davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (GA)

I opened a US Bank Smartly Checking Account on XX/XX/XXXX with promotional code XXXX applied. 

The terms are as follows : Get {$400.00} if you complete XXXX or more direct deposits totaling {$5000.00} or more within 90 days of account opening. 
Bonus offer is available starting XX/XX/XXXX. 
Bonus offer ends on XXXX XXXX, XXXX. 
Bonus Details : A minimum opening deposit of {$25.00} is required. 
Complete these steps within 90 days of opening your new XXXX checking account in a branch, online or over the phone : Enroll in online banking or the U.S. Bank XXXX XXXX. 
Complete XXXX or more direct deposits. 
Bonus will be credited to your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank XXXX XXXX as long as your account is open and has a positive balance. 
To have the promo code automatically entered for you in the application process, use the link above. If you apply for your checking account on another page, you'll need to enter the promo code manually. 
Offer is not valid if you or any signer on the account has an existing XXXX Bank consumer checking account, had a U.S. Bank consumer checking account in the last XXXX years, or received other U.S. Bank bonus offers within the past XXXX years. 

I opened the account with the {$25.00} required deposit. 
I enrolled in online banking the same day. 
I have not had a US Bank account in the past XXXX years and I have never received a US Bank bonus. 
I received employer direct deposits totaling {$5000.00} or more on XX/XX/XXXX ( within the XXXX requirement ) I first called after meeting the criteria on XX/XX/XXXX to inquire when I would receive the bonus. I was told it would post within XXXX weeks from XX/XX/XXXX. After XXXX weeks passed and I still hadn't received the bonus, I called again. I was told to wait several more weeks. 
I spoke with multiple representatives since XX/XX/XXXX inquiring when I would receive the bonus and received different information regarding the date the bonus would be paid. All representatives confirmed I met the eligibility and would receive the bonus. After XXXX days had passed since my meeting the eligibility on XX/XX/XXXX, I called US Bank again on XX/XX/XXXX to inquire why I still hadn't received the {$400.00}. I spoke with XXXX who also confirmed I am eligible. He escalated my issue to XXXX XXXX ( XXXX, XXXX ). XXXX called me the same day and stated that I was not eligible and there was nothing they could do. Due to the inconsistencies, lack of customer service, and failure to honor the promotion, I called on XXXX to close my account. I have met the eligibility per the terms and request US Bank honor the terms and issue the {$400.00} I am owed in the form of a check, prepaid XXXX XXXX or XXXX, or to my XXXX.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by XXXX XXXX XXXX I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that XXXX XXXX XXXXXXXX is acting compliant and will provide the due care towards its own wallet-holders, my legal representatives from XXXX XXXXXXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Foris DAX Inc. Unfortunately, as of the date of this complaint, XXXX XXXX XXXXXXXX  has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, XXXX XXXX XXXX failed to provide the required information about the XXXX  hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doingXXXX XXXX XXXX XXXX does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from XXXX XXXX XXXX represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

Original loan in XXXX was a XXXX loan through XXXX XXXX. About XXXX was called by Great Lakes to " refinance the XXXX loan with total debt forgiveness in XXXX  years '' ( Obama 's forgiveness plan ). That never happened. Repeated calls to this company have been ignored. The loan is now being serviced by NelNet.
Consumer complaint received 2024-09-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

Dear CFPB Team, I am seeking assistance regarding a dispute involving fraudulent charges on my account. On XX/XX/2024, I received a letter from XXXX XXXX XXXX indicating that, as of XX/XX/2024, I owe {$900.00} for two unauthorized transactions. 
I have taken the following steps to address this issue : Disputed Transactions : I have attached receipts for the XXXX fraudulent purchases in question, as well as the debt collection notice. 
Police Report : I reported the fraud to the XXXX XXXX Police Department, and the incident number is XXXX. I am currently awaiting a formal police report number. 
Fraud Case with Citibank : I have notified Citibank and opened a fraud case. The case number assigned by Citibank is # XXXX. 
Despite these actions, the issue remains unresolved. I would greatly appreciate your assistance in helping to expedite the resolution of this matter and ensure that the fraudulent charges are removed from my account. 
Please let me know if you require any additional information or documentation from my end. 
Thank you for your time and assistance.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

After Chime randomly banned my account on XX/XX/year>, I eventually received a refund check for a balance of {$810.00} on XX/XX/year>. However, the extra {$540.00} that was refunded to my " closed '' account from XXXX on XX/XX/year> was missing from the check. I called Chime multiple times and told them that I had made a transaction on XXXX through XXXX, and made them aware the refund was successfully processed back to the account I had no access to. However, they offered me no resolutions and would only tell me they no longer had access to the account and the funds would bounce back to my XXXX within 3-10 business days. That proved to be false and Chime refused to issue me the money that was refunded and also to provide bank statements that would make tracing the funds possible. Chime has already made the past month of living very difficult for me and I want every cent I worked hard for. Attached are chat monologues with XXXX and the transaction made with my Chime Card.

