davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (DE)

XXXX account ending in XXXX, opened XX/XX/year>, available credit {$3200.00}, contacted by myself XX/XX/year> for fraud XXXX account XXXX in XXXX, opened XX/XX/year>, available credit {$8400.00}, contacted by myself XX/XX/year> for fraud XXXX inquiry on credit report XX/XX/year>, phone number not accurate XXXX XXXX XXXX inquiry on credit report XX/XX/year>, no phone number listed
Consumer complaint received 2024-07-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

18 months ago, I opened a XXXX CD account with CIT bank XXXX XXXX 4.5 %. XX/XX/year> is the maturity day. 

On XX/XX/XXXX, I logged into my online account and found out my expected principal and interest was locked into a new 2 Year CD account @ XXXX 0.399 % without my consent and knowledge. 

I called the bank and was told it was CIT bank policy ( embedded in page XXXX of a XXXX pages document ) that matured 18 months CD will automatically be rolled into a two year CD account. I was never informed of such a policy when I signed up with original CD. I am extremely disturbed by the fact that they chose to roll my money into a two year CD practically earning Zero interest rate when ongoing market interest rate for CD is around 5 %.. Even on their own bank website is full of CD products that earn XXXX to 4 %. This is a totally ripped-off. 

To make things worse, when I requested to close this XXXX year CD they hijacked me into, they told me I need to pay early withdraw penalty of more than {$500.00}. Despite my talking to the bank supervisor XXXX and manager XXXX, they refused to waive the early withdraw fee and the vicious bank got their way. 

This is a bank with zero business ethics. I am writing to seek you help. Thanks!
Consumer complaint received 2023-09-14
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)

I've disputed several accounts and asked for re-verification for accurateness and completeness of these accounts but all I have received is letters stating they can not identify me when I have send in my utility bill, my driver 's license, my social security card and my W2. How can they not identify me? The following accounts are inaccurate, unverified and incomplete : XXXX XXXX XXXXXXXX- why is this on my credit report? 
XXXX XXXX XXXX XXXX - I was never late on this account. 
XXXXXXXX XXXX account XXXX - I have no idea what this is or if it belongs to me. 
XXXX XXXXXXXX - I don't think this is my account. I have no idea what it is. 
XXXX XXXXXXXX XXXX XXXX - What is this? I would like this validated. This is a debt collector and I don't know who or what this is. 

I would like these investigated for completeness, accuracy and that they are mine because I don't know what most of them are.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I had previously complained to Equifax about a fraudulent/erroneous address of XXXX XXXX XXXX appearing on my credit report. XXXX refused to remove it by simply ignoring my complaint. On XX/XX/2019, I submitted a complaint to the CFPB concerning this fraudulent/erroneous address of XXXX XXXX  XXXX and Equifax responded on XX/XX/2019 by stating that the address of XXXX XXXX XXXX had been DELETED ... ..Equifax LIED ... .They NEVER DELETED the fraudulent/erroneous address of XXXX XXXX XXXX and the address IS STILL ON MY CREDIT REPORT. Is there any way to insure that this fraudulent/ erroneous address of XXXX XXXX XXXX is PERMANENTLY removed?
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX, I was XXXX and XXXX in XXXX XXXX, XXXX ( see attached official XXXX XXXX Municipal Police Report, officially accepted XXXX Attorney General Police Report and Official XXXX Analysis showing XXXX  found in my XXXX ), and my phone and computer were stolen. In association with this crime, my phone and/or computer were used by those who stole them from me to access my Paypal account . In total, USD {$4100.00} were transferred out of my Paypal account to accounts that I do not recognize.

Paypal has not resolved this, and I seek acknowledgement that these transactions were not authorized and a complete return of all stolen funds to my account. 

The following is the detail of each transaction : Date Amount Transaction ID Case ID XX/XX/XXXX {$980.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX I have submitted to Paypal a federal police report supporting my claim that all and any transactions using my Paypal account completed between Feruary XXXX, XXXX and XX/XX/XXXX were fraudulent and unauthorized. ALL TRANSACTIONS BETWEEN XX/XX/XXXX and XX/XX/XXXX WERE UNAUTHORIZED. 
These transactions have the following Paypal CASE IDs and reference numbers : : CASE ID : XXXX ( Transaction # XXXX ) CASE ID : XXXX ( Transaction # XXXX ) CASE ID : XXXX ( Transaction # XXXX ) Every XXXX of the above transactions was not authorized and was transacted without my consent. I request that these transactions ALL be reversed and that the money be returned to my associated bank accounts for each transaction immediately. I am submitting the attached police report accepted by the Office of The Attorney General of XXXX in order to support my claim of fraud and unauthorized transactions. Please find attached an officially translated XXXX copy of the Police Report, as well as the original XXXX  version. 
I request that Paypal communicate to my associated banks that, due to the unauthorized transactions listed above between XX/XX/XXXX and XX/XX/XXXX, the associated bank accounts must be reimbursed for the associated amounts per transaction. 


