davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Revolut Technologies Inc. (CA)

I have an account at Revolut /XXXX XXXX XXXX   and I had my sba loan get deposited there on XX/XX/20 of XXXX $ and that locked my account I can not get ahold of support and I am unable to access my funds. there is no way to call or email any one to resolve why I'm locked out of my account and can not access my money.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: 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. 

XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX  XXXX XXXX  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 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 2021-10-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc. (CO)

I currently had sold my home and was going to purchase a new build home and wanted to put the money in a " safe place '' while the construction on the new home was being completed so I opened a CD account with Comenity online bank for {$140000.00} that was funded from my regular bank account on XX/XX/XXXX. My plans changed and I found a new build house that was available now and made an offer on that property and needed to close the CD in order to put a down payment on this house. I called their customer service as soon as I knew of this change on XX/XX/XXXX to request information on how to take a penalty and close my CD with them. I was given the information on the penalty, and was told it would take 3-5 business days for them to send the money back to my original account. I requested that the account be closed on XX/XX/XXXX. The closing on my new property was scheduled for today XX/XX/XXXX. They still have not completed this transaction. They have an online messaging system that I have sent 10 messages inquiring about the status of this account and the only response I have received is that it is " under review ''. I have called their customer service line daily starting on XX/XX/XXXX since I was getting no response on their online messaging system. I have spoken to several members on their customer service team and their " escalation '' team. I have asked to speak with a manager, director, supervisor and have been told that they do not take direct calls. Multiple customer service agents have assured me that the account has been escalated, however when I called yesterday on XX/XX/XXXX the customer service person I spoke to said she could not see notes that my account has been escalated. I contacted the bank again today XX/XX/XXXX and the customer service rep told me that my only next step might be to write a letter to their corporate office and was unable to give me any further information regarding my account. 
As a result of this, I have had to scramble to try to find other ways to fund the closing of my home. It is a very disconcerting thing to put your money in a place for safekeeping just to feel like you need to actually be protected from the financial institution itself. I would want other consumers to know that this bank does not make good on the information they give you, and will not transfer your money to you even in the case of an emergent situation.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

These Credit Reporting Agencies Experian, XXXX and XXXX have furnished false and deceptive information without my consent. I did not authorize nor did I benefit from the reporting of these accounts and unknown inquires. Congress already found and declared that they have assumed a vital role that they do not have and that they shall exercise their grave responsibility with fairness and impartiality. They must respect the consumers right to privacy, and confidentiality. This information is not fair and equitable to me the consumer and I am requesting you update the information to my written instructions.
Consumer complaint received 2019-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2019 a non authorized transaction was made in the amount of {$2400.00} sent to an unknown individual. I called the bank to explain the situation as soon as I noticed what had happend. With in the week I got a response stating my claim has been denied. I kept fighting for my money wich was to pay my rent and was asked for a letter from my phone company that after doing my own intensive research I realized it doesn't even exist. So they were asking me to show them something they know is impossible to get wich is a complete mockery and an insult to me after being a loyal customer. I will not let them steal my hard earned money that I sweat for and work extremely hard for. I Need my money ASAP I can not afford to play these foolish childish games with employees who are supposed to provide excellent customer service and instead they make complete fools of us. Meanwhile fraud against me is being committed.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MA)

Citi Reference Number : XXXX and XXXX This would be my sixth complaint/response to CFPB and Citi Executive Response Unit ( CERU ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BACKGROUND ( SUMMARIZED ) Citi practically stole my savings account for 63 days by freezing it without my consent. I had no access to it and was provided no useful information or was offered a real way to resolve the issue. In over at least 15 phone calls, correspondence, and complaints, I hit dead ends for all of them. 

As a result, I suffered a monetary loss in the amount of {$600.00}, the opportunity to earn interest in the amount of {$300.00} ( by putting it in a higher interest account ), and I have lost HOURS of time in making multiple calls and writing correspondence that Citi does not seem to take seriously. In addition, my account was terminated without cause. I am looking to be compensated for my monetary and time loss stated above. 

I am suspecting illegal asset freeze ( see other similar complaints in XXXX and CFPB by other customers ). For the unexplained account closure, I am suspecting discrimination. 

