davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NH)

I wish to report a fraudulent offer by XXXX XXXX and Citibank, NA regarding a {$250.00} credit to be received on opening an XXXX XXXX card issued by Citibank NA. 

On XX/XX/XXXX I went to the XXXX XXXX website to book a flight from XXXX XXXX, XXXX XXXX to XXXX. On the XXXX XXXX website was an offer ( see attachment ) : Earn up to a {$250.00} statement credit Pay today {$890.00} Card statement credit - {$250.00} Total after statement credit {$640.00} XXXX applied for and was approved for the credit card. On the same day I purchased the flight for {$890.00} with a credit card other than the AAdvantage card, since I had neither the actual AAdvantage card nor the required AAdvantage card information. However, I did not receive the promised {$250.00} credit. I made complaints to both XXXX XXXX and Citibank, who refused my request for the credit because I had not used the Aadvantage card to pay for the flight. See attachments for their responses. 

This offer was fraudulent because : XXXX. The wording pay today implies that the offer was only valid for flights purchased on that date. 
XXXX. The offer did not state that the XXXX credit card must be used to purchase the flight in order to receive the credit. 
XXXX. Contrary to the statement in the XXXX XXXX response, the required XXXX cared information necessary to book the flight was not displayed, even for a few minutes. 
Even if it was displayed for a few minutes, this is not enough time to book a flight online, especially since I am XXXX XXXX XXXX and slower than I was previously. 
XXXX. Both responses state that, contrary to the pay today language on the website, the credit can be earned by using the card for future purchases on the XXXX XXXX website, but they do not agree on the period for which this would be valid the XXXX XXXX response states 12 months ; the Citibank response says 6 months. This implies that the offer was made in haste and not fully understood by the parties involved.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FREEDOM FINANCIAL NETWORK (GA)

I contacted XXXX ( Freedom Plus ) to inquiry about my request to get information on a possible loan. The system required me to call in to further request more information regarding my current situation. I spoke with an XXXX representative on the phone with me and my spouse looking for options. The representative did not disclosed to us in the process that we will have to do a hard pull on our credit nor did I sign or submit documentation of consent to this pull. The company verified my email. Nevertheless, the representative stated I would receive a call back because they were having problems with their system. I never received any communications on my what was done with my information. It was improperly used without consent.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

On XX/XX/year> I bid paid XXXX {$340.00} for membership fee and bid on a vehicle on my XXXX XXXX business card. A security deposit of {$750.00} was held on separate business card for the purchase of the vehicle. This company has a XXXX money back guarantee similar to their parent company XXXX. XXXX accepts credit card for purchases of the vehicles won and for their {$240.00} membership fee. 
After winning the auction for the vehicle on XX/XX/year> that's when I learned that I was unable to pay for the vehicle with my business credit card that XXXX held the {$750.00} security deposit. I took time off work to get financing and was able to get a company to purchase the vehicle on my behalf. This company is XXXX... paperwork is attached. However, XXXX refused to cooperate with the company for them to purchase the vehicle. I told them to either accept the offer from XXXX or charge my XXXX business card. I also informed the XXXX by phone that I upgraded my membership to the {$340.00} with the intent of using my business card for the purchase. If they were not willing to accept my XXXX business card or Caramel for payment then the membership would not work for me. I requested by phone on XX/XX/year> that they cancel the {$340.00} membership and issued a refund since I was within the buyers remorse period. My {$750.00} deposit was release to me but the {$340.00} is still reporting inaccurately which is causing damages to my credit and impacting my pending home purchase.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/year> I bid paid XXXX {$340.00} for membership fee and bid on a vehicle on my XXXX XXXX business card. A security deposit of {$750.00} was held on separate business card for the purchase of the vehicle. This company has a XXXX money back guarantee similar to their parent company XXXX. XXXX accepts credit card for purchases of the vehicles won and for their {$240.00} membership fee. 
After winning the auction for the vehicle on XX/XX/year> that's when I learned that I was unable to pay for the vehicle with my business credit card that XXXX held the {$750.00} security deposit. I took time off work to get financing and was able to get a company to purchase the vehicle on my behalf. This company is XXXX... paperwork is attached. However, XXXX refused to cooperate with the company for them to purchase the vehicle. I told them to either accept the offer from XXXX or charge my XXXX business card. I also informed the XXXX by phone that I upgraded my membership to the {$340.00} with the intent of using my business card for the purchase. If they were not willing to accept my XXXX business card or Caramel for payment then the membership would not work for me. I requested by phone on XX/XX/year> that they cancel the {$340.00} membership and issued a refund since I was within the buyers remorse period. My {$750.00} deposit was release to me but the {$340.00} is still reporting inaccurately which is causing damages to my credit and impacting my pending home purchase.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/year> I bid paid XXXX {$340.00} for membership fee and bid on a vehicle on my Capital One business card. A security deposit of {$750.00} was held on separate business card for the purchase of the vehicle. This company has a 14day money back guarantee similar to their parent company XXXX. XXXX accepts credit card for purchases of the vehicles won and for their {$240.00} membership fee. 
After winning the auction for the vehicle on XX/XX/year> that's when I learned that I was unable to pay for the vehicle with my business credit card that XXXX held the {$750.00} security deposit. I took time off work to get financing and was able to get a company to purchase the vehicle on my behalf. This company is XXXX... paperwork is attached. However, XXXX refused to cooperate with the company for them to purchase the vehicle. I told them to either accept the offer from XXXX or charge my XXXX business card. I also informed the Manager by phone that I upgraded my membership to the {$340.00} with the intent of using my business card for the purchase. If they were not willing to accept my XXXX business card or Caramel for payment then the membership would not work for me. I requested by phone on XX/XX/year> that they cancel the {$340.00} membership and issued a refund since I was within the buyers remorse period. My {$750.00} deposit was release to me but the {$340.00} is still reporting inaccurately which is causing damages to my credit and impacting my pending home purchase.
Consumer complaint received 2024-09-22
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/year>, I discovered a fraudulent charge of {$2400.00} on my credit card from a XXXX XXXX. I never made this transaction. I immediately called Wells Fargo, my credit card company, and they told me they could not stop the pending transaction and that I would have to dispute it and they would have to investigate it. 

