davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CO)

Updated complaint : Citi 's response in pointing to terms and conditions is irrevocably incorrect. I took the necessary steps through multiple channels to locate my card number as it was indicated in the marketing materials. I called customer service three times and used the online chat at least three times to request information on how to locate the card number. In none of my outreach was a Citi representative able to provide any direction or guidance on how to access the card number. 
I am asking the CFPB to open an investigation against Citi on marketing practices as it appears they are either falsely advertising or they have not adequately trained their employees on how to handle these requests. 
I spent over 4 hours trying to get the card number after it was instantly approved and no Citi representative after at least 6 contact points was able to provide or guide to the information that the terms and conditions & marketing material suggest is available. 



Original complaint submitted : Citi violated UDAAP violation regarding sections 1031 and 1036 of the Dodd-Frank Act. I had researched the Citi credit cards and learned from the Citi Entertainment FAQs website ( https : //citientertainment.com/faq ) about certain benefits and features of Citi credit cards which included stating that applicants who apply online and are approved for the Citi Rewards+ card may also request instant access to their card 's temporary account details upon request. On XX/XX/year> I submitted a credit card application to Citi and received instant approval for a Citi Rewards+ card. I then learned certain aspects of the Citi credit card offerings and process are deceptive and misleading after I applied for the Citi Rewards+ card specifically to have the ability to purchase event presale tickets same day which upon closer examination, turned out to be false. Even one of the post-application Citi webpages indicated that I can request instant access to my cards temporary account details. The temporary card details were needed to purchase presale event tickets and I was unable to access any card detail through the Citi app, Citi website, Citi customer service chat, and Citi customer service phone team. The above website statement is false as none of the customer service agents were able to provide the temporary card details, even through multiple attempts to contact Citi, and I was advised that either this was not possible or I had to wait an additional XXXX hours which did not prove to be true. This has caused a major inconvenience and inability to purchase event tickets due to the inability to obtain the temporary card number which I met the criteria advertised on the Citi Entertainment FAQs and on the post-application Citi webpage for the Citi Rewards+ card.
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have a loan with credit acceptance back in XXXX I got approved for a car even though they knew I was going through identity theft and and so for that they send my payments for {$260.00} okay I'm on XXXX XXXX and at the time I did have a XXXX  XXXX XXXX XXXX well I lost my job due to identity theft and hacking and fraud because they said that probably the activity on my account so I lost a job well I called in credit acceptance right away and told him the situation that I'm just working off my XXXX now and I just have to so bad in the hacking that I can only afford {$160.00} a month they said no problem we can work with you. They're threatening me to take my car I have made payments to him off by XXXX XXXX  and it's like the payments disappeared and never went to credit acceptance I guess a hackers took it I made over {$500.00} in payments that are missing and this ain't right and now XXXX XXXX  XXXX XXXX  the same guy keeps answering the phone that's that's fraud and they're up in my bank account and there's so much activity on my account I want all my money back like now I'm not playing
Consumer complaint received 2024-06-26
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I have had an account with Chime for over 3 years. 

I initially opened it with {$200.00}, which was transferred from my then XXXX  XXXX XXXX account. I pulled up the Chime app this evening and noticed my account with Chime had been closed. 

I called Chime, the lady reopened my account and when I logged in my account was XXXX  out and had a XXXX balance. 
She explained to me that I needed to go to XXXX XXXX XXXX to locate my funds. After being on the phone with her for almost an hour she hung up on me while transferring me. I called back was on the line again for an extended period of time in which the jerk kicked me to someones voicemail. I called back again and got the run around, again getting hung up on. 

I called back a fourth time and demanded to speak to another supervisor. Please note the account that I initially used to set up the transfer with XXXX  XXXX XXXX has been closed and I never used it and solely use XXXX XXXX  for all of my banking needs. 

When I pulled up my XX/XX/year> statement from Chime, it shows an adjustment made on XX/XX/year> for {$200.00} and then my account was closed. The lady I was speaking to claims XXXX  XXXX XXXX took the money and they no longer have my money. Shes claiming XXXX  XXXX XXXX ( which that account is closed and no longer active ) did a forced adjustment and took the money. This is 100 % impossible and fraud on Chimes part. I am livid, what can be done? I am beyond furious, they are frauds, they are thieves and from what I am reading about Chime this is all too often the case. Chime has a history of stealing individuals monies and doing people dirty. 

