davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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: CITIBANK, N.A. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, 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. (CA)

XX/XX/XXXX2022 I received my citi bank card with credit limit of XXXX XXXX refused to report it after XXXX sent me 2 lettersXXXX22 and on XX/XX/XXXX22 that they sent letters to all 3 credit agencies that they update my file and that have been reporting to all 3 major consumer reporting agencies. XXXX has been inaccurately putting the wrong credit information. equifax accurately reported it no XXXX/XXXX/2022. I don't understand why I have to worry about an agency that is supposed to report information they receive and verify it's accuracy.
Consumer complaint received 2023-05-16
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. (NJ)

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 XXXX XXXX, Account name : XXXX XXXX, ACCOUNT XXXX XXXX, Account name : XXXX  ACCOUNT # 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 2019-03-26
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: AMERICAN EXPRESS COMPANY (VA)

I have not being using my American Express credit card since approximately 2014. I have not received statements since because the American Express customer service will not change my mailing address or send me a new card after I had been living in XXXX for a while. Amex had my bank account information and they had been withdrawing from my account payments for the credit card but I never received an statement or had a credit card. When I called American Express customer service on several occasions they wouldnt fix the problem. I have recently received a new card and they will still have my wrong mailing address after several phone calls. They also have stated that there are charges made to my account which I didnt incur. I have not received statements since approximately 2014 and they have sent credit cards and statements to the wrong address. Someone else has been using the card and the American Express representative said that he couldnt help me since I am transfered to the department for lack of payment. It is an abuse to customers and I told them to cancel all cards. Apparently there is more than one card in their system and I dont know who is in possession of those cards.
Consumer complaint received 2021-05-20
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. (MO)

I XXXX XXXX, the consumer, rights has been violated. 

Pursuant to 15 usc 1681b a ) Subject to subsection ( c ), any consumer reporting agency my furnish a consumer report the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the consumer XXXX XXXX, have never given permission to report anything on my consumer report. No consent is IDENTITY THEFT. 
1. I am demanding the removal of this inquiry : XXXX XXXX - G 2. I am demanding the removal of this accounts : XXXX XXXX : XXXX XXXX : XXXX XXXX :
Consumer complaint received 2022-12-22
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to failto validate this reporting account as unverified information without providing any proof within the time framespecified by law. My credit report includes the erroneous information that needs to be investigated andcorrected : XXXX XXXX XXXX : {$400.00}
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing CHARGED OFF our second mortgage XX/XX/2008. We did not receive Tax form 1099-C. Now that the home has built equity SPECIALIZED LOAN SERVICING is requesting an inflated amount to be paid. How can a mortgage company request payment for a charged off debt? Is this legal the tax incentives were provided on this money? Is this company targeting my household due to RACE and location of my home XXXX XXXX XXXX
Consumer complaint received 2019-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/19 around XXXX I went to the TD Bank drive-up ATM at XXXX XXXX XXXX XXXX , XXXX   and used my XXXX XXXX debit card to make a cash deposit of {$1100.00}. The ATM encountered some type of error and produced a " Forced Deposit Record '' and the funds were not deposited into my account. I entered the TD Bank branch immediately following the transaction and spoke to a female teller who told me that I would have to contact XXXX XXXX about the missing funds. On the same day, I visited the XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX and initiated the ATM claim process. I was issued a temporary credit in the amount of {$1100.00} for the claim on XX/XX/19. The temporary credit was reversed by XXXX XXXX on XX/XX/19 when they could not find a record of the XX/XX/19 transaction in their system ( XXXX # XXXX ). I was told to contact TD Bank to complete my claim. On XX/XX/19 I visited the TD Bank branch in XXXX, XXXX  and spoke to the branch manager, XXXX XXXX. I told XXXX my situation and I also told him that I had misplaced the receipt from the original transaction. XXXX checked his records from XX/XX/19 and XX/XX/19 and told me that the ledger was balanced and there was no record of any missing money. He told me he was going to contact ATM services with my information and give me an answer by XX/XX/19. On XX/XX/19 I re-visited the TD Bank branch after I had not heard from XXXX. XXXX told me that he had no new information and that there was nothing that he could do for me without a receipt because he had no proof that I made a transaction. I asked XXXX if he would be able to gain access to the security footage to verify that I had visited the branch on XX/XX/19 around XXXX, and he said that would not be possible unless there was an investigation of fraud. XXXX insisted that my issue did not involve him and was not a TD Bank issue. I emailed XXXX after our meeting on XX/XX/19 and asked him to keep me updated, and received no reply. I visited the XXXX Police Department on XX/XX/19 and spoke with Officer XXXX XXXX who helped me record my events in a police report. I emailed XXXX for a second time on XX/XX/19 and once again asked for an update on my situation, and did not receive a reply. I submitted a complaint to the Massachusetts Attorney General 's office on XX/XX/19. I called TD Bank customer service on XX/XX/19 and spoke with an agent named XXXX. XXXX contacted the branch on my behalf and spoke with XXXX XXXX, XXXX once again showed no interest in helping me resolve my situation and XXXX suggested that I take further legal action. I received a reply letter from XXXX XXXX XXXX XXXX dated XX/XX/19 ( Complaint # XXXX ). On XX/XX/19 XXXX suggested I file a complaint with the CFPB.
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastpoint Recovery Group, Inc (OH)

