davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (DC)

XXXXMY HUSBAND AND I HAVE BANKED AT CITIBANK FOR AT LEAST 25 YEARS AND WE HAVE NEVER BOOUNCED A CHECK. SINCE XXXX 2016, WE 'VE RUN OUT OF FUNDS FROM ONE MONTH TO THE NEXT. FROM XXXX to XXXX 2016, MONEY HAS BEEN MISSING and IN XXXX SEVERAL CHECKS HAVE BOUNCED. ON XXXX OCCASIONS, A TELLER WOULD GIVE ME MONEY BACK FROM ME CASHING A CHECK ( HANDING ME THE MONEY WITHOUT COUNTING IT IN MY PRESENCE AND ON XXXX OCCASIONS, WITHOUT LEAVING THE WINDOW, I COUNTED THE MONEY IN HER PRESENCE AND EACH TIME {$10.00} WAS MISSING AND I TOLD HER THAT {$10.00} WAS MISSING AND SHE ACTED AS IF SHE WAS LOOKING AROUND HER AS TO WHERE IT MIGHT BE AND IT WAS UNDER SOME PAPERS AT HER DESK. I HAVE REFUSED TO GO TO HER WINDOW FOR HELP. THE LAST TIME THAT I CONFRONTED HER SHE BECAME BELIIGERENT AND TOLD ME THAT IF I DID N'T GET OUT OF THE BANK, SHE WOULD HAVE SECURITY TO ESCORT ME OUT. AS I SAID PREVIOUSLY, I HAVE BANKED AT CITIBANK OVER 25 YEARS AND HAVE N'T HAD A MOMENT OF BANKING PROBLEM WITH OUR MONEY, NEVER HAD A CHECK BOUNCED. AS SOON AS I CORRECTED THE PROBLEM BY PUTTING MORE MONEY IN THE ACCOUNT, THE MONEY WAS GONE AND OUR ACCOUNT WAS IN THE RED AGAIN. IN MY HOME, I AM THE ONE THAT HANDLES " ALL '' OF MONEY TRANSACTIONS, INCLUDING DEPOSITS, CHECK CASHING and ANY WITHDRAWALS. MY HUSBAND HAS " NEVER '' HANDLED ANY OF THESE SERVICES BECAUSE ALL OF IT ( SINCE MARRIAGE ) HAS AND IS HANDLED BY ME. HE HAS NEVER WITHDRAWN ANY MONEY. I BROUGHT THIS MATTER TO THE ATTENTION OF THE MANAGER OF THE BRANCH WHERE I BANK. THE MANAGER SAID THAT CITIBANK WOULD BE INVESTIGATING THIS SITUATION ALSO. HE SAID THAT HE HAS RESTORED A COUPLE OF FEES THAT I HAVE RECEIVED. I AM UNABLE TO POINT OUT ALL OF THE RETURNED FEES THAT I WAS TOLD HAD BEEN RETURNED. PRIOR TO BANKING AT CITIBANK, I BANKED WITH " XXXX XXXX BANK '' AT LEAST 15 YEARS AND THERE WAS " NEVER '' A PROBLEM WITH ANY MONEY CONSIDERED MISSING OR THE INABILITY TO KNOW WHERE THE MONEY WENT. AT XXXX, ALSO, THERE WAS " NEVER '' A TIME THAT A CHECK BOUNCED. I HAD MONEY IN SAVINGS ACCOUNTS THAT HAD BEEN THERE FOR YEARS THAT I HAD TO USE AS WELL AS MONEY THAT I HAD RECEIVED FROM MY DECEASED MOTHER OVER XXXX ( XXXX ) YEARS AGO THAT I HAD TO USE TO COVER MY CHECKING ACCOUNT WHERE THERE WAS SUPPOSE TO BE MONEY. I HAVE DEPLETED ALL OF MY ACCOUNTS AND MONIES THAT I HAD AS " SAFEGUARDS '' or " EMERGENCIES '' THAT I NEVER HAD TO USE. NOW, AS I THINK ABOUT IT, I BELIEVE MONEY HAS BEEN MISSING OVER QUITE A PERIOD OF TIME, BUT I USED WHERE NECESSARY AT ANY TIME, BECAUSE THERE WAS ALWAYS A SURPLUS AFTER PAYING BILLS, ETC. I AM GRATEFUL FOR ALL OF YOUR HELP TO GET TO THE BOTTOM OF WHAT HAS BEEN HAPPENING TO OUR MONEY. PLEASE CONTACT ME IF MORE INFORMATION IS NEEDED.
Consumer complaint received 2022-12-14
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. (NC)