A week into their " investigation '' I called Wells Fargo to get an update. The woman I spoke to said that they called the merchant but no one was currently there to look into the charges. She called again while she had me on hold but told me that once again no one was at the merchant that could look into charges. I asked her for the phone number of the merchant and they provided it. I hung up with Wells Fargo and called the merchant myself. I immediately got ahold of an employee you was able to look into transactions and she confirmed they had no record of the transaction on their end. She then called the merchant 's corporate office who called me and they confirmed again that no transaction had occurred. They were very helpful. The woman I spoke to at corporate XXXX XXXX was named XXXX. 

I then called Wells Fargo back and provided the corporate number and XXXX 's name. The new Wells Fargo rep I spoke to put me on hold, called the number I provided and came back to me and said that the merchant did indeed confirm that they have no record of the transaction. He said they would proceed with their investigation and let me know the resolution. 

I just got a letter in the mail stating that no fraud had occurred and I would have to pay the {$2400.00}. When I called Wells Fargo to ask how that could be the case, the woman I spoke to said she saw no record of the conversation I had with the man that confirmed there was no record of the transaction with the merchant. She said it was possible she didn't have access to it. However this leads me to believe that there was no further investigation and Wells Fargo did not do their due diligence. I called the merchant number they provided me and was able to get information and answers right away, even though they claimed to have called twice. They are denying fraud took place even though I was on the phone with them when they confirmed the store said they don't have the transaction. None of it makes any sense. 

I now have to send Wells Fargo a letter from the merchant, my police report and recorded customer service phone calls in order to get this case reopened. I have to go to a physical branch to get the phone calls submitted. It would be very helpful for the CFPB to help me in resolving this matter as it has made me incredibly anxious. I do not have {$2400.00}. I have recorded all phone calls with Wells Fargo and XXXX XXXX, the merchant that Wells Fargo found in their investigation. 

Thank you.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> JEFFCAPSYS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$3000.00} related to Account No.

