davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

My Venmo account was closed for reasons unknown. When I reached out to the company for more information and to try to unfreeze my account they told me their decision was final and that they would be permanently deactivating my account. They citied improper account activity but did not explain any further. Ive had the account for years with no issues. I have no clue what was done wrong. If the account cant be reopened theres nothing I can do, but I can at least be given a reason for their action. Venmo should give warnings to their users prior to randomly shutting them out of their service. Its abrupt, weird, disruptive, and rude.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CA)

We put in {$50000.00} into a priority account to receive {$700.00} bonus. 
After the time was up to pay us Citi refused-they sent us the attached letter that they would review ( see attached ). We were finally paid the {$700.00} 2 months late in XX/XX/2021. 

We were very upset that Citi tried to cheat us an CLOSED OUR ACCOUNT immediately after XXXX ( see attached ) we were told to write a. check for the balance to close. 

We have received over 10 messages to call them about a problem with our account- we tried to call them over 10 times waiting as long as 3 hours to speak with someone who could not help us. 

We have been charged : money market account fees ( we do not have a money market account ) late fee 's and other fees, overdraft fees amounting to over {$160.00} for XXXX, XXXX, & XXXX after the account was closed. 

Fund balance was {$50000.00}. we closed the account writing a check to close the account for $ XXXXnow we owe according to them {$160.00}
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

I received a personalized email invitation to sign up for a checking account with Citibank and earn a {$200.00} bonus with qualifying activity ( depositing at least {$3000.00} in a certain timeframe ). I completed all the requirements to earn the bonus, which was supposed to be awarded within 90 days of completion. I opened the account in XXXX 2021 and it is XXXX 2021 and citi has not awarded me the bonus. After chatting with them online and spending an hour speaking with a representative who kept giving me contradictory and senseless information, they have failed to properly credit my account. This is a fraudulent, unfair, deceptive act designed to defraud customers. 

the email i received said : " when you open a Citi Checking Account and deposit {$3000.00} NewtoCitibank Funds within 30 days of account opening and maintain it for 60 days '' I would receive the {$200.00} Invitation code : XXXX
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (FL)

it has been over 30 days since I sent in my mail disputes to Equifax letter attached in the box below I have submitted a notarized Identity Theft affidavit to XXXX and they have not removed the inquires. They are in violation of the FCRA 609 ( a ) ( 1 ) ( A ) and countless other VIOLATIONS of the FCRA such as PERMISSIBLE PURPOSE. 

I am seeking financial damages as I was denied credit due to incorrect reporting on my account after I disputed Several times. 

I also called today 3 times and got disconnected. 

1st rep said they got my documents but it hasn't been processed. they will remove 2nd rep said the same thing. 
3 rep couldnt transfer me to the correct department even thought I have a receipt of faxed info and verification of that was said on a recorded line that I have submitted correct docs and has been processing. 

None of the unauthorized inquires have been removed.
Consumer complaint received 2021-11-19
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: PNC Bank N.A. (NC)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

I fell victim to an internet scam and was persuaded to transfer money from my checking account at Citizen 's bank to XXXX and from there to buy bitcoin and send it to a person pretending to be a professional miner. There were multiple transactions made and the amount totaled to over {$13000.00}. I filed three claims with Citizen 's based on the dates of the transactions. The first transaction was made on XXXX/XXXX/21 and the last was on XXXX/XXXX/21. I can attach the documents that show each of the transactions and the amounts if necessary. I was told that this scam is not covered under regulation XXXX and all of the claims were denied. I have a close friend that works for another bank and she is adamant that this scam is covered under regulation XXXX and that Citizen 's should be doing everything in their power to refund me the money. I was told that there is nothing they can do and am very upset and appreciate any guidance you can provide me with.
Consumer complaint received 2021-12-14
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. (PA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-15
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: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX and XX/XX/2020 {$69.00} each day I have attached the information regarding the situation. 

I have been fighting this for over a year and have provided proof of what they asked. They have yet to provide proof on their end, as they just keep sending a letter stating that the charge is valid. The charge had a different phone number, as they asked me to provide proof of my phone, which I did and they said they would take care of this fraudulent charge. This charge is fraudulent and I even paid to get it notarized that everything I am stating is true and the XXXX charges are fraudulent.
Consumer complaint received 2021-12-14
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-12-14
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I work in healthcare and I work XXXX hour shifts I got off of work at XXXX that evening I got home and proceeded to pay my credit card bills so I went to make my payment and I was getting the prompt that my bill will be overdue because its going to be now processed on the XXXX. Although I am paying it at XXXX XXXX  central time. I proceed to process my payments and then I called in to the company and I talked to a representative. The representative tells me that they dont show any fees but that does not mean that they wont show up tomorrow and to call back tomorrow to get them removed. The representative told me she put a note on my account. ( called back tonight and they say they dont see a note ) I called back this evening after I got off another XXXX hour shift and I am told that my fees can not be waived because they did one prior in XXXX. I proceed to let them know that is not right that I processed a payment on the XXXX which was my due date and because of their rules that it being made after XXXX PM Eastern time which means a XXXX XXXX XXXX for anybody that makes payments after those times are going to be assessed late fees which I feel is wrong in so many ways. They see that I processed my payment on the XXXX so why they would do this to customers and not make it right is beyond me. I have other credit cards that dont have times in place to where a customer will be penalized. I have XXXX credit card accounts and they both are due the same day for capital one. So I have XXXX late fee amount that have been put on my account.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dating back to XXXX 5,2021 after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all XXXX of the major Credit Bureaus XXXX XXXX, XXXX, Experian ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( XXXX, XXXX, Experian ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA XXXX XXXX it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