Please advise if there is anything that we can do. I know its not a lot but its the principle, its fraud and stealing. 

Thank you in advance, I can be reached via email, Best regards, XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i sent a letter to XXXX and transunion on XXXX by usps certified mail # XXXX ; U.S.P.S. CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX ( TRANSUNION ) they received it on XXXX, but never sent me any documents, per 15 usc 1681b.i have also attached a copy of the inaccurate and incomplete account reporting on my credit report
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MS)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # DISCOVER BANK Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I had opened a XXXX XXXXXXXX XXXX  card. I believe my limit was XXXX or XXXX. Then ingot and increase i belive for XXXX. I really didn't care for the store anymore so I called in to have the card closed. Requested my last bill or balance. Time passed I forgot about it. Then I get an update on my credit report for Over the credit limit and balance i know i I had. I very seldom use the card so my balance was maybe XXXX or less. It's showing on my report for XXXX. I Contacted comenity bank and they didn't have it a law office did. Contacted law office and they seen where account info said requested to be closed per card holder but they didn't close it. So why should I have to pay for their mistake. They were not willing to correct the info even thought they saw it on the paper work. So why should I have to pay extra for their mistake? They were not willing to correct it. Now a different company has account.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not consent, authorize, nor benefit from the inquiry reporting on my consumer report. I DEMAND IMMEDIATE DELETION AND REMOVAL OF THE INQUIRY FROM MY CONSUMER REPORT!!! 

XXXX XXXX
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

We received a letter dated XX/XX/2019 on XX/XX/2019. The letter indicated we have been approved for a trial modification and the first payment is due XX/XX/2019. This trial modification was done unexpectedly because we had not made any request since XX/XX/XXXX. The response we received in XX/XX/XXXX from SPS stated there were no options or programs that could assist our financial situation. The lates modification did not provide us a 30 day time period for trying to make a payment. We contacted our relationship manager numerous times ; however, we never had the opportunity to speak with her/him. We always get a representative who states they have to send our request to the relationship manager. The letter we received clearly stated contact your relationship manager. On this past Monday, we spoke with a representative again requesting the trial modification be amended and allow us to start XX/XX/2019. The response again from the representative, I am not able to approve your request, but I will notate your account and send your request to the relationship manager. We received several calls from someone who we can not understand and the message left is vague. Who ever is calling is not the relationship manager. The name we were provided with on Monday, XX/XX/2019 was XXXX is our relationship manager, whom we yet to hear from. We have been seeking assistance from SPS almost 2 1/2 years, and the response is always there are no options or programs to meet your hardship request. We do not want to loose our home and we have continued to acquire assistance from SPS. We sent a letter to the owner of the property requesting them to donate the property to our XXXX nonprofit organization since this is our residence and ministry. However, no response received. Please provide us with assistance and help us to prevent foreclosure actions. 

Sincerely, XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Driveway Finance Corporation (MI)

XXXX XXXX XXXX Subject : Dispute Regarding Payables and Receivables Dear Driveway Finance, Subject : Dispute and Request for Full Accounting To Whom It May Concern, I am writing to dispute the recent billing statement I received from Driveway Finance. There seems to be discrepancies in the charges and I am requesting a full and detailed breakdown of all the transactions on my account. 

Upon reviewing my recent credit report there are several charges that I do not recognize or understand. I have been a loyal customer of Driveway Finance for several years and have always made timely payments. However, the recent charges on my account do not seem accurate based on my records. 

To help resolve this matter promptly and accurately, I kindly request that Driveway Finance provide me with a comprehensive breakdown of all charges on my account. This breakdown should include details such as date of transaction, description of the charge, amount billed, and any relevant supporting documentation. 

I believe that transparency and clear communication are essential in resolving this dispute efficiently. I am confident that a thorough review of the account transactions will clarify any misunderstandings and discrepancies. I trust that Driveway Finance will assist me in resolving this matter expediently and amicably. 

