davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

I opened a new checking and savings account with Citi Bank online on XX/XX/20. They were offering a promotion whereby if I deposit {$50000.00} and leave it in the account for 60 days, they will deposit a bonus of {$700.00} in my account. I transferred {$50000.00} into the account and was notified via email that the funds were received on XX/XX/20. I noticed my account was locked ( I couldn't sign in ) on XX/XX/20, and on XX/XX/20 I was informed via a phone call with a Citi representative that my account was being closed. I was also informed that the only way to retrieve the funds was to wait upwards of 60 days to receive a check in the mail. The representative informed me that there was no other way to retrieve the funds and that I must wait. She also notified me that the reason for closure was due to negative history with Citi.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (FL)

Last spring I made several purchases at the Home Depot store in XXXX XXXX, XXXX, to make repairs to my winter home. I paid cash for several of these purchases, and used my XXXX credit card for others. Because a XXXX % -off discount was being offered as an incentive to open a Home Depot credit account, I applied and used the card to purchase replacement windows for my home. Soon thereafter, I returned to my home in XXXX. A change of address notification was filed with the U. S. Postal Service. 

XX/XX/XXXX, I applied for a mortgage loan and was appalled to discover that the Home Depot Consumer Credit Card had been reported to all XXXX credit bureaus as being delinquent. I immediately called Home Depot, and was able to reach a XXXX XXXX XXXX. XXXX XXXX identified herself as a customer service supervisor. 

I explained to XXXX XXXX that I had never received an invoice from Home Depot. Furthermore, I explained that I had made several purchases, and had paid them in full. Had I received an invoice for the Home Depot credit card, I would have been reminded of the debt and would have paid it. 

XXXX XXXX stated that it is Home Depot 's policy to send XXXX statements. After that, the account is considered delinquent, reported to the credit bureaus, and is subject to monthly interest and late fees. According to XXXX XXXX, no further attempts to contact the customer are made. However, because this was clearly an error in the forwarding of mail, XXXX XXXX waived all late fees and interest charges. She also stated that she would be notifying the credit reporting bureaus that this " delinquency '' was the result of the failure of the postal system. 

On XXXX XXXX, 2016, a letter was sent to me from Home Depot Credit Services stating that they are unable to change the information reported to the credit reporting agencies because it accurately reflects my account history. 

I am filing this complaint for XXXX reasons. First, because I believe Home Depot Credit Services ' policy of ceasing to attempt to contact customers while continuing to impose interest charges and late fees is unethical. Second, because Home Depot Credit Services - even at the supervisor level - failed to provide accurate information to both their customer ( me ) and the credit reporting agencies.
Consumer complaint received 2022-10-02
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. (NY)

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. Inquiries from capital XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My birthday is incorrect which should be XX/XX/XXXX. My only address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX. My name is XXXX XXXX. XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXXXXXX Acct XXXX XXXX needs to be removed immediately also because those accounts don't belong to me!
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: AMERICAN HONDA FINANCE CORP (NY)

On XX/XX/2020 A letter was sent to American Honda Finance requesting payment history and documents to support what is reporting to the bureaus. I have yet to get any response. 

I then followed up with the bureaus on XX/XX/2020 via fax. The silence is deafening. Inconsistent data continues to report with errors. 

I will attach the documents I had sent to the bureaus along with the report. I am going to list the inconsistent misleading data. 
Date of first delinquency is not listed Purge date is not listed Date of last payment is not consistent Date opened is not consistent Late dates are not consistent
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

At the end of year XXXX I did summit a dispute to reinvestigate with the three credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the three credit bureaus, for example on XX/XX/XXXX XXXX report XXXX XXXX, XXXX on tima and Experian on time. XXXX report account on time on months XXXX, XXXX and XXXX when Experian and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between three credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

XXXX It has been since XXXX XXXX, 2015 that I first applied for the refinance. As of today, no decision or counter offer has been conveyed to me. It 's not a new loan and I am not a new customer to Citibank ; my home loan is currently with Citibank and has been for the past several years. 
Each week, you have requested something, and I have provided the item requested ; I would then get a phone call requesting the same item. My response was, " it is in the email that I have sent you. " I have sent an email last week, requesting a response, to no avail. 
I find this process and lack of responsiveness unbelievable. At this point, I believe this lack of responsiveness should be elevated to a Manager, as well as the OCC because I am complaining very loudly regarding the treatment or lack thereof by Citibank. 
Unfortunately, your email to me is very misleading, the service in neither smooth nor easy. And the customer service is very poor, which is in direct contradiction to the statement in the Citibank email. 

XXXX So, since I have sent the above email, the Manager is working on my file, asking for the same things previously provided and a new loan number was issued, but no new disclosures. This is a consumer transaction. I sense compliance violations. 


