davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Deutsche Bank (NJ)

Dear WSFS, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXXXXXX XXXX XXXX XXXX  loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX. 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2020-11-30
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. (NC)

I finance a car through XXXX XXXX XXXX since 2016 ). A few months ago, it came to my attention that they had reported several late payments to the Credit Reporting Agencies, which I believe are in error. I have contacted XXXX XXXX, as well as the CRAs several times to no avail. This erroneous reporting has had a severe negative impact on me, as I have been recently denied credit, including a mortgage. I have proof of payments that were made for the months in question, as well as extension agreements where XXXX XXXX agreed to allow me to skip monthly payments. XXXX XXXX and the CRAs are violating the Fair Credit Reporting Act that states only true and accurate information can be reported, or else MUST be removed. At the very least, there is proof that XXXX XXXX has not reported my payments accurately. They have reported me as 30, 60, even 90 days past due inaccurately! I have made several requests to them to fix their error, even attempting to email the CEO personally. I'd like the inaccuracies removed immediately. The inaccurate information violates both the FCRA and the extension agreement granted to me.
Consumer complaint received 2024-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/year>, I redeemed XXXX fun points on XXXX account for a {$100.00} XXXX I received the card but it is invalid and will not activate. I have made many attempts to activate it including calling the number on the card and going to the website. I was unable to use the card when I wanted to because of all these issues. In addition I spoke with a XXXX representative who did not help me activate the card. I opened a case XXXX with my creditcard company XXXX who redeemed my points and issued this card. Then on XX/XX/XXXX, they closed the case after 7 days without doing anything to solve or notifying me in the message system or email. There were numerous false statements made that I can prove are false regarding that case. I reopened another case XXXX on XX/XX/XXXX and gave them ALL the information they asked for. On XX/XX/XXXX I asked again for status on XXXX and I was met with a response asking AGAIN for information that was already sent and is clearly visible on the same message thread. I insisted they they either make the sent to me card good or refund my points. To date as of XX/XX/XXXX this is unresolved. I went to public site where to look up BarclaycardUS complaints there and there are many various complaints. after reading many of the complaints It looks to me that their systems and policies are designed to cheat people out of their rewards and then make it very difficult for them to do any remediation. There needs to be anti fraud enforcement for this kind of thing and I would like to volunteer my time going forward to assist in any actions taken. i will also be posting a complaint on the FTC site tomorrow and mainstream media outlets the next day.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

No action take as of yet! Fees taken out of account for no reason. XXXX was missing XX/XX/2020 not recovered. XX/XX/2020 charged for fees 4 times. XXXX in fees making the account go negative.
Consumer complaint received 2023-08-08
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. (GA)

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.

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 2023-08-08
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. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-11-19
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. (AR)

Ive spent over XXXX on credit services to get this account removed. I filed a XXXX report and I cant get it removed. There is a ally finical thats reporting to XXXX and Ive disputed it so many times. Spoke with XXXX and no change. This is not my account and I would like this blocked and removed.spoke with manager XXXX no change and XXXX. Please help!
Consumer complaint received 2021-10-14
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: CITIBANK, N.A. (MI)

My drivers license was lost in XXXX I got a new one then someone stole my wallet with id and credit card and used it in XXXX... I have notice that there are inquires on my account which leaves me to believe they are trying to use my identity..
Consumer complaint received 2023-06-13
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: Self Financial Inc. (TX)

This issue started around XXXX or XXXX XXXX XXXX I have called Self several times and disputed these charges. Instead of protecting the consumer SELF held me responsible for the charges. This has been an ongoing issues even after me replacing my card 5 times. I have called the merchant directly and being that the charges was not made from my account they could not locate the charges. I even asked if they could search the last 4 digits of my card and find the person who charged the card ( something that should have been done by SELF during the dispute process ). No one has been able to help me so I got a new card and never activated it. I got my new card in XXXX which was the last fraudulent charge. I literally activated my card on or around XX/XX/XXXX. Today is XX/XX/XXXX and my card has had another fraudulent charge. I have come to the conclusion that SELF is not protecting the consumers. Even after numerous calls and emails and me having to replace my card, SELF has not put any security in place to stop this merchant from continuously charging my card. At this point this is a security risk and until SELF put better security measures in place to protect consumers they should be held responsible for consumers having to go through being exposed to fraud. If my card information can keep getting hacked then SELF isn't protecting my personal information as well. If a financial institution can't protect the consumers then the service should not be able to operate. Per the phone call I had with the rep from SELF today even if the charges are fraud the merchant doesn't have to pay it back, which is what happened to me on the previous charges. If my account and personal information cant be protected by SELF and the will not update their security measures, I will seek further action. It is not okay for a company to expose consumers to fraud or possible identity theft. I am not the only person going through this with self and I would hate to have to be apart of a class action suit but something needs to be done ASAP! I have also attached a photo of SELF so called disputing the charge but turned right around and took the funds back, leaving me liable for another unauthorized purchases!
Consumer complaint received 2021-09-09
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. (TX)

Notice to all, I am that I am, a citizen of XXXX, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX XX/XX/2021. I am the natural person not a third party. I did make this FTC report. I the consumer XXXX, XXXX did not receive goods and services so this FTC and identity block ism valid. You dont have any rights to deny my block of these alleged account an If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. If you have proof that I received services please have a senior executive certified of the penalty of perjury that a fact that I received goods or services from this transaction.
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CT)

