davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 at XXXX ( according to my bank statement ) I withdrew some cash with my Citibank debit card at an ATM on a busy street in XXXX , XXXX . Then I went on about my day being a tourist. On XX/XX/2021, I noticed I no longer had either my Citibank debit card or my XXXX XXXX credit card. I instantly reviewed my accounts and noticed that there were charges on both cards that I did not make and several cash withdrawals on my Citibank debit card. I called both companies on XX/XX/XXXX reporting the charges as fraud. XXXX XXXX credited all the charges back to my account with no issue. However, Citibank are refusing to credit my account for some charges even after approving crediting my account the cash withdrawals that happened on XX/XX/XXXX even before the merchant charges that happened on XX/XX/2021. They are refusing to credit back my account for {$2500.00} that happened on XXXX XXXX at XXXX, {$1200.00} on XX/XX/XXXX at XXXX, {$1000.00} on XXXX XXXX at XXXX, {$11.00} on XX/XX/XXXX at XXXX, {$11.00} on XX/XX/XXXX at XXXX, {$4.00} on XX/XX/XXXX at XXXX and also all the foreign transaction for charges ( {$75.00}, {$37.00}, {$31.00}, {$0.00}, {$0.00} ) which I did not make any of these charges. These merchant charges were all made on XX/XX/XXXX after the cash withdrawals. I have appealed their decision three times now, but they have not given me any substantial reason why. I even told them that I have a witness that will confirm that I did not even leave the XXXX all day on XX/XX/2021. The latest case # I had open was XXXX and they have could not resolve the dispute in my favor. I have been a customer for over 10 years and never had any issues with my account, but now I can not get my money back for fraudulent charges that I did not make.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

This happened on XX/XX/2021 around XXXX XXXX .I deposited $ XXXX {$1400.00} at the ATM # XXXX at the Branch on 5XXXX XXXX XXXX., XXXX, CA Branch # XXXX . I click on the email button expecting to receive thereceipt of my deposit via email but never got an email from CITI Bank and the money was not deposited in my account.
Consumer complaint received 2021-11-12
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)

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX  To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX XXXX for XXXX, one is {$410.00} and one is {$220.00}. Both account statuses show past due and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by XXXX XXXX is a VIOLATION of the HIPAA Act of 1996. XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX as well as XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX XXXX, XXXX XXXX, and all 3 credit bureaus : Experian, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Consumer complaint received 2021-11-12
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. (SC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent in Equifax. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX/XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-11-12
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: Debt Recovery Solutions, LLC (CA)

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( DEBT RECOVERY SOLUTIONS, XXXX XXXX XXXX, RENT DEBT XXXX XXXX , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
Consumer complaint received 2021-11-12
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. (IL)

I paid off the remaining balance on four Federal Stafford student loan accounts XX/XX/XXXX ( due the XXXX of every month ) during the covid pandemic. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX because Transunion reported my 4 student loan tradelines as 60 days Past Due Date/Maximum Delinquency of 60 days as of XX/XX/XXXX, however, the negative information in the summary details contradicts the information provided by the TransUnion Tradeline Payment History chart where all sections or months are recorded as OK or CURRENT. My loan was under a federal IDR plan, and if I were late, I was eligible for relief under the COVID 19 Rescue Plan. 
XXXX XXXX XXXX I also possess the loan payment details from the loan servicer 's online site indicating I was 0 days delinquent on all 4 of my student loan accounts. Currently, I am unable to secure credit, a lower interest rate, additional lines of credit, a mortgage, or an auto loan. On XX/XX/XXXX, I was denied a loan from XXXX XXXX with whom I previously had a line of credit that I paid off in XX/XX/XXXX. The negative information according to TransUnion will not be removed or dropped from my credit file until XX/XX/XXXX.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (FL)

I am writing this email to submit a formal complaint about my experience DHI Mortgage employee, XXXX XXXX XXXX, XXXX ID # XXXX. I have been working with him since XXXX of XXXX once I submitted my offer for my new construction home. 

I uploaded all of my final required documents in XX/XX/XXXX. XXXX contacted me on XX/XX/XXXX to inquire if I wanted to now lock in my rate at 4.875 %. When asked why has he contacted me now on XX/XX/XXXX to lock in my rates while they are now extremely high and not back in XXXX when I submitted all of my documents, his response was " well I can't control the rate increases and I can not control the completion date of the home ''. I informed him that I am well aware that he can not control those items, my concern is why is he now contacting me to lock in my rate after they have increased significantly but not back in XXXX after he received every document that was requested from me. He then responded " It was too early to lock in the rate back in XXXX and I told you in XXXX that the rates were not locked ''. I responded once again, that I understand XXXX was too early and I am aware that the rate was not locked back in XXXX but I wanted to know why this option was not presented to be back in XXXX after all of my documents were submitted. He could not provide me with a logical answer instead he kept repeating that it was too early back in XXXX to lock in the rates. So I asked why was it too early then but not too early now knowing that my home is still not completed? He could not provide me with a response. 

I am extremely frustrated knowing that because this agent dropped the ball and failed to disclose to me back in XXXX that I had the option of locking in my rate for 60 to 90 days as he mentioned on the call on XX/XX/XXXX, that I went from 3.25 % back in XXXX to 4.875 % now. I am referencing the XXXX rate because I did not hear from him in XXXX or XXXX to know what the rates were at that time. 

