davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I opened the account online on XX/XX/XXXX with an online bank transfer of XXXX . I received a XXXX deposit of {$800.00} on XX/XX/XXXX, and an ACH deposit of {$1400.00} on XX/XX/XXXX. I paid a credit card and sent money to my XXXX account at which point a hold was put on the account. On XX/XX/XXXX I tried to verify over the phone to clear the transfer, but was told I couldnt be verified. So I told them I would go to a branch, which I did on XX/XX/XXXX with multiple forms of ID, including a passport card, Drivers License, and credit cards. I went to the XXXX, FL branch and saw XXXX, he said he couldnt help me and the bank wasnt giving him any information and then let me talk to the person on the phone, who then said they could verify me through my Citibank App. I went in once again on XX/XX/XXXX and saw XXXX for the first time with my the same IDs and my Citibank card and the pin code. He told me there was no money in the account, and as of XX/XX/XXXX all of the funds were withdrawn from the account. He said he couldnt help me though, the account was still under back office review. I then left and called the fraud department, and they said that they were terminating our banking relationship so I expected to receive a check in the mail. I then received a letter telling me my account was being closed for identity theft on Monday XX/XX/XXXX. I called and eventually, after being told to call many different departments, was sent to the incident reporting unit, where I talked with XXXX. She said if I was to go into the branch just one more time they would be able to modify the account. I went to the branch that Friday, XX/XX/XXXX, with my IDs and my Citibank card and saw XXXX again at XXXX  instruction. XXXX called the incident reporting unit, asking to disburse the funds or turn the account on and was told I needed to send an email concerning the account details, which I did immediately. I was told to call in 1-2 days, which I did on Monday XX/XX/XXXX. I did not receive any responses from them. I called and was told I needed to fill out an identity theft affidavit, which they were sending. They didnt send immediately, so I called and they said the request was in. They didnt send it for a week, so I called and they sent it within the hour on XX/XX/XXXX. I immediately filled it out and sent it back. I called back today and he said he couldnt find any bank communications or the emails I have sent to XXXX. Ive called them more times than I can remember, Ive visited them three times with my identification, and this has been going on since XX/XX/XXXX.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I took a look at my credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. the collection account from XXXX XXXX with account # XXXX and a balance of {$74.00}. The original creditor is XXXX XXXX XXXX, are not complete and accurate. This is not my account. 

They sent me investigation back and said everything is complete and accurate. I checked myaccount again and it's still not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2018-01-30
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)

Updated tradeline XXXX XXXX   Equifax XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC (FL)

XX/XX/2019, a personal check was mailed to Best Egg in the amount of {$4400.00} to close my account. I did the same with many others creditors and all accounts were closed but Best Egg. 
XX/XX/2019, after noticing the funds were not withdrawn from my bank account, I contacted Best Egg and was told by an employee the check was not yet received and that I will be charged a late fee of XXXX dollars every three days if they don't have their payment. Therefore I now owe them XXXX dollars because, " It's been 6 days since my due date. '' XX/XX/2019, I contacted Best Egg and was told they just check got the check and will post later in the day. 
XX/XX/2019, I contacted Best Egg and was told the check was received on XX/XX/2019, but was not sure why it was not posted, " We'll make sure it's posted. '' Today, XX/XX/2019 and the check is still not posted. 
This is an attempt to try and collect more funds through late payment fees. Their actions are unprofessional, deceptive and dishonest.
Consumer complaint received 2019-09-17
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 — Was not notified of investigation status or results
Company: ERC (LA)