I visited the Amex credit card page looking to upgrade my card to something better that I could receive XXXX XXXX points faster than I was. My old card had no annual fee where as the Ascend card I was interested in was $ XXXX/year. They were offering XXXX points for new members but in the fine print of the offer it stated that as a existing member I would not receive that much but to call Amex customer service and see what I could get. During the verbal conversation with the Amex rep she stated that if I upgraded I would receive XXXX   points instead after I spent {$3000.00}. I thought it was a good enough deal between the points and other XXXX XXXX upgrades. After a few months no points were credited and I started a complaint with Amex. I spoke to a few different reps over many phone calls when I heard nothing from them. One rep named XXXX said she could she on her screen where the mistake was and as soon as her supervisor returned she would call my cell phone and confirm my points. Of course this never happened and Amex denied my claim. I have been a loyal Amex fan for thirteen years and now that I have been the victim of a " bait and switch '' sales tactic by them I question if I will remain a customer. I have filed a complaint with the XXXX  which I'm awaiting to hear from. All I want is the XXXX  points I was promised and that's it. I hope you have better luck dealing with Amex than I did and for a company who raves about their customer service I'm totally not impressed. Thank you.
Consumer complaint received 2023-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (SC)

Federal Law Violated I was targeted by OneMain due to being low income, XXXX and XXXX XXXX People in certain zip codes. Were targeted by this company by their own admission and no one is willing to bring these people to justice There are federal laws designed to protect borrowers, like the Equal Credit Opportunity Act ( ECOA ). The ECOA makes it illegal for lenders to impose higher interest rates or fees based on a persons race, color, religion, sex, age, marital status or national origin.
Consumer complaint received 2019-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 Payment was made to XXXX XXXX in the amount of XXXX for a concrete counter top. Services were not rendered and Im stuck with a incomplete kitchen county and leaking sink. I called Chase to dispute the payment for not completing the service requested and Chase is saying they cant help me. If they cant help me why are they offering a the quick pay service. I made a significant note of who it was for which was XXXX XXXX XXXX, XXXX. Im in the process of having lawsuit filed against them. However I would like my money back so I can hire a company that will complete the job.
Consumer complaint received 2023-06-13
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. (GA)

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 XXXX Account XXXX Account name : AZ XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or 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.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I have pictures of property at XXXX XXXX XXXX XXXX New York XXXX At the time I was in contract the building had a fire I made an agreement with the buyer that I will get the proceeds from the claim. 
See below the notice I sent for my mortgage company PHH mortgage with all the documents they are just ignoring my emails and calls no one to talk to. 

Please help me out Re : XXXX XXXX. XXXX, Account of XXXX XXXX ; XXXX Claim No XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX purchased XXXX XXXX XXXX, XXXX, New York on XX/XX/2023 from the heirs of XXXX XXXX. The heirs are XXXX XXXX and XXXX XXXX XXXX XXXX Attached is the recorded deed and satisfaction of mortgage. 

Prior to the closing, XXXX issued a check on or about XX/XX/2023 in the amount of {$81000.00} payable to " PHH Mortgage Services For the account of XXXX XXXX. '' Attached is a letter from XXXX to XXXX XXXX XXXX dated XX/XX/2023. 

The rights to receive insurance proceeds in the amount of {$81000.00} were assigned to XXXX XXXX XXXX per the attached written assignment dated XX/XX/2023, executed by XXXX XXXX XXXX and XXXX XXXX XXXX and countersigned by XXXX XXXX XXXX 

We understand that the check in the amount of {$81000.00} was forwarded by XXXX XXXX XXXX to PHH Mortgage Services, and yesterday, XXXX Claims Examiner XXXX XXXX, whose name appears on the XXXX letter dated XX/XX/2023, confirmed to my client that PHH had deposited the check. 

XXXX XXXX XXXX is requesting PHH Mortgage Services to turnover the insurance claim proceeds in the amount of {$81000.00}. 

XXXX XXXX XXXX 's address is XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, New York XXXX Please let me know if additional information is needed. 

Thank you for your attention to this matter.
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

On XX/XX/2016, this debt for {$410.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 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 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 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 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 2019-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens Bank offered a promotion to open a checking account. I received this promotion via e-mail, clicked on the link and opened the account. I met the requirements from a timing standpoint and started direct deposit. The {$400.00} bonus was to be paid within 90 days.

I opened my account on XX/XX/2018 and my first direct deposit for {$1000.00} was made on XX/XX/2018. The program requirements were to open the account between XX/XX/2018 and XX/XX/2018. There were no requirements as to the timing of the first direct deposit, only that it be at least {$1000.00} ( which it was ) and that the bonus would be paid within 90 days of the direct deposit.

At 90 days I called to check on the status of the deposit. After numerous attempts and a lot of time on hold and being misdirected by ineffective service representatives, they eventually told me that I was not going to receive the bonus as I must have clicked on the wrong link when opening the account and some identifier number did not get logged with my account.

This was after I spoke to a number of service representative who told me I had met all the qualifications and payment must have been overlooked by the sales department and it would be corrected.

I called Citizens Bank on XX/XX/XXXX, XXXX, XXXX  XXXX, XXXX and XXXX, before someone actually told me that they were not going to pay the bonus on XX/XX/XXXX.

I had called a few times before then, just to verify that I did not need to do anything further.

Banks should not be allowed to offer promotions and then ignore their promise. The promotion encouraged me to print a copy for my records which I did, but that did not matter to Citizens.

I've attached a copy of the offer from Citizens Bank which I received via e-mail. There is only one obvious link - " open account ''. They claimed I must have clicked the wrong link and therefore, the way I opened the account did not qualify me for the offer.