Sincerely, Concerned XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CENTRAL BANCOMPANY, INC (KS)

I opened a personal checking account with Central bank, I used a referral code to get a {$300.00} bonus, I provided them the referral code as requested in XXXX, met all the requirements for the bonus and then after I met them they informed me that the code would not be honored, however they chose to wait until after I had met all requirements to tell me it was not valid, I would like the bonus to be posted to my account.
Consumer complaint received 2024-07-18
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. (FL)

TransUnion XXXX XXXX XXXX Department TransUnion LLC XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Urgent Request for Correction of Phone Number on Extended Fraud Alert and Notification of XXXX XXXX XXXX XXXX Dear TransUnion Fraud Department , I am writing to urgently request the correction of the phone number listed on my extended fraud alert. The current phone number on file is incorrect and should be updated immediately to XXXX. This is the only phone number that should be listed on my file. 

As a victim of XXXX XXXX I have attached all supporting documents, including the XXXX XXXX  determination letter, to substantiate my status. This situation has caused me significant distress and inconvenience, and it is imperative that my contact information is accurate to ensure my safety and privacy. 

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate. Under 15 U.S. Code 1681i, you are required to promptly correct any inaccuracies. Failure to comply may result in civil litigation. I will seek damages due to the detrimental impact this inaccuracy has had on my well-being and ability to manage my credit. 

Please consider this letter and the enclosed documents as an official request for the correction of my phone number. Updating this information will serve as a receipt for me to ensure compliance and, if necessary, to file civil litigation to resolve any further issues. 

I trust that you will address this matter with the urgency it requires and update my contact information without further delay. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 2024-07-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

I took a loan of {$3000.00} based on my auto title from TitleMax based in XXXX XXXX XXXX, Texas. I hoped to pay off the loans but it seems I will forever repay the loans because it is unending. The interests and the capital keep increasing sometimes leading to the repossession of my vehicle. It is a debt trap. 
I wish to be able to repay my loans on a set time and amount so that I can breathe again.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MN)

XXXX sent a letter that stated they were sending a new XXXX XXXX XXXX XXXX Credit Card for a closed account. I called XXXX XXXX and they refused to help because they already sent the non-requested card.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Synovus Bank (RI)

XXXX i called to See what we can do to resolve the issue they shut the phone one me disconect they would not tell me tell me The Company id XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft and I have plenty of unauthorized accounts/inquiries listed on my credit report. There's also a bankruptcy listed and it's not reporting 100 % accurate because it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that. I need all accounts and inquiries that are unauthorized removed immediately!
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (WI)

Was in the process of making orders like normal. Card kept getting denied/rejected, shortly after logged into app and found an alert saying to verify my transactions. A XXXX number was provided through the app and I called. Got connected to a live rep, who asked a series of questions related to account security. From the security text message, childhood nick name. I refused and was then asked for full credit card number which I refused and was then asked for other cards/accounts that I had with Citibank. I refused to answer all of the questions and hung up. 

Reviewed the Citibank app and website and there is not other way to contact customer service. Per their text message of them stating they will not call or text for the security code, and common knowledge of not giving you full credit card information to unverifiable/sketchy representatives, there is no way to reactivate my credit card. A search on Citibank shows this issue has been ongoing with other customers as well. 

So either the bank is terrible at security, lacks review of their security measures, missing common sense, or their app and web site has been compromised by scammers. This is a terrible methodology of security, locking customer cards without notification and an abysmal procedure to unlock the credit card. I would be stranded with no way to pay for bills/purchases if this had happen while I was out and about. The inability to unlock your account without compromising your personal information and account information to unlock if this even was a real representative from Citibank, is an invitation for scammers/data leak. There needs to be an investigation/oversight in this process and the lack of accountability with account security with this bank, if they are so incompetent with something this simple ; Im not sure how great they can be with other aspects of consumer protection.
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I volunteered to surrender my vehicle after repossession. They told me that the vehicle would be sold at auction on XX/XX/year>. Said the amount the vehicle was sold for what be subtracted from the loan amount and still to this day the balance is increasing as well as its still being reported to my credit as a repossession XXXX as of todays date. This is effecting my credit score as Im currently trying to build and pay off debts. I have filed many disputes with XXXX with no results changed.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Driveway Finance Corporation (MI)

