal they settled the dispute in favor of XXXX, when clearly the work was not done, we hired another company that charged us XXXXusd and was completed in less than one hour
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an affidavit of truth. My next step will be a civil suit.
Consumer complaint received 2020-10-06
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. (TX)

I recently filed a complaint due to inaccurate And unauthorized inquiries on the credit report. Experian responded with a generated template stating they could not reinvestigate my dispute. I have contacted the companies reflecting the unauthorized inquiries and was directed to contact Experian. I would like the unauthorized inquiries deleted and removed if they can not be verified by the company that is reporting them. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-11
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I was on XXXX XXXX  and was not able to access the lender web portal for payment, I usually setup Auto Payments on my accounts to avoid missed payments, I did not do so on this account as it was relatively new. Fast forward, unintentionally the payment was missed, when received a certified mail from lender ( I can monitor my USPS account ) I rushed into calling the lender and clear my ledger- this was very expensive call to make. 

I never missed a payment once, this was purely due to IT issues, not fair to see such damage to my credit report which I worked very hard to maintain for access or IT issues. 

Lender : Mazda Financial Service. 
Reported : yes, to most credit bureaus and lender with no fair resolution.
Consumer complaint received 2019-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America collected but didn't pay supplemental tax, which result in delinquent penalty. 

I purchased home around 6 months ago. Bank of America setup escrow account to pay tax & insurance, they collected the amount of money which is enough to cover tax for new assessed value.

I received the two bills ( standard & supplemental ), the standard one for previous assessed value, supplemental one for diff between previous & re-assessed value. I confirmed with lender that bank of America will cover my bill. However, months later I received notice telling me my supplemental tax is delinquent and subject to 10 % penalty, which is around 400. 

I reached out to BOA again, they told me they are not responsible for supplemental tax. 

They shouldn't collect supplemental tax in escrow account if they are not responsible for paying that. If they do, they should pay for that, or at least warn home owners
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NC)

I applied for a mortgage with XXXX XXXX. When they pulled my credit report from Experian, they released my contact information and the fact that I had applied for a mortgage to many many other brokers. I have received 60-70 unsolicited calls. It is harassment to the highest degree and I did not authorize any release of information.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
The complaints were sent to CFPB on XX/XX/2022 Complaint number XXXX And XX/XX/2022 complaint number XXXX These are the accounts still showing inaccurate XXXX ) Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. You said you did a full investigation and that these items were XXXX person correct which looking at the report they are not correct. 

I have attached copies of credit report with inaccuracies highlighted in red and need these items removed immediately
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-14
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX I purchased a watch from XXXX for {$64000.00} ( receipt attached ). I wired money from my XXXX XXXX account to the sellers bank account at Citibank on XX/XX/XXXX ( wire details attached ). Order number XXXX I contacted them on XX/XX/XXXX for a status and they said the watch was with a XXXX party being verified for authenticity. On XX/XX/XXXX I was told that they were never able to get the watch and that I could cancel of have them keep looking for a similar watch. On XX/XX/XXXX I cancelled the watch. It took them a week to accept the cancellation on XX/XX/XXXX. I made many request for status of the refund and they kept delaying the date for refund. Ultimately they stated 10 working dates from XXXX it would be paid back. Given their policy I was due the refund on XX/XX/XXXX. When I asked about my refund being due they stated the refund would be another 15 business days clearly violating their policy and now making up dates to prevent giving me my refund. I have emailed twice about why they added an additional 15 days to refund my money and they have not replied I contacted XXXX XXXX Fraud Department about 2 weeks ago as I was suspicious that this was fraud. They contacted Citibank who has not done anything to recover the money from the fraudulent site tied to their bank. Further investigation by me has found that XXXX has similar stories of not refunding on XXXX so this is a wide ranging scam that Citibank is supporting. One user claims that XXXX was able to get his refund. They also have fraudulently created XXXX profiles and have those profiles create fake positive feedback on XXXXXXXX XXXX domain is hosted buy XXXX which reports that the site in ineligible for transfer, sale or renewal which is also a sign this site if fraudulent. 

I would greatly appreciate your investigation and attempt to recover this {$64000.00} and can provide any information you need. I have filed complaints with also the XXXX and FTC. I also have filed a criminal report which my country sheriff is investigation as a crime.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (TN)

I sent a letter dated XX/XX/21 from United States Bankruptcy Court XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, Equifax, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX several times to all XXXX credit bureaus. 
.All have used stall tatics and letters of correspondence not to process or fully process my dispute, Now that I have contacted the source of the court on my own behalf and received notice that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX XXXX Equifax XXXX and XXXX and they are using and retrieving data information from a " third party '' verification system, which my letter of verification has come directly from the source listed on my credit profile. 

Not that I have gone to XXXX XXXX they want to stall the process dispute as well it looks because they are claiming to need " Additional Documents and information to authenticate my identity. So I am attaching proof of identity to promptly process this complaint because it is clearly a violation of 1681 ( a ) ( 5 ) to keep reporting it on my credit profile, considering it does not require an reinvestigation. I would appreciate your response promptly. I should not be still fighting this issue another year later. 
I have attached 2 or more copies to authenticate my identity to process my complaint.