davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 1st Florida Lending CORP (FL)

I called and spoke with XXXX, he stated he was going to transfer me to a loan specialist. Prior to them completing their conversation, he joined the call and I heard the representative saying, " I'm not going to work with anyone name XXXX. '' Then they hung-up. I called back and spoke to XXXX and I told him I heard the conversation. It is extremely XXXX and unprofessional. Which he claimed I didn't hear anything and that I heard wrong then he hung up on me!
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In order to have a credit card from Capital One I made a security deposit of {$49.00}. On end of XX/XX/2019 I closed the account and according to Capital One I would receive my security deposit after 2 billing circles. So on begining of XXXX I was wondering where was my check and I called them on XX/XX/XXXX saying that I hadn't received the check and also I mentioned that I had move to a new address. They told me they would send a new check to my new address. On XX/XX/XXXX I contacted them again and I said that I hadn't received the check. They said they would issue a new check because the last one returned to them. I confirmed the new address with them and they had it right. I made a new contact on XX/XX/XXXX and I informed again that I hadn't received the check so they told me they would make a deposit direct to my banking account in untill 7 days. On XX/XX/XXXX I called them and I said I hadn't received any deposit on my banking account. They did not explain why the deposit wasn't made and they told me to wait more 10 days. I told them that I was tired of this and I would go after my rights in order to have money back. I made a complaint to Department of Banking and they returned on XX/XX/XXXX saying that forwarded my complaint to CFPB.
Consumer complaint received 2020-08-07
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. (TX)

RE : Requesting a Method of Validation Letter Dear Sir/Maam : I  recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX - This information reported by this agency doesnt match the data on the previous report and has this listed as a new debt as of XX/XX/2020 which is also illegal. 
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX   Acct # XXXX XXXX Acct # XXXX I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX ; XXXX XXXX Acct # XXXX XXXX XXXX   Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully,
Consumer complaint received 2019-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (FL)

My checking account was hacked after our bank info was stolen and this person conned the bank into crediting {$1000.00} in our account stating that he had deposited money via atm but it hadnt credited yet. So a provisional credit was given and before the bank could find the dispute to be false, this person transferred the money and XXXX it out of my account to a woman I do not know. I have been fighting PNC Bank since XX/XX/XXXX and they say I now owe them {$1000.00} and fees. I do not know how else to fight this.
Consumer complaint received 2019-12-21
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: CITIBANK, N.A. (CA)

So i paid off this account and after i paid if off, i notice that i received a bill the following month. This is when i noticed that i had paid off all of these charges that were never approved/authorized by me. It was the same company XXXX XXXX, XXXX XXXX, CA. I paid for a one time purchase for my daughter with this company. It was a charge of {$29.00}. A one time charge. After i paid this credit card off, i realized that i had paid off a total of like {$700.00}, of unauthorized charges by this same company, XXXX XXXX, in XXXX XXXX, CA. I called the credit card company, told them that i had never authorized all of these {$99.00} dollar charges to my account. I filled out all the paperwork that was sent over to me. Well this has been since XX/XX/2019. They closed that account, so vendor couldn't continue to charge me. They issued me a new credit card, but now decided to re-charge me for fee over again. At this point, i just want my refund. I was disputing the charges, but for them to charge me double why? This isn't fair to me the consumer. I already paid off these un authorized charges. I need a refund ASAP. IF i owed Citi, they would be pounding on my door. I'm so mentally exhausted over this issue. I have call maybe like thirty time. Every time, it's like an hour on the phone. Also their representative are so hard to understand, they don't speak clear enough English. I'm super tired of dealing with this issue, i need my money.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2019-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

I made a purchased from an independent seller who promotes their business using social media ; but uses the web handle of XXXX XXXX XXXX to sell their products. I made a purchase of two items, totaling to {$190.00} on the other XX/XX/XXXX day of XX/XX/2019. Previously on the website, production time was 11 days, so when i reached out to the company with my first attempt, on the XX/XX/XXXX asking for the status of order, I heard no response, but the selling was active on her social media accounts. I followed up a few days later to request cancellation of my order as it has yet to be sent out on the XX/XX/XXXX, and also have yet to hear a response. 
Following my application for a Merchant Dispute for this charge with TD bank, within the hour I was sent a confirmation that my order was shipped. However it has been 10 days, and the status of the shipment has yet to be updated ; the level was the only thing to be created.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$66.00} XXXX XXXX XXXX   XXXX {$690.00} XXXX  XXXX  XXXX {$50.00}
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MA)

I have a dispute with a negative, item on my account that has been paid, it was originally delinquent XX/XX/2007 and because of that it has been over 7 years and should be removed from my account, the creditor and or the reporting agencies keep changing the date of delinquency, I have an old credit report showing the info and a new XXXX showing that it keeps changing. I have filed disputes but all I get out of it is the date delinquency getting newer and will take longer to be removed. I have included the XXXX reports from equifax but I have had the same treatment from all XXXX agencies.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