In accordance with the FAIR CREDIT REPORTING ACT, these accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2019-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: 1st Franklin Financial Corporation (SC)

On XX/XX/19 I called 1st Franklin Financial to see about increasing my loan. I was told that there was a flag on my account placed by the manager which stated they would not lend to me because I lived in another state. I explained that is not true and I only work in another state but my legal residency is maintained in South Carolina. I also explained that I could prove this through my taxes or any other documents. XXXX told me that the manager was gone until Monday and that they were not going to bother him and that I could not speak to corporate. She told me she would give the Assistant Manager my number and have him call me back. The next day I got a call back from XXXX telling me the same thing and that I could try back on Monday with the manager. On XX/XX/19 I called back and asked to speak to the manager, to which they would not allow me. Shortly after asking why, the manager got on the phone and asked what I wanted. I explained I would like to increase my loan. He stated he would not take an application and that he would not lend to me because I live in another state. I explained that this was not true and that I could prove it with legal documents, car registration, ID, taxes, etc ... He told me that I was " Trying to commit fraud '' and that I was " trying to pull the wool over his eyes '' He also stated that If I asked him again, he would pull my credit without my permission and send me a denial letter. I told him good day and ended the call. After that, I called their corporate HQ and made a complaint. A few hours later the Regional Manager called and apologized to me for the way I was treated and threatened by XXXX the manager. He offered no solution what so ever. I have had 3 loans with this company and never missed a payment.
Consumer complaint received 2019-07-16
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. (WA)

They are reporting 6 merchants credit accounts in collections, these medical collection accounts have been removed from XXXX and equifax because they were unverifiable but some how equifax was able to verify them, how? They are reporting incorrect information and they refuse to remove it. This is now my third time disputing it.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

I just got my first credit card ever in the mail from XXXX. I looked at the free credit scanning program included with my card, and saw that I had a Sears Credit card with a balance of {$1400.00}. I have never owned a credit card from Sears. This charge needs to be removed immediately. I suspect my identity has been stolen.
Consumer complaint received 2024-02-12
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. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-03-24
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. (FL)

I received a letter from the XXXX XXXX XXXX saying that my loan was being President Biden paused student Loan Payments until XXXX or until a decision is made by the Supreme Court. I work for a nonprofit. My loan servicer XXXX XXXX XXXX ( XXXX ) ignored the approved pause by the president and reported my student loan as severely delinquent to all three credit bureaus. I immediately sent XXXX a copy of the letter I received from the Department of Education and they just ignored it as they did the President 's pause. 
As a result, my credit score has dropped XXXX points, and my banks and other financial accounts have increased the cost of doing business and interest on my account. 
Even though it is a hardship, I paid two additional payments to the account. To try to avoid this financial train wreck ' until I can find an attorney to address the detrimental effect on my financial reputation Their blatant disregard has had detrimental to my livelihood. 
Please help me with direction on this.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technologies, Inc. (MD)

An inquiry of my credit report was ran WITHOUT my permission and falsely used. I DID NOT request a mortgage screening during that time ( from ANY LENDER USING XXXX XXXX  ) and certain that someone fraudulently ran this check against my name or maybe they have the social security # mixed up. I get instant notifications of any changes, inquiries and such on all XXXX of my credit reports. This would've been impossible and unlikely considering I was only working with XXXX mortgage companies and XXXX used XXXX XXXX while the other used XXXX XXXX. Not XXXX XXXX, I was never associated with a lender that used them nor gave anyone permission to do so.
Consumer complaint received 2022-11-04
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. (GA)

Please help, I noticed inaccurate accounts associated with my credit reports from TransUnion, XXXX, and XXXX. For the past three to four months, I have called as well as mailed all three companies to immediately remove said accounts from my report. My TransUnion credit report is showing a charge off with an amount of {$8300.00}, ( charge offs should not carry a balance and should be deleted from my report ). As well as two inquiries that I did not authorize ( plus they're not associated with any open accounts ). My XXXX shows that I have two charge offs for {$8300.00}, {$1000.00} and two inquires. These two should also be deleted as stated earlier regarding charge offs and unauthorized inquires not associated with an account. XXXX shows two charge offs for {$8300.00}, {$1000.00} and should be deleted. They also should update my consumer report to reflect these changes. They have failed to do so and it has cost me greatly the access to obtain credit. My interest rates are higher, I am unable to get a mortgage, and live a decent life with my family. Please help me by enforcing these companies to take action by removing the accounts I have mentioned in the letters I have sent to them. 