For more detailed background, I have provided comprehensive explanations and complaints here : CFPB complaint # XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX  complaint # XXXX, XXXX. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- MY MESSAGE TO CITI I will simplify this complaint to the REAL ISSUE here, and I would appreciate your direct and transparent response without avoiding the issue or putting the blame on me not following instructions ( because I did ) : Why did you freeze my account for 63 days without my consent and without providing a way for me to resolve the issue? DO NOT tell me that I did not follow your instructions to call the number you provided, because I did even before you told me to. 

There you go, plain and simple. 

I am still waiting for your call to resolve this matter in person. I really don't understand why we need to communicate via CFPB.
Consumer complaint received 2020-05-18
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. (OH)

I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX XXXX and TransUnion and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WI)

I signed up for an account with Citibank with a promotion where depositing {$15000.00} for 60 would result in a bonus of {$400.00}. There were some snags along the way because the original account was compromised and {$7000.00} was stolen. Eventually that money was recovered but because the account was compromised, I needed to reopen the account. I met the terms of the promotion by holding {$15000.00} from XX/XX/XXXX to XX/XX/XXXX ( 90 days exactly ).

I contacted them 2 about the bonus, was redirect, and got the run around. They claimed I had only held the {$15000.00} for only 30 days. In entirety, because of the first compromised account, Citibank has had this money since XX/XX/XXXX, almost 6 months without moving forward with this bonus. 

Also, their handling of the compromised account was terrible. I was locked out from online access. I had to open a CFPB complaint to regain access and I had to do the detective work on my own. Citibank also did not properly close the compromised account and continued to try to bill me. Only a CFPB complaint resolved that issue.
Consumer complaint received 2020-05-18
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. (CT)

I've worked really hard over the past year to clear up my debts and improve my credit scores with XXXX XXXX, and Transunion. Apparently, they don't respond in kind on their end. It's been extremely difficult trying to make contact with them either by phone or online. It is vitally important to can get things in order so that when a lender is checking my credit score it will be accurate. No matter how many times I've tried to contact them about my current financial record about no late payments, no loan debt, no late accounts, no collections, wrong addresses on their end, and exceptional open accounts ... they don't make the proper changes so I can move forward. I find that to be not only unfair, but negligent. Some of the agents prove to be unresponsive, sloppy, slow to respond, and inaccurate. I've had lenders turn me down even for the simplest of things recently. It's like I'm being punished by the 'Credit Bureau 's ' now. I'm proud of how far I've come, and I'd like to ask for your support. I went through a very painful period monetarily, and now that I'm on my feet again I deserve to be treated with dignity and respect by those who have little or no compassion for others. Respectfully yours!
Consumer complaint received 2019-10-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

THE FOLLOWING ACCOUNT IS NEGATIVELY IMPACTING MY CREDIT 'S OVER-ALL HEALTH AS OF XXXX OF XXXX, WHEN THE ACCOUNT WAS FIRST OPENED. 
THIS ACCOUNT WAS PAST DUE 60 DAYS AND HAS A BALANCE OF {$920.00}. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, I AM AT A STAND-STILL. NOW IT'S COME TO A POINT WHERE IT IS REALLY DIFFICULT TO OBTAIN ANY TYPE OF FULFILLMENT TOWARDS MY GOALS. THE FIRST ATTEMPT AT REMOVING THIS ACCOUNT WAS WHEN I FIRST SENT A DISPUTE LETTER ON : XX/XX/2018. SEVERAL OTHER ATTEMPTS WERE MADE AT REMOVING THE ACCOUNT AN D NOTHING WAS DONE ABOUT IT. I DEMAND TO KNOW WHY THIS ACCOUNT IS NEGATIVELY REFLECTING ON THERE STILL.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

I was told during the loan application process that my loan closing costs would be approxamently {$900.00}. I was asked to pay and did pay {$500.00}. For an appraisal. The phone conversations were with XXXX XXXX of Quicken Loans LLC. His E-mail is XXXX. His phone number is XXXX XXXX XXXX. After the appraisal was done I received a loan estimate in the mail ( on or about XXXX ). The loan estimate showed loan closing costs of {$8200.00}. I called XXXX XXXX and told him the loan closing costs were excessive and that I did not want to proceed with the loan. I have asked for my appraisal fee of {$500.00}. To be returned to me since I would not have agreed to an appraisal if I had been told of there loan closing costs. XXXX XXXX in an e-mail has indicated that they would not do that. 