I emailed a written complaint about this agent 's action to the branch manager as well as well a written complaint to the builder.
Consumer complaint received 2021-11-12
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. (TN)

I have been disputing 6 fraudulent Accts on my Equifax credit report for 3 years. Below are name and amount of accts. 

Dept of Ed/XXXX {$3000.00} Dept of Ed/XXXX {$1400.00} Dept of Ed/XXXX {$4300.00} Dept of Ed/XXXX {$8400.00} Dept of Ed/XXXX {$4600.00} Dept of Ed/XXXX {$10000.00} I have sent notarized letter to XXXX , copy of SScard, picture of ID so they could analyze my signature, Police report to Equifax and XXXX to prove Identity theft and these accts still remain . These accts are NOT mines please remove.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

Today XX/XX/2021 I attempted to transfer funds from Coinbase to my credit union account / debit card. I received an error message stating " We're having connection issues. Please try later. '' I tried later, repeatedly, and got the same answer. I have {$7000.00} in Coinbase, and I need it today. My email with them is XXXX.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CO)

This issue began as of the closing XX/XX/19 with a payment due date of XX/XX/19 in which the annual membership fee was displayed under fees of {$190.00}. There were XXXX purchases that posted on account XX/XX/19 and an automatic payment charged to the American Express on XX/XX/19. ( I had forgotten about the latter ) I immediately contacted the merchant which charged {$20.00} monthly and switched to a different credit card. I also contacted American Express customer service to make sure the account was cancelled. I wanted to avoid the annual fee since I possessed other cards with no member fees. 

I contacted the company at least five times since then. They state when they receive the complaint that they will investigate and provide with temporary credit. They have also credited me with {$150.00}. Although, continue to charge the annual fee with late fees of {$40.00} each month. I have asked for a waiver or even a pro rated fee. Being that I informed them I wanted to cancel the card as soon as I realized that there was a fee. I suggest the fee be more conspicuous or highlighted in some way.. 

At this time I show a balance of almost {$500.00}. This debt has effected my credit reporting and score negatively, as well as increased rates on mortgage loans.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion XXXX XXXX XXXX XXXX XXXX ( TransUnion SmartMove ) is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation. 
Case Numbers : XXXX and XXXX
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time XXXX XXXX XXXX and I saw two incorrectly trade lines for an account from XXXX for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to XXXX by XXXX is a VIOLATION of the HIPAA Act of XXXX. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX, XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and Transunion. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Consumer complaint received 2019-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/2019 i was supposed to recieve certain goods from a guy who scammed me through ... I have the entire agreement and that i never received wat i purchased ... The guy stole my money and blocked me everywhere and it seems im helpless to recover my money ... I contacted paypal and the told me there was no unauthorized activity on my account ... Well if i didnt get wat i paid for wat should i call it ... I need help in recovering my money through paypal from that guy and i got all the proof ... Paypal just doesnt care ... I dont have money to just throw around ... Please help me ... Paypal aint right at all.
Consumer complaint received 2024-02-16
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. (NC)

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 : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX I ran across an advertisement for XXXX XXXX XXXX XXXX claiming this LLC would help a person obtain their Vehicle Dealers License, the owner directed me to the companies website at XXXX based on the services the owner, XXXX XXXX he told me that I qualified for the Skinny Package for {$2400.00}, I told him I already had an office, and my own XXXX, so he I didn't need those particular services rendered to me by his company and he verbally agreed. 

XXXX XXXX, advised me to purchase the " XXXX XXXX '' on line and stated that I would receive the following services, ( 1 ). Dealer App Review, ( 2 ). Occupational Expedite, ( 3 ). City Business License Expedite +Fee, ( 4 ). Bond Referral and ( 5 ). A XXXX XXXX. XXXX XXXX insisted that I pay with Apple Pay, but I I told him that I only had an Apple Master Card, I paid the full price of {$2400.00} and 2 months had passed without XXXX XXXX rendering me any kind of service. 

I immediately disputed the transaction with my Apple Card service provider, on three different occasions, ( 1 ). on XX/XX/XXXX, ( 2 ). XX/XX/XXXX and ( 3 ). XX/XX/XXXX. I have proven that no service has been rendered, by XXXX XXXX XXXX XXXX and XXXX XXXX couldn't provide Goldman Sachs with a Lease containing my signature since I told him in advance that I already had an Office Space. Goldman Sachs aka Apple Master Card has yet to clear this dispute or render a decision in my favor. 

I went to the XXXX XXXX Police Department to file charges, and met a Woman there for the same reason, only difference is that XXXX XXXX XXXX XXXX charged another consumer {$11000.00} for the same service they claimed to have offered me and they told us that both cases were civil.
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (CA)

am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was recently made aware that my credit limit was reduced from {$2500.00} to {$1900.00}. I was notified of this transgression specifically 15 USC 1601- The Truth in Lending Act by Banana Republic XXXX XXXX XXXX service on XX/XX/2021. I as a natural person was harmed by Banana Republic 's adverse action taken against me. My rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), Banana Republic is now civilly liable to pay me for the damages.