davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
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. (KS)

XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I went onto the XXXX site to request all 3 of my reports. As it states on the site, we are allowed access every 7 days to the reports from all 3 bureaus. I tied multiple times to access my Transunion report and continually received an error. I was given the Transunion number to call. I called and was put on hold for 20+ minutes before finally getting to someone. The call was disconnected after the first question. I called back again and was on hold for another 20+ minutes. After she verified who I was, I explained to her that I was directed to call her regarding the error. After much discussion, she blamed the website and told me I had to contact them. Then she stated they only provided reports to people who were " subscribers '' and paid for the reports. I explained again that they are required by law to provide a copy of the report when it is requested due to adverse action, etc. but she would not help. I referenced and read directly to her my rights under the FCRA. She was extremely rude and still refused and continued to try to talk over me so I requested a supervisor. A Supervisor named XXXX got on the phone and told me that their computer showed I had accessed my report successfully today ( which is not true ) and that they could not do anything unless I paid for the report. I again went through the FCRA and let him know I was directed to him from the website and that they were required to provide a copy of the report due to adverse action. He again refused and I let him know that I either needed to get the report or I would file a complaint. He refused so I hung up and am filing. I still have no copy of my Transunion report.
Consumer complaint received 2020-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Prosper Marketplace, Inc. (NJ)

I applied for Covid-19 assistance with Prosper. They accepted my application and let me defer my payments for 3 months. 
Their representative turned off my auto-pay so the payment wouldn't be automatically withdrawn from my banking account. I understood the terms of the deferment and accepted them. 
1 week after the first deferred payment I recieved a call from their collections department telling me I was past due. 
Then I explained that they deferred my loan payments due to Covid-19 and they told me they would investigate and follow up with an  email. 
Today I recieved an email stating that I'm not eligible for covid assistance. ( 1 month after they told me I qualified for it ). 
I called up this evening to speak to a representative to figure out what was going on and they told my that Prosper no longer is offering Covid-19 assistance. Meanwhile at the top of their website and emails it shows they are offering help for people affected by it.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. 
Check that you wish to publish it
Consumer complaint received 2020-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX XXXX {$38.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$82.00} XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$120.00} XXXX XXXX   XXXX {$9700.00} XXXX XXXX  XXXX {$7600.00}
Consumer complaint received 2020-05-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America had and offer on my app to open a business account and receive $ XXXX.I first went into a branch location and tried to open the account but was told I had to go through my app and open the account online. I opened the business account in XXXX of XXXX for XXXX XXXX XXXX XXXX. There were stipulations for getting the bonus : deposit {$3000.00} in 90 days and make XXXX electronic transactions which I fulfilled well before the expiration date. When I had not received the money by XXXX of XXXX I called and was asked to wait until XXXX which would be 90 days passed the date of my fulfillment. I called in XX/XX/XXXX and spoke to XXXX XXXX who escalated my case and gave me the reference number XXXX. 
Still no bonus money. I called again on XX/XX/XXXX XXXX XXXX  and spoke with XXXX who advised me to wait yet again 90 days past the escalated date of XXXX. I called again on XX/XX/XXXX at XXXX pm and was told a supervisor would call me by XXXX XXXX  the following day. I did not receive a call. I called the XX/XX/XXXX ath XXXX and requested a supervisor, I spoke with XXXX who advised that BOA was having trouble finding the promo code for the offer and said she would call me back. Still no phone call. I did everything correct to receive the bonus and believe I am entitled to it.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I've had a hard time getting a job since moving grom XXXX to XXXX and fell behind in my credit card account and home internet service. I started a job on XX/XX/20 XXXX an XXXX XXXX XXXX. When faced with a possible account closure I took an advance and made a payment of {$300.00} when the minimum payment allowed was {$250.00} on XX/XX/20. On XX/XX/20 I paid the remaining balance, {$1100.00} and now I can not use the card because they placed a hold on my payment and told me to wait until the hold was cleared. This is Capital One, when I call, they make me wait on hold and eventually hang up on me. When I talked to them they said they need verification for the last payment, I already have that in an email but they won't even update my account to reflect the last payment.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (TX)

Application # XXXX I was on the XXXX website on or about XX/XX/2020, and was about to purchase a new computer. During the checkout process, an offer was presented to me for a Barclays credit card to finance the purchase of my new computer with 18 months of no interest on a Barclays credit card. Knowing that my credit score is XXXX, and with a desire to utilize the deferred " no interest '' period, I applied. Shortly thereafter, I got an email that said to call a certain Barclays Security number. I called that Barclays phone number, and the rep informed me that my application was on " hold '' because additional information was needed. The Rep instructed me to send a copy of the front and back of my driver 's license, social security card and a copy of a utility bill. I immediately complied and sent the required items via " snail-mail ''. I am trying to find out if I have been approved or if there is additional information needed. I have called XXXX and have been on hold for 61 ( still on hold as I type this complaint ) minutes, which is ABSOLUTELY ridiculous. So, I am contacting you to ask -- what is the status of my application? Doesn't Barclays have to provide me with some sort of status? All I have received is a couple of generic form letters -- and I have no idea if the documents I sent and Barclays letters to me have just crossed in the mail and I am approved and the card is coming -- or if I have been declined and I awaiting a card that is not coming. Also, why the heck am I having to jump through all of these ID hoops when I have had a Barclays savings account for many years? Barclays already know who I am and I have an outstanding account history with Barclays with my savings account with them. UPDATE -- So while I was on hold on one call trying to get through to Barclays, I called XXXX, at XXXX central time, on XX/XX/2020. The lady I spoke to looked up my application and said that the utility bill, XXXX XXXX, which is my ground telephone service provider is not acceptable. I will note that one of the " form letters '' that I received from Barclays after I placed my application reads, " Your drier 's License/State ID, Social Security Card, and current original utility bill or bank statement with your name and address on it. '' Well, XXXX XXXX is my telephone utility company. The lady I spoke with on the XXXX XXXX  call said that Barclays does not accept telephone bills for identification purposes -- which is misleading since their form letter reads " utility bill ''. Additionally, I have an savings account at Barclays bank, so they can look at one of my bank statements any time. This feels like unfair/deceptive trade practices in my humble opinion. Application # XXXX
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NY)