I have read the CFPB rules and they state that the only fee a lender can ask you to pay prior to providing a loan estimate is a fee for obtaining your credit report. Credit report fees are typically less than {$30.00}.
Consumer complaint received 2020-05-17
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. (AL)

XXXX XXXX XXXX submitted two disputes on my behalf to correct two late payments ana the crake  bureaus have not updated my report yet. I have submitted several disputes and the information has not been updated. There is are late payments for XXXX and XX/XX/2019. This information is inaccurate I have told them that ana so has XXXX XXXX. I do not know what to do and why this information is not updated. When I submit disputes the creditor does not even investigate. XXXX told me that they have not received anything from these three credit bureaus regarding my account. So they are just ignoring my requests.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

Hi, My name is XXXX XXXX. 

I applied for costco citi credit card on XX/XX/2020 when my credit score was XXXX. The application has not been approved. On XX/XX/2020 I received an email explaining why my credit card application got denied. The letter in the email attachment says that My score is XXXX, delinquencies in my credit accounts, high credit card balances which is totally incorrect. They received that report from XXXX Credit Information Services. I called XXXX  and they say that my report is in good standing and no such information is true as per the letter. I called citi credit card services. They say that they do not have any control and they just depend on what they receive from the system. I also had a hard inquiry in my credit history because of this false reporting. 

What kind of a report is that then? 

I want to report this incident so that in future this kind of inaccurate reporting does not impact credit decisions for me or other customers. 

Thank you for providing opportunity to report such grievances to take necessary actions if needed. I can provide more evidences if required. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-17
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: Experian Information Solutions Inc. (TX)

I pulled my credit report and found a number of hard inquiries that I do not recognized. I called the companies as well as file a fraud account as well as freeze my account to avoid future inquiries.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

To Whom it May Concern : On a recent review of my credit report I discovered your company issued late payments on my credit report for XX/XX/XXXX. 

At the time I was living at : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and it affecting my income as a result. 

You will notice I still have this car loan, have made all payments on time before and after, and will continue to do so. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this matter.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, XXXX, and Transunion didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for Transunion and XXXX  and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

XX/XX/2020. 
So this loan company calls. Tells me I can have a {$2000.00} loan. Covid has made me desperate for living expenses. All I need to do is take the {$800.00} he will deposit in my Wells Fargo account and return it to him. It's not my money, so it seemed correct. I gave him my account info so he could deposit. Just routing and acct number All of a sudden, there was {$800.00} in my bank. He wanted me to return the money back to him. Then, the trust factor is built and he will deposit the {$2000.00}. He, somehow, got by Wells Fargo 's shoddy security. He got access to my online account somehow. I later found out, that what he did in my account is file disputes on purchases I made, and some idiot Wells Fargo person put up an {$800.00} provisional credit. I thought it was his deposit to me. I have asked for provisional credit and never, ever was granted it. Is this an insude job? What kind of idiot at WF puts up an {$800.00} provisional credit from 8 different transactions? You can't do this without the aid of a banker. I got robbed of {$800.00} because of this person/idiot that set the credit. If that never would have happened, I never would have lost the money they pulled back and posted as available. They are responsible for the {$800.00}, they put up the credit for a thief. I knew I did not have {$800.00} in my acct. So, when it appeared, it had to be a deposit to me. So, I thought it was. They have sent letters and deny any wrong doing and refuse to help. I have documents from the phony loan company, phone numbers, text messages. It all seemed legit. These are professional felons, and I thought Wells Fargo had insurance for when they make huge security errors like this? I was robbed by a bank! Too big to care. I couldn't pay my rent, now facing possible eviction.

Certainly, there must be protection from banking institutions, we rely on these professionals to do their job.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine They have them on my equifax XXXX XXXX report and they haven't remove them Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"