On about XX/XX/2019, this supposed debt existed with a debt collector, named XXXX XXXX. I exercised my right, and questioned the validity of the debt. The creditor promptly deleted all files from all of my credit reports. On XX/XX/2019, I received the attached notice from Enhanced Recovery. The letter was dated on XX/XX/2019. I mailed Enhanced Recovery, the same day after receipt, via certified mail, questioning the validity of the debt. I explained to them that this " debt '' was sold to them by XXXX XXXX in my letter, that I have attached, because the debt could not be validated. According to the USPS, my letter questioning the validity of the debt was received by a representative from Enhanced Recovery on XX/XX/2019. I waited the 30 required days from the date of receipt for validation of the debt, and did not receive anything from Enhanced Recovery. I routinely receive updates on my credit reports, and this morning, XX/XX/2019, I received notification that Enhanced Recovery reported this supposed debt to the credit bureaus. I reviewed my report directly from Experian, and it shows that this " account '' was opened on XX/XX/2019, so Enhanced Recovery not only did not validate the debt with me after I requested them do so. They assumed this debt was " valid '' without providing me, the consumer, proper verification of the " debt ''. This adverse action committed by Enhanced Recovery has severely hurt my ability to obtain credit. I have been searching to obtain a home for my family, and this drop in my credit reports could potentially cost my family thousands of dollars. This action is malicious, and they have violated Fair Credit Reporting Act 611 ( a ) 1 ( A ), Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Fair Credit Reporting Act Section 617. I followed the law, by asking for proof of this debt they are reporting, and not only did they not provide it to me. Enhanced Recovery reported it adversely to the credit bureaus. Enhanced Recovery broke the law, and hurt my family.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

On XX/XX/XXXX an account was opened and I was approved for {$1000.00} credit limit. XX/XX/XXXX I demanded a cease and desist following a letter to verify who the original creditor is. Discover defaulted on both letters by failing to respond. I also sent an affidavit of truth, invoice with violations of my consumer rights and Discover also failed to respond to those in a timely manner. 15 U.S.C. 1681b ( 2 ) states consumer reporting agencies shall not report any information unless the consumer gives written consent to do so. I did not give consent to put anything negative or positive on my consumer report. They also violated me by designing a form knowing that it will be used to create false belief that a consumer owes a debt and that is a violation of 15 U.S.C. 1692j ( a ) and 15 U.S.C. 1692b ( 2 ). I am a consumer and the original creditor.
Consumer complaint received 2018-09-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth third bank has placed a hold on a certified check/cashiers check that has certified funds. I called them and was advised they can do nothing about the hold. this is a violation of Regulation CC for funds availability where certified funds checks should be available the next business day. I have also cashed/deposited this same exact check there before and it has cleared with no problems.
Consumer complaint received 2020-06-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Ive sent multiple disputes to the credit bureau via mail. I sent them all certified mail and I have return receipts. I have spent a lot of money just trying to communicate with them however they have not given me any help. I asked them for proof of verification and they havent responded to me at all. Its been well over 30 days and Im just trying to fix my credit so I can live a normal life. The accounts on my report are unverified.
Consumer complaint received 2020-05-02
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. (VA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that was on file of the various accounts. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.Under federal law, you have ( 30 ) days to complete your re-investigation. 

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were not verified. To date, I have not received a reply from you or any acknowledgment that an investigation has begun.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I settled a debt with XXXX cell phone company. The debt was paid in full and the account is still reported as unpaid on my credit report. 

I disputed the account on all three credit bureaus and provided proof that the account was paid in full, and the debt is still reported as unpaid. I have sent verification to XXXX and three credit reporting bureaus, but they have not investigated my dispute or acted upon it. 

Per 15 U.S.C. 1681i, the creditor has a duty to investigate my account, there was no investigation performed. The credit bureaus also did not correct the account when I provided proof the account was paid in full.
Consumer complaint received 2020-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (NY)

CHASE BANK COMMISSION SCAM. 

From XX/XX/2020 - XX/XX/2020 I have reached out to numerous CHASE BANK locations in XXXX to inquire about opening a business account. Due to COVID-19 I asked every single call, what are my options for opening a business account remotely? 

This is over a dozen phone calls all speaking with certified banking specialists. All of whom declared " You must be in person to open the account. '' This is a lie and an egregious tactic to obtain a commission. 

On my last call I pressed harder now knowing the truth that you can in fact open an account online. It was only after I called out the agent they finally admitted to this option. They then gave me an interesting warning : " You can try online, but you might find you have trouble completing the form so its easier to just come in to our branch. '' Low and behold, I have now tried ( XX/XX/2020 ) over 20+ times to complete the online application. Without fail my effort is terminated on the last page of the document every single time. 

There is no issue with my internet. I am very tech savvy. This is egregious business tactics by a major bank. 

