davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (PA)

on XX/XX/XXXX I called the Citi Bank Visa card customer service number to close my credit card account and I wanted to do it before the annual {$99.00} fee was due. My card balance is paid in full except for the {$99.00}. This card was a AAdvantage Platinum Select Card. After XXXX hour and several customer service people I was told they were unable to help me or my wife and to call back. We were further told my name is no longer on the account and would only speak to us if my wife was present, which she was. We called back on XXXX XXXX XXXX XXXX, and finally today XX/XX/XXXX. After about an hour each time I was told to call back that they we unable to access my account and close it. After all of our attempts my wife and I are at our wits end, and all this just to close my account. At this point we are just asking this Federal Agency to help.
Consumer complaint received 2024-05-25
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. (FL)

FCRA 605B stipulates that any incorrect accounts must be taken off my credit report. This account is wrongly reported, so please remove it. I am entitled to {$1000.00} for every inaccuracy on my credit file.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grow Credit Inc (CA)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (WA)

My wife and I opened a joint high yield savings account- Citi XXXX With Citi Bank . This was a lengthy process that was completed and verified on the phone with the representative. 
We use the online portal to log into the account which was set up and functioning and verified. We transferred {$10000.00} US To this account. 
Citi Bank subsequently decided to close this account in the middle of the night And gives no reasoning or explanation. 
This account is linked to another savings account. We have with them that contains roughly {$570.00}, And this ACCT was also locked along with all of my credit accounts with Citibank. 
I spoke at length to representatives and supervisors about this issue. They said it takes 30 to 60 days to refund our money from the account they closed. 
These phone calls are recorded and ACCT specialist admit on the phone that they do not disclose this waiting to their customers. And there is no way I could have known they were going to hold my funds for 60 days. The representative confirmed this. I have inquired whether or not there is any resolution to this that gets me my money back without them keeping it for two months, they said NO. They offered no solutions, And admit 100 % that they did not disclose this policy prior to the account being open. 
They told me I have no recourse and there is nothing I can do.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-05
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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (IL)

This is not a duplicate request! Previous request had a miss-type in the last XXXX digits ( XXXX instead of XXXX ) of the account, which bank opened without my consent, so bank simply responded " Were unable to find an account ending in XXXX ''. So here is the correct last XXXX digits of the account, which this bank opened without my consent. ( XXXX ) COMENITY CAPITAL BANK opened a new account ( XXXX ) under my name, without my consent or any involvement, which includes a charge with interest and fees under my name, which they keep increasing and submitting to Credit Bureaus ruining my credit score. 
The account I had opened with XXXX XXXX was : XXXX It can clearly be seen from the XXXX XXXX XXXX XXXX XXXX for {$150.00} Autopay setup here ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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: Cascade CISS Holdings, LLC (MA)

On behalf of XXXXXXXX XXXX XXXX XXXX, Xactus LLC ran my credit without my permission to do a hard inquiry of my credit on XXXX. Xactus LLC shows on my XXXX but XXXX XXXX XXXXXXXX is on my XXXX.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

XX/XX/year> because I do not have the full account number of the fraudulent credit card I was unable to contact anyone at Bank of America. They have my incorrect address and a credit card on my credit report that isn't mine.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I disputed 9 unauthorized transaction on my debit card account 2xs. Both times the bank, Chime denied both disputes. A hacker/scammer took {$650.00} from my account with multiple transactions. I got contacted by email from XXXX  that a person named XXXX was trying to take {$590.00} from my XXXX. So I called the number on the email that said call this number if you do not know this seller. A man by the name XXXX said he was from XXXX security and will help me make sure that hackers dont steal my money. He had me download an app called XXXX on my phone and computer laptop. He then came onto my phone and computer and messed around with a lot of things saying he was securing my chime account. Then as I was on phone with him I noticed transactions coming from my account. He said it was the hackers and it was only pending so they could catch the hackers and that no money would really come out that it would go back onto my account. Then he started to delete things on my phone. Then he hung up on me. I called Chime and told them. They said that they will make note and I had to wait till money was not pending anymore. I am XXXX. Then when transactions went through I filed a dispute and 2 days later it was denied. Then I redisputed rhem and one day later it was denied. I donot want these people to get away with this the bank or scammers. I took out money the first day at a bank and they said I could not take anymore out till next day because I was over my limit. But the same day these scammers took the rest of my money out of my account and the bank allowed it. I have phone numbers and email screenshot of the first email I called from XXXX. Now the bank wont do anything to help me get my money back or catch these people. I need help.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

A charge appeared on my account on XX/XX/XXXX I confirm with the bank that it was from XXXX I contacted XXXX by phone and email that they don't know why they made that charge but they're investigation is taking weeks meanwhile I filed with US Bank of fraud complaint on XX/XX/XXXX I contacted them a week ago for further information and they advised me the complaint was filed wrong and they would correct it, the conversation today they advised me for the first time that the complaint was denied on XX/XX/XXXX and that refiled until day before yesterday.

Also I advised in the account is fully funded by Social Security direct deposit and therefore as a protected account and not subject to garnishment other than child support or taxes and this is neither, they are unaware of any protection afforded by Social Security, something I believe they should be aware of. Now they want to take their sweet time up to 90 days to resolve this with no provisional credit being made. This is unacceptable.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX Select Insurance Comp 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604A Section 2 ; it also states a consumer reporting agency can not Furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency report containing any of the following items of information Any adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CB/VICSCRT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Groundfloor Finance Inc. (CA)

My name is XXXX XXXX Ive made a complain before about This same company call ground floor finance or I would say this is not a company because they are scamming people money because even now I still cant get back my money! They are saying the money have to go back to original bank account when my account is closed I no longer use that account! They are saying they suspected me of fraud how can they suspected me of fraud!!!?? If this money was not mine dont you guys think the person who own the money would have already made a complain to their bank about missing funds and the bank would have contacted you guys?? Dont you guys think that!!?? And another thing they wont reply to my email or live chat. They said I can supply sufficient kyc to proof my identity and Im emailing them asking them what kyc they needed and they still wont reply to my email or anything! So who is doing fraud now? They are doing Fraud because they have my money still lend out to whoever they wont give me back my money because they know they are doing fraud and if you guys dont give me back my money I will have to file a law suit and I have all the proof I need with the complains Ive made!! And all the mail and messages and you guys will have to pay more If you dont give me back my money! I need my money!!
Consumer complaint received 2024-06-14
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: MARINER FINANCE, LLC (MD)

I took a home improvement loan for the " same as cash ''. I wen into the deal although I had a previous bad experience with the same lender through a contractor I was working with ( The financer said that I have signed the project complete and acceptable during the time frame that I was not even in the country to sign ) I figured that this time the experience will be different. But when I went to set up the Autopay in a way that I can finish the payment in the 365 days so that I do not get charged interest, I noticed the website does not do Autopay for more than the minimum payment which I found very troubling. Having to log into the account to make additional pay every time kind of defeats the purpose of " AutoPAY ''. 
About 40 days ago I called XXXX XXXX to make a bulk additional payment and also enquire about when the same as cash deal will run out because I have moved to a different state and my contract documents are not easily accessible to me. And I was told that XXXX XXXX XXXX would be the day that my same as cash deal runs out. I just called them today ( XX/XX/XXXX ) to make my final payment and close the account and I was told that my same as cash deal had expired as of XX/XX/XXXX and now I owe interest on the whole loan ( at actually 18 % even on the amount that was already paid the prior month ). I accept that it is my responsibility that I keep an eye on the contract but I Mariner could also make the whole process easier by allowing people to set up AutoPay to more than the minimum amount. It did not also look fair to me that I will be charged interest even on the money I have paid for the loan so far ( borderline predatory ). I did have a couple of conversations with office and branch manager in XXXX, MD but they did not offer resolutions that I found satisfactory.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (TX)

I applied for a loan modification a few months ago a few different times. I did not know applying more than once would affect the outcome. When my initial hardship happened in XXXX, I had contracted XXXX. I was working before I got XXXX  and then the company closed down due to XXXX so I lost that job. Fast forward to XXXX of this year, XXXX, I have a brand new job with greater pay so this change of circumstance has allowed me to now show affordability to keeping up with my payments. Please bear in mind, that when I lost my job and got further behind on payments, PHH did not allow me to make any payments which caused me to fall further behind than I needed to. Now that I am working a full time job regularly I am able to make payments. I only received 1 modification which took place early in XXXX and it has been more than a year since my last modification. It was a different hardship then as compared to when XXXX affected my job last year. My hardship was short-term as it is no longer affecting my ability to make my mortgage payments.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 2024-09-05
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. (MD)

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 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 2024-02-16
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: United PanAm Financial Corp. (MI)

I NEVER GAVE THE COMPANY AUTHORIZARTION TO REPORT MY CREDIT ALSO THEY CHARGING ME A HIGH INTEREST RATE AT 29 % STATUTE CODE 10 U.S.C 987