This lady XXXX XXXX has called numerous times not just me but my family members my brothers and my elderly father claiming that him and my mother are responsible for my debt if I don't pay now they're calling XXXX knows who else XXXX is claiming that she is a lawyer claiming that there will be criminal action against me if I don't pay a debt it's beyond ridiculous and it's very abusive
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (WA)

I am filing the complaint against EQUIFAX, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2019-03-26
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)

The information showing below is falsely reporting on my credit.

1 ) XXXX XXXX Acct # XXXX -- - {$350.00} 2 ) XXXX XXXX XXXX  Amount {$3200.00} I complained to the FTC. My FTC Complaint Report # XXXX
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO. (OH)

Card account was supposed to be closed in XXXX  by JP Morgan Chase, card was a prepaid employer card. Chase ended the relationship and refused to disclose why, refuse to explain why my account was closed and refused to open another. I am not in check systems nore have I ever been with this bank. It says that I am a current customer and I am not a customer and in their details it ask for my personal information and the lady asked if I have a mortgage " I said No ''. I called because it alerted me of such an account but yet when I call it's telling me something different.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (IL)

Although I have never done business with XXXX XXXX XXXX XXXX. XXXX Credit Card and have opted out, Experian continues to allow XXXX XXXX XXXX to check my credit on XX/XX/2021 without a permissible purpose. Experian does not allow disputes on soft inquiries and upon calling, the automated call does not allow consumers to speak to a representative. I waited on hold last night for over 15 minutes and then hung up on.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/2020, I opened an account online with Citibank using the special promotion link on their website. The promotion stated that if I opened a new checking account with at least {$15000.00} and kept that minimum balance for 60 days, the account will be credited with a {$400.00} bonus within 90 days after the initial 60 day period. There was an additional {$100.00} bonus if I made a direct deposit into that account. 

After opening the account online, I promptly transferred the {$15000.00} to Citibank. I have never made any withdrawals from that account since then and did not make any direct deposit. However, it has been almost XXXX months, Citibank has not kept their end of the bargain and deposited the {$400.00} bonus into my account. 

After initially confirming through an online chat with a Citibank representative named XXXX on XXXX XXXX XX/XX/XXXX that my account would get the bonus by XX/XX/XXXX, Citibank is now reneging and claiming that my account was never opened using any promotional offer. They are asking me to provide proof which is sort of impossible since the account was opened online using their special link for the promotional offer which still exists today. 

I have spent the last month going back and forth with Citibank and they continue to give me the run around promising to research the issue and get back to me but the results are the same. 

Can you please help? Can you please help? If you need further documentation, please let me know. 