Your service is appreciated. 

God bless,
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XX/XX/2021, i deposit {$2300.00} to my checking account on Bank of American ATM at " XXXX XXXX & XXXX XXXX, XXXX, New York ''. but the ATM only give me a reciept of {$1300.00} in total. i checked my account right away, and there is only {$1300.00} deposited to my account. i asked the people in the branch, they said i need to call the number on the ATM. they can do nothing about it. i called the umber on the ATM, and they opened a case for me and ask me to wait for them to investigate. 
on XX/XX/XXXX, i received a letter from Bank of American told me they can not approve my claim. on my apoint of view, i did put {$2300.00} in the ATM in total, but i only got {$1300.00} in my account. where the missing {$1000.00} could go. there must be a differrent when they close that ATM, how cound they just ignor that much different.
Consumer complaint received 2019-08-04
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: Transfinancial Companies, Inc (LA)

Upon pulling my credit reports the company Transfinancial had placed two accounts in the amounts of {$940.00} and {$330.00}. Upon asking the company for validation of the account the company responded sending protected medical information. After further review of the information sent although a grave HIPAA violation, I also realized that the social security number does not match mine. The social security number is that of someone else and the accounts have been placed in error. These accounts need to be removed immediately due to this error.
Consumer complaint received 2022-07-24
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. (CA)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. Also, they are charging me this balance of {$540.00} when I have never received any money from them at all. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-02-18
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 {$31000.00}, {$0.00}. 
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 ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

According to My Current Credit report, I have an outstanding balance of {$4800.00}, On a Capital One Card, when in actuality the card had been paid off in one sitting. However, the balance still remains on the report and proceeds to bring my credit score down.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (PA)

SECURITY CREDIT SERVICES Is requesting that I pay {$1800.00} for a account that is no obligation of mines. Account was opened Date opened XX/XX/2016, 15 usc 1692b only a consumer can claim debt. I dispute this account on XXXX  and they stated the creditor verified the account was accurate which is also a validation of 15 use 1681 ( A ) ( E ) none of my family or associates was contacted which would mean a full investigation was not done this would also mean there in validation of 15 usc 1692f, 15 usc 1692e, 15 usc 1692d, 15 usc 1692j, 15 usc 1681b
Consumer complaint received 2020-02-17
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. (FL)

As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX XXXX {$19000.00} XXXX/XXXX XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX  XXXX XXXX XXXX {$77000.00} XXXX/XXXX  XXXX {$140.00} DEPT OF EDUCATION/XXXX XXXX {$32000.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX  XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$8700.00} XXXX/XXXX  XXXX {$460.00}
Consumer complaint received 2019-07-16
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. (LA)

On XX/XX/2019 I sent XXXX, XXXX Credit Information Services , Inc. and Experian certified letters disputing a bankruptcy listed on my credit file. XXXX  has deleted this information off of my personal credit report. XXXX   and Experian has not. Both companies informed me that the information was verified. 

I also sent a certified letter to the United States Bankruptcy Court listed on my Credit file asking for their procedure and policy when reporting information to the Credit Bureaus. 
On XX/XX/2019 I receive a letter with general information about Bankruptcy and credit reporting. The last page of the letter from the United States Bankruptcy Court of XXXX XXXX of Louisiana had a highlighted section stating " The bankruptcy courts DO NOT provide information to the credit reporting agencies. '' However, the credit reporting agencies are reporting that they received information from " US BKPT CT LA XXXX ''. In addition, N/A is listed where there is supposed to be a verified date. Lastly there is no comment stating this information was disputed. Lastly, it is beyond the 30 days for both companies to correct this information. 

Per FCRA section 611 ( a ) ( 1 ) ( A ) I have the right to dispute the inaccurate, unverifiable or unfair item. And the credit reporting agency must respond within 30 days and state on my credit report " the information has been disputed. '' I am attaching my documentation of these events, including : a copy of the letter I mailed the credit bureaus, the certified mail receipt and a copy of my credit report from both bureaus as of XX/XX/2019.