[ redacted ] 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information. 
2.Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

i submitted a previous complaint requesting specific documents which you gave me so Thank you for sending that. However, after going through the documentation that you have provided, you dont have any proof that I owe you anything and you have the authority to collect. I refuse to pay.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NM)

Cardinal financial started the process of a recast. We wired them XXXX for a recast on XX/XX/year>. We wired the requested additional {$300.00} for the recast fee. In the meantime, XXXX XXXX took over servicing our loan. The recast was never processed. The XXXX and XXXX was never refunded. The recast never went through. the loan amount due never changed. They kept the money that was supposed to go towards the recast.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery allegedly bought my credit card debt in XXXX of XXXX, but failed to send me a debt validation notice. My address has been the same since XXXX, XXXX years prior to opening the original account with XXXXXXXX XXXX XXXX in XXXX. In my opinion, Portfolio Recovery should have my mailing address if they are the legal debt buyer. I have never received a single written notice from Portfolio Recovery regarding the debt they claim to have bought and posted onto all three credit bureaus. I only became aware of this new account through a credit monitoring service. Credit report shows the original debt holder charged off this debt in XXXX of XXXX. In addition, Portfolio Recovery continued to harass me by phone daily through the month of XXXX, XXXX when this account was under dispute.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One had no issue pulling {$100000.00} from an external account when I opened a new 360 Performance Savings account. however, once I went to withdraw the funds months later, they froze my accounts on two separate days, taking 30+ minutes to resolve the first day, and unable to even provide a reason or resolution the second day after another 30 minute phone call.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against TransUnion Regarding Impact on Creditworthiness Dear CFPB, I am writing to formally file a complaint against TransUnion regarding negative remarks listed on my consumer report that are adversely affecting my creditworthiness, credit standing, credit capacity, character, reputation, and mode of living, as outlined under 15 U.S. Code 1681a, Definitions ; rules of construction, section ( d ). 

I have reviewed my consumer report from TransUnion and have identified the negative remarks that portray my financial behavior. That entry has hindered my ability to secure a mortgage loan, which is crucial for my financial stability and future. 

Despite my efforts to address this negative information directly with TransUnion, I have not seen any changes. Specifically, I have requested that these remarks be updated to reflect that the account is paid and closed. If TransUnion is unable or unwilling to make these changes, I believe that the negative remarks should be removed from my consumer report entirely, as they do not accurately represent my current financial standing. 


I urge the CFPB to investigate this matter and compel TransUnion to either update the remarks to " paid and closed '' or remove it from my credit report altogether. The continued presence of this negative entry is unjustly impacting my financial opportunities and overall quality of life. 

Thank you for your attention to this urgent matter. I appreciate your assistance and look forward to your response. 

Sincerely,
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Subject : Inquiry Regarding XXXX 's Access to My TransUnion Credit Report Dear CFPB, I am writing to express my concerns regarding XXXX access to my TransUnion credit report. I have recently discovered that this company has been reporting false and misleading information about my credit history, in violation of the Fair Credit Reporting Act ( FCRA ). 

I would like to clarify that I did not provide written consent for XXXX to access or display any of my accounts or non-public financial information on their platform. This unauthorized access raises significant concerns about my privacy and the accuracy of the information being reported. 

I am requesting that the CFPB investigate this matter further, as it appears that XXXX is not complying with the regulations set forth by the FCRA. It is crucial that consumers ' rights are protected, and I believe that the actions of XXXX warrant scrutiny. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

In XXXX, I graduated from a fraudulent school, XXXX XXXX XXXXXXXX XXXX. At that time, I was to go into repayment with Navient ( my former account holder was XXXX ). Navient steared me to go into forebearance and shared nothing with IDR opportunities. From XXXX to XXXX, with interest accrewing that I was unaware of, Navient encouraged me to go into forebearance. In XXXX, after doing my own research, I learned about XXXX, did what I needed to do qualify and went into XXXX on a annual basis. Around XXXX, I could not afford the over $ XXXX student loan repayments and they moved me to a monthly amount that I could afford. As a result of not moving to XXXX immediately upon graduation, I accummulated 5 years of compounded interest due to Navient.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I was a victim of a devastating fraud where my device and XXXX account were compromised, resulting in unauthorized purchases on XXXX on XXXX using my debit car. The amount of XXXX was made entirely without my consent or authorization. I reached out to Chase Bank, providing all the documentation and evidence I could gather to prove the fraudulent activity. Yet, they chose to side with the merchants, ignoring my pleas and showing a blatant disregard for my situation. Additionally the merchant is no better as they ignore and only reply with automate answers. Additionally the merchant has denied to close the account in question. Instead of helping me recover the stolen funds, they have effectively supported the perpetrators by refusing to take action. It's deeply disheartening to see the bank I trusted prioritize profits over protecting their customers, making me feel abandoned and betrayed in my time of need.