Thank you
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

I visited a website at toyonly.shop after seeing an ad on XXXX. I placed an order for a XXXX XXXX XXXX through Paypal credit in the amount of {$99.00} on XX/XX/XXXX at XXXX XXXX. After completing the purchase, I continued browsing the website while waiting for my email confirmation. After a few minutes, I started to suspect that the website could be fraudulent. I never received an email confirmation for my order. I also did some investigating on the website and could not find any " Contact us '' page so there was no way for me to initiate a refund or even contact the seller. I also checked the website domain and found that the domain had been registered just 3 days prior. Additionally, the website, as of this day is already no longer up and running. On the same day on XX/XX/XXXX, I started a claim with Paypal through their Resolution Center because PayPal has a buyer protection policy. I explained to them my situation and asked that they help me resolve it. They sent me an email saying that they've contacted the seller and were waiting for a response. On XX/XX/XXXX at XXXX XXXX  I received an email from XXXX informing me that the seller added shipping details and provided a USPS tracking number. I'm not sure if the paypal email was actually sent from paypal or a spoofed, fraudulent account because when I checked the claim tracker on the Paypal website 's Resolution Center, it remained in the step " waiting for response from seller ''. Regardless, I checked the tracking number that was provided in the email. In the tracking history, it showed that the item was picked up by shipping partner on XX/XX/XXXX at XXXX XXXX. I didn't even place the order until XXXX XXXX  that day. Even if it's a different time zone, XXXX XXXX  EST would be XXXX PST so there is absolutely no way that this was a legitimate tracking number. The Paypal Resolution Center claim tracker was still in " waiting on seller '' step so I just waited. Finally on XX/XX/XXXX at XXXX XXXX  I received an email from Paypal stating that they finished reviewing my case and that they were going to deny my claim and close it. They said that the reason being the seller provided tracking information and it showed that it was delivered. They did not allow me to comment on the issue such as the issue with the time or even dispute the decision. I tried submitting a new claim as new evidence did surface since I submitted the initial claim ( the new evidence being the bogus tracking number that they provided as well as the website no longer being up and running ). I don't believe that Paypal handled my case properly. They did not allow me to initiate the refund even though I discovered the issues immediately and then ultimately sided with the " seller '' even though the evidence that the seller provided only further proves that it was a fraudulent sale.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EAGLE BANCORP, INC. (VA)

I own a business that has its checking account at Eagle Bank. One of my personal checking accounts is held by Eagle Bank also.

One of my senior employees is authorized to undertake specific actions for my business checking account. She has nothing to do with my personal finances. 

An employee at Eagle Bank emailed my employee to ask about transactions on my personal account. They sent an email with check images that I had written as part of managing my personal finances. They asked my employee about these checks. 

My employee contacted me to ask about the checks before I was aware that Eagle Bank had shared 6 check images from my personal account. This was embarrassing for me and my employee. 

I should expect Eagle Bank to protect the privacy of my personal financial information. They should have in place sufficiently strong procedures to ensure that one of their employees does not share personal financial information incorrectly in a situation such as mine. 

I contacted the Eagle Bank employee to tell her of their error. I spoke to someone that identified themselves as a branch manager, though I do not know that person. She apologized and said she would write to me with a more formal explanation of what had happened. That person has not written to me. 

I contacted my relationship manager at Eagle Bank letting him know that my personal financial privacy had been breached by one of their employees. I asked him what would be the best way forward. He has not responded. 

The protection of personal data and personal financial information is extremely important. These should be core competencies of a bank. Eagle Bank has failed to fulfil these requirements and is not prepared to discuss the significant mistakes it has made in my case.
Consumer complaint received 2021-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent a 609 letter and it has been 30 days since the company responded. They have not showed me proof that 2 XXXX accounts that are closed/in collections are mine.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

... ... select portfolio refuses to do a loan modification with me. i have a XXXX child and want to stay in my house. i am a XXXX year old widowed mother. i called them and told them this. this is what they do. they offer me a one year balloon payment and offer me double my regular mortgage payments. What is this company? Bookies? how in XXXX ' name can i do this? they refuse to extend my mortgage to 40 years. because their investors dont want to when every other bank out there will do that. i submit loan mods for a living. 

i am heartbroken and suffered from the crisis of XX/XX/XXXX in the financial industry. and have a child who was XXXX to XXXX and i had no health insurance and had to pay out of pocket to help her. i have a good job now and want to pay and live in my home. they just want to kick me to the street and i will have to live in my car.
Consumer complaint received 2023-02-01
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2022-04-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022, I went to the Wells Fargo bank and also called them to pay my delay in the payment of the vehicle and they denied me to make any payment that only accepted the full payment of the loan or a 4-month plan to pay the total of the loan and that is practically impossible for me I had financial problems due to stress because my children were infected with XXXX XXXXXXXX and missed work and then I got sick with stress and I had to pause for my work already now I got a very good job that already in 2 weeks I start and the payment will no longer be a problem I totally agree to pay what should be delayed in the monthly payments and catch up but they do not want to accept I hope and they can help me since if I lose the vehicle it becomes more difficult for me to go to work thank you