I refinanced my mortgage in XX/XX/XXXX for 15 years with CitiFinancial Mortgage Co., Inc. The note had a Timely Payment Rewards XXXX which would drop my interest rate by 0.05 % if I completed with XXXX conditions. Good Payment History ( never being late ) and the $ XXXX. Loan Equity Builder where I sent in an additional {$100.00} every month which would result in my note being paid off in 8 years and 8 months, ( per Loan Equity Amortization ). This would result in my note being mature on XX/XX/XXXX. I have been watching the balance owed and noticed that there was more owed on the note than should be. This began several phone conversations with Citi and then I began corresponding in writing. When Citi applied the above mentioned Rewards XXXX, they changed the amount of monies that were being applied to the principle therefore extending the note by ten months. If you take the difference in the XXXX month of the note and apply that to the principle, then my note would have matured this past XX/XX/XXXX. Citi states that they did not apply monies incorrectly and they changed how the principle/interest is applied. I think this is a breach in our contract. I have several letters of conversation back and forth between Citi and myself, which I will attach.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

We were given a pre-paid VISA debit card with a face value of {$50.00}. This was sometime back. The card number was XXXX XXXX XXXX XXXX with a cvv of XXXX. The expiry date is XX/XX/XXXX. 

We tried to register/ use the card today ( XX/XX/XXXX ) online at XXXX. We could not as the system rejected the card as invalid. 

We called customer service XXXX XXXX. After great difficulty could reach a customer service representative. She informed us today that the card is invalid. We have not used the card at all. She informed that the card could be invalid either due to ( 1 ) expiry or ( 2 ) the deduction of monthly fees that will bring the card value down to invalidity. 

We also see a fine print on the back of the card that states " U.S.Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 months of inactivity except where prohibited by state law. .. '' We see this as unfair practice and request CFPB to intervene and address it. Just searching the internet shows the extent of losses suffered by common citizens due to this fine print.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

I have fraud alerts set up due to my credit being used by my former spouse XXXX XXXX and his new spouse XXXX XXXX XXXX My home phone, cell phone, email, Last name and Employer are inaccurate and this information what they are using to obtain signature loans in my name. 
I do not possess a bank account XXXX ending in XXXX with the account ending in XXXX. I have not applied for or given anyone else permission to use my former name and information to acquire
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A. (NY)

Good afternoon, I had a XXXX credit card account which I closed for bad customer service back in XXXX. In XX/XX/XXXXI started to receive calls from their Collections department that I owe money on the card. I was on the phone with different representatives from fraud department, security investigations, and disputed the charges that appeared on my card as I was not familiar with. Since then I am told that charges are either taken care off and are disputed or other times when I call Im told that I accepted the charges. I keep telling the representatives that I did not accept the charges and I want to have them disputed. Every time I call I ask for the representative name, id no. and department. Sometimes I get the name but the ID number I do n't. Sometimes I get disconnected. Other times I get a fake id no. 
Here are some of the times I called Citi and after long hours on the phone nobody helped me. 
1st call I registered with the Fraud Dept I spoke with XXXX XXXX On XX/XX/XXXX I also called them on XX/XX/XXXX & XX/XX/XXXX and was told fraud claims is handling the problem. No id or name was given. 


I also spoke on XX/XX/XXXX with XXXX from Collections. 
Dept XXXX Then got transferred to Fraud- XXXX XXXX - fraud Dept Id XXXX XXXX- XXXX ( who gave me a fake ID ) Told me to call onXX/XX/XXXX as will be taken care off. 

I called on XX/XX/XXXX spoke with Collections then fraud. 
ID no Fraud Department XXXX then XXXX XXXX ( fake name and id as onXX/XX/XXXX the representatives told me that id no does n't exist as the people that spoke to me she sees their ID numbers to be XXXX and XXXX. 

Collections called me after I told them to put me on their Do not call list, on XX/XX/XXXXSpoke with Id XXXX, XXXX who transferred me to XXXX after I requested a supervisor. 

XXXX 's info is Id XXXX and she 's with Collections Department. 
She told me she ca n't help me and she is not allowed to stay on the phone with me while I talk to Security Department/Fraud then transferred me to XXXX, ID XXXX XXXX said other department will help me and transferred me to Security Investigations department. 

XXXX Security investigations department Got transferred to XXXX who did n't want to provide her Id no.and hanged up the phone prior to finishing the conversation. 

I called back on XX/XX/XXXX at XXXX XXXX and spoke with XXXX ID XXXX who said he ca n't provide email or any other info and told me I will be called bac

k tomorrow. My almost perfect credit score is down over 120 points and t
his is affecting my tremendously.

Please help as I am not getting any help from CitiBank Thank you, XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

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 the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by 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 to the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXXXX/XX/XXXXXXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XX/XX/XXXXXXXX XXXX XXXX {$45000.00} Account XXXX Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXXXX/XX/XXXXXXXX XXXX, XXXX {$40000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off
Consumer complaint received 2019-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I purchased tickets today via a XXXX ad. I used XXXX with XXXX through my bank. I though Fraud Protection covered this service ( as XXXX does ) as it is directly through Chase Bank. When I called Chase to report the incident, they said I had no recourse. 

When the tickets were not delivered, the individual never responded and essentially ran away with {$310.00} of my money. It's crazy, my checking account isn't covered, but had I used a credit card it would be? Shouldn't our cash accounts ( such as checking and savings ) be protected the most? 

I am just sick over it. That was for a very special XXXX gift for my children and I don't have money to replace it.
Consumer complaint received 2019-12-21
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. (FL)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY REPORT.