Do to this commission scam I have been unable to collect on any payments for the last 90 days. I am concerned that money that is owed to me will not be available due to the current climate and I will now be struggling to chase down payments. 

These dirtbags need to be checked.Thank you.
Consumer complaint received 2019-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I wrote a letter to XXXX  XXXX on XX/XX/2019 disputing incorrect reporting about XXXX XXXX account. XXXX  then requested Proof of Address. I returned 2 forms of document showing proof of Address my driver license and a utility bill. 
On XX/XX/2019 XXXX mailed a letter Re : Proof of Address Unacceptable-Reason # 3 ( documents provided was not a qualifying document. I am requesting help to correct this matter because XXXX is trying to discourage me from disputing my credit report entries due to their mistake by not accepting my proof of Address. 
I also sent Equifax the same letter on XX/XX/2019 about incorrect information about my account but Equifax never responded and over 30 days have passed.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2021 : I went into Wells Fargo to make a wire transfer to another Wells Fargo account in the US for the amount of {$190000.00}. 

The other person verified that the money never arrived to his/her account. 
I have been contacting Wells Fargo ( both on the phone and inside the branch ) and the only resolution given to me was to wait. I have filed multiple complaints with Wells Fargo but they just bounce me around and keep putting me on hold. 

I have been waiting for 7 months and the money is still not back to my account. I have also tried getting from a lawyer but it did not bring any resolution. It is a large sum amount of money and it is causing a lot of trauma to the point where I feel depressed. This matter really disturbed my life and it is damaging my finances. 

I would really appreciate if CFPB can look into this matter and help me resolve with the bank.
Consumer complaint received 2020-04-20
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: BARCLAYS BANK DELAWARE (CA)

Barclays bank I had a refund of {$410.00} from a cancelled XXXX XXXX that went on my card and gave a credit balance. I need this money. I attempted to call in on XX/XX/20 was on hold over 1 hour. Finally sent email message that states they will respond in " 6 hours or less '' I have no response from that message. Nor the one I sent on XX/XX/20 or the one sent on XX/XX/20 which that day I also took a copy of my statement and wrote letter asking for them to please mail a check to me for the credit balance. Checked my account online today XX/XX/20 and there has been no adjustment. Also sent another email message today, XX/XX/20 With doubt that I will get any response. Thank you.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (PA)

On XXXX/19, I received call from my bank PNC from fraud department, that I have un suspicious transaction on my account. I go online, and saw that I have 2 same pending transaction on my account $ XXXX, I call to bank, they close my debit card, and issue provision credit back on my account. Yesterday I deposit check on my account, and a soon i open my information, I saw that from account debit again 2 same transaction $ XXXX on XXXX/19, from my old debit card, which was close on XXXX/19. I spend on a phone with PNC, over hours, trying to get back my money. I do not understand how they protect they customers if they aloud to take money to someone from close debit card. So after spending hours with PNC customer service representative, who hang up on me, after I spoke with supervisor XXXX who also put me on hold, and transfer me back to the line on hold, I did not get any resolve and I did not get my money back on my account.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Delete account : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX : # XXXX from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2019-08-23
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: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I called Citibank for fill disputes ( 10 ) ( 1 ) XXXX/19 {$1200.00} ( 2 ) XXXX/19 {$3300.00} ( 3 ) XXXX/19   {$3300.00} ( 4 ) XXXX19 {$4500.00} ( 5 ) XXXX/19 {$550.00} ( 6 ) XXXX/19 {$5000.00} ( 7 ) XXXX/19 {$2700.00} ( 8 ) XXXX/19 {$5000.00} ( 9 ) XXXX/19 {$3300.00} ( 10 ) XXXX/19 {$1600.00} totals : {$30000.00}
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

LoanCare , LLC, who acquired my mortgage servicing rights a number of months ago, has refused to credit additional monthly payments to principal, in spite of my repeated calls and instructions in writing via email. I have even called them in advance of submitting the payments, and have been told " my account will be noted to ensure proper crediting of the additional amounts paid. '' When you review the attached payment history, you can easily see the problem, and the fact that they have again made an error in crediting additional funds from the XX/XX/XXXX payment to future payments, instead of to principal.