Furthermore, I would like to request that any collection activities or reporting to credit bureaus be temporarily suspended until this matter is fully investigated and resolved. I value my credit standing and it is important to me that my credit report accurately reflects my financial history. 

I appreciate your attention to this matter and look forward to receiving the detailed accounting of my account at your earliest convenience. Please send the information to me at the following address : Thank you for your prompt attention to this matter. I trust that Driveway Finance will address my concerns in a timely and professional manner. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

i bought a phone from XXXX XXXXXXXX on XXXX of XXXX XXXX it didnt go through so they refunded me my money back on XXXX i was told not only dose the tranactuion not show in my chime account at all but chime says it was refunded and i spent it, i payed close attention to my account aftwer the purchess and id was not refunded to my account but was taken out.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

These four Accounts on my Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Have been reported completely inaccurate as shown in the screenshots. These 4 inaccuracies reporting late payments and negative information has dramatically affected my ability to get approved for mortgages and credit. I want these 4 erroneo
usly reported accounts removed from my credit report.

Per FCRA 15 U.S. Code 1681n, these are violations that entitle me to compensation, up to {$1000.00} per violation
Consumer complaint received 2024-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

Multiple letters have been sent to the credit bureau regarding inaccurate information reported on my credit. Due to their lack of response, my score has been negatively impacted. I have requested for the information to be validated and it has not been.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (MD)

I have XXXX unknown inquiries on my XXXX report I HAVE TRIED VARIOUS TIMES TO GET REMOVED AND KEEP RECEIVING THE SAME RESPONSE AND I NEED XXXX TO REINSTATE MY ONLINE PROFILE ACCESS SO I CAN LAWFULLY ACCESS MY REPORT.. 
FLAGSHIP CREDIT ACCEPTANCE -XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

Hi was conttacted by a company called XXXX XXXX XXXX XXXX. '' They offered me a job with setting appointments for their company. They said I would need qualify through affirm 's credit. This was to purchase a course. They did not really explain any details but just that if I make 10 qualifying appointments by the first month they would wipe the balance of the credit. I later found out that the company provides fraudulent promises and will not return the credit payment as promissed. I then contacted Affirm 's customer support multiple times in which they said they would contact me back with next steps within 3-5 business days. However, they did not, and would simply just mark the case as closed/ resolved without giving a definitive answer or follow-up.
Consumer complaint received 2024-06-25
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

In and around XX/XX/XXXX, my auto insurance company issued a check to my wife to be used by her to repair her vehicle ( XXXX XXXX XXXX ). However the check was issued to the names USAA Savings Bank & XXXX XXXX. She learned at a local XXXX XXXX that the check needed to be endorsed by USAA first, since they were first on the recipient line. Since my wife had already endorsed it, it was null and void. We contacted our auto insurance XXXX to ask for a new check, this time to be mailed directly to USAA. Prior to this call, we reached out to USAA to ask who we would send this check to. We were given the XXXX XXXX address ( Cash - XXXX Analyst ). 

Also in XXXX I had reapplied for a refinance loan on the very same vehicle. On XX/XX/XXXX, there was a principal payment made to the car loan, equivalent to the amount of the check my wife was issued to be used for her car repairs, {$8100.00}. Since this period I've called over 10 times, spoken to over 25 different representatives on how to receive this refund so that we can repair our vehicle. Each call I was told it was in progress with a date stamped, coincidentally on the day I called. But I could never get any further information. I asked to speak to managers but were told they don't have any direct contact lines.

This evening I called once again and learned from the USAA rep that this entire ordeal has been handled incorrectly and that our XXXX XXXX XXXX should've have never issued the check with USAA as one of the recipients. This has really frustrated me as I feel I should've been told this on the initial call when I inquired about who, in USAA, to send the check to. 

Also, I feel the notes that this check was to have been used for repairs should have been a clear indicator that this check should not have been used as a principal payment. 

Because of this we re having to wait almost two months and what will be longer ... .without any transparency in the process and also still with a vehicle that requires repairs.