*This is a new complaint not a duplicate*
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

The fraudulent, inaccurate, and misleading information on my credit report persists unresolved despite my numerous attempts to address it. The presence of these items has profoundly impacted my life, causing me significant stress and anxiety. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX {$9600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Balance XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  DEALER XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-11
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: SYNCHRONY FINANCIAL (AZ)

This is my second CFPB trying to resolve this issue with the same purchase. XXXX provided a credit but the same day they closed the complaint with the cfpb they removed the credit now showing the charge again {$300.00}.
Consumer complaint received 2024-06-14
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: SYNCHRONY FINANCIAL (VA)

PayPal and or Synchrony Bank says a computer purchased on XXXX XXXX the amount of {$2100.00}. Was charged. So an investigation was started due to me calling when it came to my attention on my XXXX or XXXX statement. At this time I am asking PayPal for the statements for the year per XXXX XXXX  Advice. However, Synchrony bank has opened and closed this investigation on XX/XX/XXXX, not in my favor XX/XX/XXXX not in my XXXX, XX/XX/XXXX, not my favor, XX/XX/XXXX, not my favor, XX/XX/XXXX not my favor, and XX/XX/XXXX they completed the investigation. However on the month of XX/XX/XXXX I had Identity theft. I sent them all of the paper work including a police report from XXXX financial from XXXX where they broke into my phone I no longer have my PayPal account it was shut off immediately. I paid to have @ XXXX to XXXX pages of proof of identity theft from XX/XX/XXXX sent to them and they r trying to say I bought this computer. XXXX XXXX is now involved and told me to make this complaint.my family r military veterans my husband is XXXX XXXX and it is terrible we have to fight this for XXXX year now.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I opened an account by the name of XXXX XXXX XXXX XXXX with a wells fargo representative in XXXX XXXXXXXX XXXX, on or around XX/XX/year>, the representative told me they would send me a debit card so I can use it at an ATM to make deposits on the go. They stated they would wait and not penalize me for the wait for receiving my account information. I waited for but never received this debit card, Meanwhile Wells Fargo began to charge my account for inadequate balance and eventually closed my account.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGL Associates, Inc. (MD)

The caller identified themselves as RGXXXX associates and left a number and asked me to call them. I then XXXX  the company and discovered it was the same collection agency that keeps calling my number. I requested the name of the debtor and they did not. The last time I spoke with this company, which was approximately over a year ago, I asked them to stop contacting me.
Consumer complaint received 2024-06-14
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. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-09-13
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)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Upon reviewing my credit report again, I discovered incorrect information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaus to validate these accounts. It is not permissible to leave these accounts unverified without providing proof within the legally specified timeframe. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$360.00}
Consumer complaint received 2024-09-07
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (IL)

XX/XX/XXXX Window purchase agreement executed with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
XX/XX/XXXX Window purchase posts on Synchrony Bank/Lowe 's Reward Credit Card XXXX 
XX/XX/XXXX Installation failed inspection of XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Chargeback dispute filed with Synchrony Bank/Lowe 's Reward Credit Card XXXX 
XX/XX/XXXX XXXX filed with Illinois Attorney General on failed warranties. 
XX/XX/XXXX XXXX XXXXLowe 's agrees verbally/written to compromise on dispute. 
XX/XX/XXXX XXXX is Lowe 's will stop fight if Synchrony posts {$5500.00} chargeback credit. 
XX/XX/XXXX Synchrony Bank/Lowe 's Reward Credit Card posts {$5500.00} chargeback credit. 
XX/XX/XXXX Sent XXXX XXXXLowe 's an email that credit posted and dispute is resolved. 
XX/XX/XXXX XXXX XXXXLowe 's sent email accepting chargeback and stopping all work. 
XX/XX/XXXX Synchrony Bank/Lowe 's Reward Credit Card sent a chargeback reversal. 
XX/XX/XXXX Re-opened dispute with Synchrony Bank stating the case should be closed because XXXX XXXX 's accepted the resolution agreement. The credit card dispute began XX/XX/XXXX and the dispute has aged well beyond 60 or 90 days.
Consumer complaint received 2024-06-14
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. (MI)

As per 15 USC 1681, consumer reporting agencies must comply with certain guidelines to ensure the accuracy, fairness, and privacy of consumer information. It is my understanding that without my explicit written consent, the agency should not have disclosed any of my personal data or obtained any credit information about me.
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (TX)

I am writing to formally complain about the failure to address inaccurate information on my credit report, specifically regarding the date of last activity, date opened, and date last reported. Despite your claim that the account in question has been verified, the inaccuracies remain unchanged on my report. 

I request that this incorrect information be corrected immediately, or that the account be removed from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

The CFPB investigated my complaint against LVNV Funding, LLC. LVNV Funding submitted a letter to me through CFPB stating they were to remove their entry off all my credit reports. I submitted the signed letter from LVNV Funding , LLC to  XXXX Credit Reporting Agency to ensure removal of this entry as proof. On XX/XX/2019, I received my dispute results from XXXX and the status remains unchanged. According to the XXXX  results, LVNV Funding, LLC sold this debt to another company. They DID NOT remove the entry from my credit report.