THESE XXXX COLLECTIONS DID NOT PROVIDE THE BALANCE THEY SAY I OWE WITH PROOF OF PAYMENTS UP TO THAT BALANCE DATE, DID NOT EXPLAIN AND SHOW ME HOW THEY CALCULATE DWHAT THEY SAY I OWE. THEY HAVENT PROVED THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THAT ACCOUNT AND PROVIDED ME WITH THEIR LISENCE XXXX XXXX REGISTERED AGENT SERVICE.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (NC)

I recently obtained a copy of my consumer report and noticed fraudulent charges. I am a victim of identity theft and did not make these changes. According to the FCPA pursuant to 15 USC 1692 a ( e ) the term " debt '' means obligation or alleged, Please investigate this matter with a written explanation which I didn't get. According to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to obtain personal interviews with my friends neighbors or associates which I didn't get as well.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : XXXX. ) Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft SXXXX Date of inquiry : XX/XX/2021 This is not mine.
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (HI)

I have been trying to get a house loan for about 4 years, but this collection account keeps showing, I have done all the steps necessary to pay back this debt, to the original creditor as well as the collection office, at this moment I'm requesting this collection to be deleted because of the fallowing reasons. 

I have made multiple attempts to pay it I have received no return phone call from them and the phone # s listed by Citibank and the XXXX for them hang up before anyone answers.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (NC)

I recently obtained a copy of my consumer report and noticed fraudulent charges. I am a victim of identity theft and did not make these changes. According to the FCPA pursuant to 15 USC 1692 a ( e ) the term " debt '' means obligation or alleged, Please investigate this matter with a written explanation which I didn't get. According to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to obtain personal interviews with my friends neighbors or associates which I didn't get as well.
Consumer complaint received 2021-12-15
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)

I have sent several correspondence to the Credit reporting agencies and they have failed to respond to my request for an investigation. Also XXXX stated that they verified my information but have failed to respond to my request for a XXXX of XXXX letter.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (GA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-12-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (MI)

I have setup Autopay with VW Credit since the beginning of my loan in XX/XX/2021. Starting XX/XX/2021, I began having issues with them taking the money out of my account and was never notified. I continued to make my payments on time. In XXXX I made a payment for the XXXX payment multiple times as well as a {$1300.00} payment in XXXX to cover the XXXX payment that VW Credit kept giving me issues with. For some reason they are reporting a late on my credit for XXXX now. I have no idea why or how this is possible. I have had such a hard time with VW Credit that I turned my lease in early due to how unprofessional they have been. They do not take all measures to contact clients if they have issues collecting payments. They do not call, e-mail and send letters which they legally must do when trying to collect payments. When I called and asked they how come they do not call clients, their responses is that they only send letters or e-mails through the portal which always come in late. They sent me a notice for XXXX 's payment on XX/XX/XXXX which was not within legal reasonable time for me to make a payment since XX/XX/XXXX was a short week due to XXXX. I also did not receive the letter from XXXX until XX/XX/XXXX. Also, the payment was due XX/XX/XXXX ( for XXXX to be considered " late '' ) which is a National and BANK Holiday which means it would not have been processed on the XXXX of XXXX. I ended up getting this disputed off the report after many complaints and e-mails to VW. Now, I am getting a XXXX late payment which is not true. I made a {$1300.00} payment on XX/XX/XXXX and it was pulled from my bank on XX/XX/XXXX. This means that I made my XXXX payment. I turned in my lease on XX/XX/XXXX and today is XX/XX/XXXX, which means I can not have a late payment in XXXX since it was made and we are not 30 days past XX/XX/XXXX. This bank has been XXXX to work with and the reason I terminated my lease with them after 6 terrible months. Now my credit reports are showing a late for XXXX and they are not repsonding to my calls.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion has been reporting income on my consumer report for the last XXXX  months. It has damaged my ability to obtain a home. A charged off account is income and violates 15 usc 1681a ( 2 ) ( A ) ( I ) of the fair credit reporting act. Income must be excluded from my consumer report. I am requesting a 1099C form for proof of charged off account. Your credit reporting agency has spoiled my reputation and my ability to obtain a loan for a home by reporting a billing error on my consumer report. I do not agree.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021, I went to Bank of America and made a lump payment on my credit card. I had just closed on a property and was using the proceeds from the sale. On XX/XX/XXXX, I tried using my credit cards, and they were declining. I went to 2 Bank of America 's ( XXXX XXXX XXXX XXXX XXXX, Texas ), both bank managers could not help me to tell me why my accounts were closed. They only could say I was a " risk '', and bank of america has the right to close my account. They said a letter was mailed to me on XXXX the XXXX, the is the same day they closed my accounts. I didn't receive the letter till XX/XX/2021. I've called them numerous times because I had accumulated over {$860.00} dollars in points, because they closed my account without notifying me so that I can transfer my points towards my balance, they foretify my money. The last letter I received I was told it was because of my XXXX credit rating. I told them that could not be true, I had visited the bank in XXXX XXXX Texas 2 weeks prior and applied for a vehicle loan, which I did qualify for {$32000.00}. I just told Bank of America, today, when someone credits me with my cash points, which I legally earned, I will be paying the remainder of my credit card. Now bank of America has debt collectors calling me.
Consumer complaint received 2021-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted XXXX andTransunion on XX/XX/XXXX once again to uploan the supporting document to show that this bankruptcy was not verified though XXXX XXXX or the Courts. I have also mail these document three times in the past, the most recent was XX/XX/XXXX. I received no response from Transunion, or XXXX. I would like them to remove this bankruptcy off of my credit report immediately.. Please review my supporting documents in which I have uploan on XX/XX/XXXX. As you can clearly see my document state that they do not report to credit bureaus or any credit reporting agencys. XXXX XXXX has removed this item as of XX/XX/XXXX.