XXXX Last week, I have received a call from the new loan processor regarding obtaining proper insurance needed on my refinance loan with Citibank. My comment to her was, my loan is currently with Citibank, and they have forced placed the proper insurance needed and is charging me each month. 

XXXX Now today, I get a call and she tells me that the insurance ( that Citibank has forced placed and charged me for ) is unacceptable. My problem is Citibank has forced placed insurance on my loan, and now Citibank is telling me that the forced place insurance is not acceptable. If the insurance is unacceptable, why is Citibank charging for something that is not needed. 

It has been more than 3 months for Citibank to make any kind of decision and to process a refinance request where the existing loan is with Citibank, and now the forced placed insurance by Citibank is unacceptable by Citibank that I am paying for. 
Dealing with Citibank is a NIGHTMARE.
Consumer complaint received 2018-03-01
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. (MI)

On XX/XX/XXXX, I received my credit file from Equifax/results from their investigation regarding XXXX XXXX XXXX XXXX account number XXXX and Equifax Confirmation number XXXX.Equifax investigation is inaccurate.On XX/XX/XXXX, I opened XXXX XXXX XXXX and is now called XXXX XXXX XXXX XXXX for XXXX XXXX in XXXX XXXX Michigan for auto repair and in XX/XX/XXXX this account was closed and paid in full.It is now XXXX, well over the 10 years and this account should have dropped off from Equifax as well as XXXX and XXXX   , but it hasn't.On XX/XX/XXXX around XXXX, I called XXXX XXXX XXXX XXXX and spoke to customer service agent XXXX @ XXXX, and she stated that Equifax, XXXX and XXXX should have removed this old account from your credit reports.I asked XXXX @ XXXX what is the the date it was closed because it does not show on my Equifax file and she stated that the closing date is not in their system but the last activity XX/XX/XXXX.I know this account is more than 10 years old.Therefore, equifax investigation is inaccurate.This closed account that's paid is hurting my credit score and overall credit and must be removed.
Consumer complaint received 2019-12-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$39000.00}, {$21000.00}, {$19000.00}, {$6000.00}, {$2500.00}, {$500.00}, {$500.00}, {$20000.00}, {$73.00}, {$23000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$39000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- AUTO ACCOUNT -- 9. XXXX XXXX XXXX  with ACCT # XXXXXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX XXXX   with ACCT # XXXXXXX opened on XX/XX/XXXX with a credit limit of {$73.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # 545212XXXXXX opened on XX/XX/XXXX with a credit limit of {$23000.00} -This is not my account.
Consumer complaint received 2015-07-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (CA)

In XXXX of 2015, I receive a telephone call from Citibank to remind me that my student loan is a few days past due so I went online and made a payment. I recall the representative indicated that I should setup the automatic payment so I went to the website and downloaded the auto debit form and sent it in and thinking I 'm set and would not have to bother to login and pay it every month. In XXXX 2015, I received a letter from Citibank indicating that I 'm now XXXX days past due on my student loan and Citibank have reported the late to the XXXX credit bureaus. I scrambled to go online and immediately paid the balance due and request for a copy of my credit report. It in fact shows that my credit scores dropped almost XXXX points which I had from excellent down to good credit. I called Citibank to inquire why there was no emails, letter, or even a telephone call to indicate that I 'm past due on my student loan. XXXX rep told me oh " oh record indicate that we did not notify you '' and then transfer me to another rep when I asked to file a complaint. The XXXX rep said " yes, you were notify of the late '' and I asked him how was I notified. At first he could n't say and then said " we mailed you a letter. '' I have never received an email, a phone call, nor a letter in the mail which I 've often do as soon as my payment is even one day past the due date.
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-12-11
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 — Was not notified of investigation status or results
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

On XX/XX/2019, I sent a letter to ARS after they bought one of my medical collections, asking for validation of the debt they say I owe. According to the FCRA, which they must follow as collectors, they were to provide me with a list of information that was included in my initial letter. Instead, of responding correctly, they BROKE THE LAW and only sent me the creditor, account number, and the amount I supposedly owe. I am outraged that this company is not being upheld to the laws written out in the FCRA. I have attached my original letter and their response below.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

There was a checking account for online banking established with Bank of America using my personal information. I assume as a result of identity theft. 
I did not open the account and learned of it when I received e-mails stating that : Verifying my e-mail address ; Starting an processing an online banking account ; online banking account information ; and finally updating my e-mail address. ( I assume to change it with Bank of America ) I caught it and had the bank account closed prior to any money going in or out of the bank account.
Consumer complaint received 2019-12-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$39000.00}, {$21000.00}, {$19000.00}, {$6000.00}, {$2500.00}, {$500.00}, {$500.00}, {$20000.00}, {$73.00}, {$23000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$39000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXXXXXX  opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- AUTO ACCOUNT -- 9. XXXX XXXX XXXX with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX  XXXX XXXX XXXX   with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$73.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$23000.00} -This is not my account.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX  Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate