davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had my XXXX XXXX XXXX for the last XXXX months now, and have been continuously requesting credit limit increases for the last XXXX months as XXXXXXXX XXXX was not enough to handle my daily expenses, and my utilization rate is extremely high due to this. 

Capital One representatives said that after my XXXX statement is cut, I would receive an automatic credit line increase to help out my utilization rate. It has been that, and no increase. The reason being is that there is missing info from a bureau, that being XXXX. I asked the rep to try a different bureau and there was a hard pull and then I got hung up on. 

The Capital One cards I have XXXX even reporting to XXXX at all, which is a violation of the Fair Credit Reporting act. XXXX is asking me to contact Capital One, and CO is asking to contact XXXX, unacceptable. 

I am looking for my promised credit line increase as I have been maxing this card out XXXX and paying it off in full, and for this card to report to my XXXX. I love capital one and would like to continue using it but this is unacceptable.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 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 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX I am writing to formally lodge a complaint against Regions Bank regarding their failure to honor a {$400.00} welcome bonus offer, despite my having met all the stipulated requirements. 
Details of the Offer : Offer Description : {$400.00} welcome bonus for opening a new checking account Requirements : [ Open a new personal LifeGreen checking account by XX/XX/XXXX, Enroll in Online Statements, Use your Regions XXXX  CheckCard to make XXXX or more purchases within 30 days of opening your account ] Account Opening Date : [ XX/XX/year> ] Issue Summary : I opened a new checking account with Regions Bank in response to their {$400.00} welcome bonus promotional offer. The offer required that I meet certain criteria, all of which I satisfied within the specified time frame. 
Completing XXXX transactions, which were all completed by [ XX/XX/year> ]. 
Despite fulfilling all the requirements, the promised {$400.00} welcome bonus has not been credited to my account. I have contacted Regions Bank customer service on multiple occasions to resolve this issue, but to no avail. The representatives have been unable to provide a satisfactory explanation of why the bonus will be credited. 
Attempts to Resolve : Date ( s ) Contacted : [ XXXX via phone and in person ; XXXX via email ] Customer Service Response : I was told several times that the issue XXXX XXXX escalated and looked into ; I ultimately started to receive the run around and eventually they were non responsive. I then visited a local branch where I was given no clear reason that the offer was not honored and was forced to close my account at that time. 
I believe that Regions Bank is in breach of their promotional offer terms and conditions. As a consumer, I feel misled and disappointed by their failure to honor this promotion. 
I am requesting that the CFPB intervene to ensure that Regions Bank fulfills its obligation by paying the {$400.00} welcome bonus immediately via check. I also seek assurances that similar issues will be addressed in a timely and fair manner for other consumers. 

Regards, XXXX XXXX
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened a secured credit card with my own money. The amount deposited was {$1000.00} which I was told would be my credit limit. Upon entering into the agreement, I inquired about the secure card being transitioned into a revolving account. I was advised as well as it was outlined in terms and agreements that once I maintained a positive payment history for a year my account would automatically transition into a revolving account. I maintained my account in great standing for over the time period allowed, how the agents kept creating unfounded claims and stipulations to push back the maturity date. Never upholding the bank policy and procedures. I was advised by Citibank credit department that my account did actually qualify. My account was never transitioned. 

In addition to failing to adhere to secured card policies, claims were not properly adjudicated and Citibank blocked my access to account to view transactions, prevented me from filing a claim and closed my account without cause or notification. 

Citibank then erroneously reported my account to the credit bureaus as a late payment account and charged off account. This is not the case. Also, the funds were my own. Citibank reported my account as a revolving account, However, I was advised by Citibank card services that this was never transferred to a revolving account. I secure card account was never in default. Citibank reported my account was charged off owing {$450.00} of the {$1000.00}. There was no possible way this is owed because the limit was only {$1000.00} and the account will not allow for transactions to process over the {$1000.00} Citibank is reporting my account fraudulently and legal action will be taken if this is not corrected with ALL credit reporting agencies.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: OneMain Finance Corporation (AL)

An employee called and also text me outside of work by violating my rights and threatened me through a text that's listed below. He continued to call and make threats. There were also false information reported on my credit and according to FCRA law 605 you could not report or call out of term and make threats.
Consumer complaint received 2024-05-21
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. (NM)

I am a victim of Personal Information breached through Equifax Reporting Agency. In the breach of data in XXXX  Equifax failed to safeguard my nonpublic personal information. They are in violation of multiple laws as I am make my complaint. From inaccurate reporting to giving or selling nonpublic personal information to non affiliated companies. Not correcting information I have provided to them on several occasions. Lacking integrity, for the fact of not ever telling me my personal nonpublic information was breached. I found out on my own, and since verified with Equifax that indeed my nonpublic personal information was stolen.
Consumer complaint received 2024-07-26
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pollack & Rosen, P.A. (FL)

Pollack & Rosen is representing for XXXX XXXX XXXX XXXX XXXX. In XXXX I was notified by them of a debt and I requested more information stating I had no knowledge of the debt. I never rec 'd this. Now in XXXX they are garnishing my wages stating I rec 'd a judgement in XXXX. I never rec 'd a summons. It is possible they did not locate me as I moved XXXX times in XXXX due to various issues. There has been no information ever provided about this original debt amount, no proof that the debt is mine, and now my wages are being garnished. I have purchased XXXX homes since then and not once has this come up. I have no knowledge of the debt and would like them to cease from continuing collections. This was well past the Florida statute of limitations at the time the judgment was entered.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (IL)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit reporting agencies.
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TX)

XXXX XXXX  sent debt to collection for a club account I closed as part of my relocation to XXXX where the club has no locations. I notified the club representatives of my move and made it clear that I did not want this to happen and was assured it would not.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-20
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. (CA)

I recently reviewed my credit report and noticed an account that was not reported accurately. I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following date XX/XX/year>. XXXX now requesting you to investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-01-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC. (FL)

I have called the XXXX and went to Web site to make a final payment. No one answers the phone in fact I get a msg. " The XXXX XXXX XXXX closed it's business and no customer service is available ''. At the Web site I get the payoff information is available but there is no link to make a payment. However, the balance is increasing do to the interest. I do not need this to go on my credit report for non payment or collections. I have tried multiple times over the past month and a half. I do not know what to do.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (MN)

May XXXX XXXX XXXX  I transferred money into my chime account XXXX and was scammed out of a house and the XXXX and I complained to chime they said that they seen no fraud i filled a police report and sent it to chime and they denied my claim 4 times and even closed my chime account and refused to tell me why they won't even answer my calls anymore I even got a hold of the bank they go through and i submitted all information to them and it was still denied
Consumer complaint received 2017-02-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CT)

I fell behind in my mortgage payments and was contacted last XXXX by a credit associate with my mortgage company. She assisted me in beginning the modification program. Once I began the process, my associate was changed. I have now submitted the modification paperwork no less than 6 ( six ) times since XXXX, and each time there is a reason why the modification can not be completed. The most recent time I submitted the documents, I double and triple checked the paperwork to be sure that it was accurate, complete, and signed in black. It was. Once I contacted the mortgage company ( my rep does not follow-up on her accounts ) this morning, I was informed that the paperwork was missing the Compliance Agreement page. I vehemently disagreed and asked to speak to the manager. The manager was also unable to verbalize a resolution that was acceptable, and said that he would contact me Monday, as the Modification department did not work weekends. 
Once I was able to review the copies that I had made of the documents that I sent to the mortgage company, I realized that either someone in the scanning department deliberately left a page out, or whoever received the document discarded or 'lost ' the Compliance Agreement ' page. This process has been going on for seven months. I think the mortgage company wants me to not complete modification and to leave my home.
Consumer complaint received 2024-07-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (CA)

I rented a car from XXXX in Hawaii in XX/XX/2023. The car was hit while parked. The person who hit the vehicle was honest and forthcoming. He provided me with his insurance coverage ( XXXX ). This information was provided to XXXX. They assured me not to worry that they would work with XXXX for the full recovery. 
Fast forward to XX/XX/2023, I'm in collects with Viking. I again provide XXXX information and I take the lead on working with XXXX directly to satisfy the debt. XXXX has paid for all of {$88.00} with is the alleged diminished value. For months both XXXX and myself have requested supports for this calculation. 

Viking has failed to provide these supports. I asked that all communications now be by email. Viking now refuses to communicate by email or provide supports and comparison values to substantiate the diminished value. I liken this practice to having a receipt listing items not in your shopping cart. They continually tell me I'm responsible for the debt but will not yield supports for how it was calculated. 

Viking is nonresponsive when they continually call me or ignores me altogether. At this point, I need resulting against these predatory practices.
Consumer complaint received 2024-07-23
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. (IL)

I signed up for an XXXX XXXX XXXX credit card through the XXXX XXXX website. The offer I signed up for I attached a picture of my computer monitor of the offer that I clicked on to sign up. I triple checked the offer when signing up and I made sure it was the correct one I even read the terms and conditions while signing up and included the {$400.00} flight credit on Americanairlines.com purchases in the first 6 months after opening as well as free checked bags for up to four people with no time limit. This was also supposed to have a spend {$1500.00} get XXXX miles offer too. What I ended up getting was an offer of spend {$2500.00} get XXXX mi and none of the other perks and that is definitely not what I signed up for. The whole reason I got this card was because of the flight credit and free checked bags and I would have never chosen the XXXX XXXX flight because there were others that would have been cheaper. This is completely messing up my vacation. I called the first time about this and they told me would offer I had which was not the one I signed up for and they gave me an email to send my proof and concerns to. ( XXXX ) I emailed them with my concerns and the proof and never heard back so I called back today and went up the chain of higher and higher supervisors/managers three times and they still refuse to honor the deal even with my included proof. They were demanding an actual letter that was addressed to me or an email address to me which they do not do that for this offer and that's why they ask because they know it's impossible to prove. It's only on the website and for some reason they won't take that proof. 

If you read that email address included it tells me this happens way too often if they have a dedicated email for this. Also if you just search XXXX XXXX XXXX credit card offer issue you'll find endless XXXX posts of many many people with the same issue. This seems like a continual problem and like they do it all the time and to everyone. This was 100 % a bait and switch they bait you in with a good offer and then switch it up on you in the system so it's not the same as you signed up for.
Consumer complaint received 2024-07-04
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I contacted Bank of America prepaid card ( Arizona unemployment ) about a problem I was having with my account. My account and identify was compromised and someone else unbeknownst to me was using my account resulting in multiple transactions and transfers I did not make. As we know this company had to end its partnership with DES Arizona due to multiple issues they were having including fraud. I submitted dispute claims- XXXX, XXXX, XXXX, XXXX, XXXX, but were all denied due reasons I dont know was XXXX told investigators concluded I authorize XXXX I knew to make theses charges ( which I didnt ). I have ample amount of evidence showing I did not make the charges/transfers, and I for one didnt even receive this card and thought my unemployment benefits werent even issued. This is a cause of fraud and identity theft which has really hurt me financially due to lack to funds during a really troubling time. Im asking for help resolving this matter, I do not believe the company that has multiple fraud issues and had to end its partnership with the state due to these issues can be trusted to investigate a claim in good faith. Furthermore I requested for information about the claim decision process and I was given none. Please if you can help me in this process of trying to get back funds that were rightfully mine which I did not use myself nor did I authorize anyone to use. This is a matter of identity fraud and poor security/business practices which resulted in funds that were rightfully mine being stolen and misused.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.