I am writing to request proof of your authority to collect on this sold/transferred loan account. I need proof of your authority to collect on this alleged debt. You have already admitted to attaining this debt via a third party, so I desire more proof before another payment is forced upon me for this fraudulent transaction.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

They claimed to avoid interest 2 consequently statement must be paid in full. they required two consequently payments to be made in full on time for interest to stop accruing. This does not make sense. there should be no interest charges if the balance is paid in full. The Creditor is CITI Bank.
Consumer complaint received 2022-02-04
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. (TX)

on XXXX XXXX XXXX closed an account for non use. As a result my credit scored took a XXXX point drop with XXXX and Equifax. Once again I have to deal with a drop in my credit score from action which was not of my own doing. this may adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly and truly deceptive practice. It is absurd that I should be punished for an action I did not take and XXXX allows to continue to happen.
Consumer complaint received 2024-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Security National Financial Corp (TX)

I had been working with the mortgage company since being after by Covid 19 and developing a financial hardship. I was never late and have the documents which reflects my first mortgage payment is due in XXXX. They recently started to report late pays for XXXX and XXXX and the month of XXXX is not over. I contracted them And they said its for XXXX and XXXX but the point is I still was in the program waiting on the underwriters to review our application for which program we qualified for. If we had a payment due we would have paid it. This is completely fraudulent and predatory. Security National Mortgage.
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (IL)

Apple purchase We never install XXXX and charge Apple Card XXXX XXXX. We reported but apple never accept refund or fraudulent charge with XXXX. I want this charge cancel but failed to cancel and say to pay I cant pay XXXX because me and my family cant purchase anything I want to cancel my XXXX account who make or purchase is not for us
Consumer complaint received 2024-07-12
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

So on XX/XX/year> ; I went out with friends for a few drinks in XXXX since I am XXXX XXXX currently XXXX. When I paid using my Apple Card in my Apple wallet a few hours later I started receiving fraudulent charges across XXXX different cards That were in my Apple wallet. I have already disputed the XXXX other credit cards that were compromised and they were already handled by XXXX XXXX, and XXXX XXXX properly. The charges onto my Goldman Sachs Apple Card for {$1700.00}, {$1500.00}, and {$930.00} all charged from XXXX XXXX, all transactions were put on a temporary credit until a final decision could be made. I have now been told that the fraud decision was reversed and that I would be responsible for charges that were not made by myself. Then on XXXX XXXX my Apple Card number was stolen again by a company called XXXX XXXX for XXXX. Again I was not near any of the place of businesses when these charges occurred, and with being in a XXXX XXXX XXXX XXXX XXXX it has been near impossible to get anyone to cooperate. I have now since appealed the reversal decision with Apple Card support. XXXXXXXX XXXX  and XXXX XXXX have closed their investigations with crediting the accounts properly.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

The lease in question ended at the end of XX/XX/year>. I was granted an extension to purchase the vehicle. The lease extension was through XX/XX/XXXX. I sent Toyota a bank check for the full purchase amount which was received by Toyota on XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). Toyota is now reporting the lease as delinquent.

I called Toyota on XX/XX/XXXX after I became aware of the status of the lease. Toyota indicated that they are experiencing a delay in processing the end of the lease. Toyota stated it is taking them about 30 days to complete the lease end process. I emphasized to Toyota that the information on my credit report was incorrect. Toyota offered to e-mail a letter stating that the lease has been paid as agreed. Toyota stated the letter would be sent via e-mail within the next 48 hours. No letter has been received. The status of the lease is still being misreported.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (MS)

I called to GLobal Lending Services in XX/XX/year> requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

Someone applied for a credit card in my name in XX/XX/year> and I have no knowledge of this happening. Now I just received a debt collection letter in the mail for a balance of {$650.00} and my credit has dropped. I have no idea who has my ssn or who applied for whatever this alphaeon credit card is.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I hope this communication finds you well. I am composing this letter to request detailed information regarding a dispute that I initiated on XX/XX/2024 AND XX/XX/2024, and the subsequent response that I received on XX/XX/2024 AND XX/XX/2024 via CFPB Complaint Portal. PLEASE SEE ATTACHED DOCUMENTS
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I am filing a complaint regarding false advertising related to the XXXX XXXX and American Express ( Amex ) joint credit card program. 

Details : I have an Amex credit card that participates in the XXXX XXXX program. 
After meeting the required spending criteria, I was awarded a free night stay. 
The property I chose is on the list of properties where the award can be used ( it is not on the excluded list ). 
Despite this, XXXX is blocking my ability to book a room at this property by changing all available rooms to premium categories, which are not eligible for the free night award. 

This practice effectively makes it impossible for me to use my earned free night, rendering the promotional offer misleading. This constitutes false advertising.