I received an email this morning stating my direct deposit was rejected. Attempted to access my account and was not able to do so but via the app. Called the number on back of card and was told account is permanently suspended. Tried to speak with an agent was not able to do so, call just disconnected once I was told account is permanently suspended. Received a second email stating account was suspended due to terms that were violated in consumer user agreement but does not state the violation nor does it give any further details. I have funds in the account as well as pending transactions totaling an estimated amount of {$520.00}. I had 4 direct deposits rejected this morning each amount for {$600.00}. The section the reference states it would not close account with funds available but they did just that. Im not sure how to retrieve my funds or who to speak with. I just want all funds returned immediately.
Consumer complaint received 2020-05-19
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT FILE AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. THE ACCOUNTS THAT I AM DISPUTING MUST ALL BE FRAUD RELATED. I TRY MY BEST TO KEEP THIS TYPE OF THING FROM HAPPENING TO ME BY BEING EXTRA CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS CAUSED A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizens bank is demanding a balloon payment after three months forbearance ; those of us who own XXXX   XXXX certainly haven't had normal revenue these three months. Asked to merely tack on three months to loan duration in order to stay current ; bank offers nothing but a balloon payment. 

Customer service just tells you " that's all the bank is offering '' My mortgage is {$3600.00} mth ; in forbearance currently since XX/XX/XXXX
Consumer complaint received 2020-05-20
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 (PA)

This is not a duplicate. 

This is about a different lie that Capital One has said. 

CFPB, please do not close this case until both parties agree that the issue has been resolved. 

My complaint is that Capital One is lying yet again, as evidenced by their two letters which contradict each other. 

Capital One 's letter dated XX/XX/XXXX states that " Our records indicate that you were able to reset your password on XX/XX/XXXX, and you successfully accessed your account on XX/XX/XXXX. '' Yet Capital One 's letter dated XX/XX/XXXX states that " It appears that the account ending in XXXX is not enrolled for you to have online access '' and " We have confirmed that the system issue that prevented you from logging in on XX/XX/XXXX, has been corrected. " This is two conflicting statements in a single letter - first they state that the problem is that my card is not enrolled in online access, then they state that the problem is a system issue. And the 'system issue ' has NOT been solved, as I am still unable to log in and get the same screen when I try. 

I am asking the CFPB not to close a case until both parties issue that the issue has been resolved.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (TX)

I applied for a mortgage refinance with Better.com under a promotion that was on my XXXX XXXX user dashboard upon logging in at XXXX XXXX. It promised a {$2500.00} statement credit to my XXXX XXXX card upon closing and funding a mortgage refinance with Better.com. I successfully closed my refinance with Better.com. Throughout the refinance process Better.com continuously sent me emails reminding me I was an XXXX customer who was applying under the offer. At the end of the process, Better.com asked for my XXXX XXXX card information and assured me my statement credit was on its way. After more than 12 weeks after XXXX XXXX, no statement credit has appeared despite reassurances from Better.com that the credit is on its way. Communication is poor and the companies are deflecting blame back and forth. I met all the terms for the promotion, as confirmed by Better.com. I want the {$2500.00} statement credit I was promised by both Better.com and XXXX XXXX, posted to my XXXX XXXX credit card ending in XXXX.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (FL)

I got my Skylight One Bank though my first job that how my employer paid my paycheck. 
I received temporary card and no incorrect charge was posted. When I received my permanent card with my name on card that month I notice incorrect charges and they were all from the state of California XXXX ride XXXX XXXX. I live in XXXX Florida over 3000 miles away one day I was paying for XXXX  XXXX in XXXX Florida a XXXX  ride in California was get charge to my card at the same time and the bank did nothing. Give notice of FRAUD to my Skylight One Bank Card they said they would investigate problem then received letter claim was closed. Then I received a new Skylight One Bank card I call they told me it was mail to me because of Data breach. Since then I have received 3 cards with same issues and they never can tell when and what they did to investigate these issue to give me back my money. Skylight One Bank when calling them about this issue you get put on hold for 27-30 minutes. Skylight One claim they will send you a itemize statement that never arrive. Then you start have problem login in account to get the basic information. Next Skylight One know you only speak English they transfer to customer service that don't speak English which make you start the process all over again.
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX around XXXX XXXX an ad was posted on XXXX for a switch bundle for {$210.00} under the account name XXXX XXXX. My daughter showed interest in the product and they asked if she could pay through Paypal family and friends to " not get charged the extra fees ''. Then about an hour or two after she had paid for the item the same images under the same account were posted with a similar but slightly different description and by the next day the user profile was deleted from XXXX. She is now aware that XXXX has no responsibility for this since the payment was not submitted through the app and pay pal is not recommended when buying off XXXX. She has reported a dispute through Paypal. The payment was a split between {$140.00} of PayPal Cash Plus balance and {$69.00} from a XXXX XXXX visa. I called XXXX  XXXX to file a claim on a fraudulent transaction.
Consumer complaint received 2020-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (GA)

upon looking at my credit report during quarantine i discovered that a debt was assumed fraudulently with my information and then charged off on to my consumer credit report which is effecting me adversely. I was not contacted or given any indication of this debt as this is not mine. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-27
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX