davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (GA)

Bank inactivated my account since XX/XX/year> saying I didn't have any activity on my account in the last two years despite me depositing funds online yearly. They say I have to physically go to the ATM to withdraw money or go to their branch, but there is no branch in GA for Citibank and I don't need to go to ATM to withdraw any money because I was using this bank account as a savings account to grow interest. They have blocked me from accessing my funds despite my sending them the required documentation they requested multiple times to have it reactivated and unblocked.

I have sent them the letter multiple times, with final attempt corresponding to postal tracking info that they also confirmed was received ( USPS tracking # XXXX, with delivery date of XXXX ). I was told it was escalated to their team to unblock my account early XX/XX/year>, and that the account would be unblocked in 7-10 business days but it is still not activated or unblocked. When I called in again for an update on this, I was told they didn't receive the letter and they wanted me to resend the letter again. I've paid to send the letter multiple times with tracking and I'm not about to pay for it another time when a previous agent already looked up the tracking number and confirmed they received it. 

I've talked to multiple customer service agents and even emailed their Citi Executive Response Unit XXXX to no avail. They keep asking for the same thing I have done multiple times ( send in a letter with the required info to reactivate/unblock my account ), saying they are working on it but every time I call in they keep asking me to repeat the issue and no updates or response are available. I've repeated myself many times on what the issue is and they keep opening and closing reference numbers assigned to this issue with no resolution and just keep going in circles. I told the agent my call info and history should be recorded and she said she was going to read the history and do some research, but I still have not heard back and they won't email me or give me updates recorded in email or via phone call. For example, there were at least 4 phone calls to their customer service center prior to me finally asking them to provide me with a reference # because I kept having to repeat myself and the history of the call info every time I reached out to them. The reference numbers created for this issue is XXXX and then they recreated another XXXX XXXX for the same issue. Agent won't provide updates in email or letter and won't call to provide updates. I'm left not knowing how to access my hard-earned money although I can log on to my account online, I can't transfer or initate any transactions from the account. It seems I can still deposit money to the account though, but it won't let me withdraw money. I have stopped depositing money into my savings account because I can't get money out when I do need it!
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

In XX/XX/XXXX, check # XXXX was received by XXXX. In XX/XX/XXXX the loan was transferred to XXXX/Shellpoint XXXX XXXX # XXXX employee at XXXX confirmed by phone that # XXXX was received and transferred to Shellpoint on XX/XX/XXXX at XXXXwith a confirmation number # XXXX. After lengthy telephone calls, emails of check copies and bank statements, and certified mailings, on XXXX of XXXX, XXXX XXXX XXXX of XXXXShellpoint claims they have no record of check # XXXX. 
Upon examining cashed/deposited check # XXXX ii appears that someone hand signed the check and took the funds after the company received my money. They have a fiduciary responsibility for correctly and efficiently processing my checks. That did not happen and XXXX/Shellpoint has damaged my credit score, accumulated late fees, XXXX  me over the phone with Saturday morning phone calls. On two occasions they were asking for money. When I checked my account I saw they had already deposited the funds they were asking for. They have lied to me on several occasions and upon reporting this to XXXX XXXX his response was " we have to better train ouir representatives. '' They are not taking responsibility for losing my money and instead blame me.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Dear Synchrony and CareCredit, and CFPB, I am writing to formally address the inaccurate and unjust reporting on my credit report. During a period when I was experiencing a medical emergency, specifically related to XXXX, and dealing with compromised bank accounts due to suspicious activity, I communicated these circumstances to your company. I was assured that these issues would be addressed promptly, and any delinquency remarks on my credit report would be escalated and rectified. 

To my surprise, upon reviewing my credit report over the weekend, I discovered late payment entries on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I find this situation deeply concerning as I believe I made timely payments upon receipt of my statements. It is possible that some statements did not reach me during this tumultuous period. 

Given the extenuating circumstances surrounding my medical emergency and financial challenges, I urge your immediate attention to rectify these inaccuracies. These late payments are unjustified and are negatively impacting my credit profile, potentially affecting my financial opportunities. 

I kindly request the following actions to be taken swiftly : Removal of the late payment entries for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
XXXX and adjustment of my payment history to accurately reflect my payments during the mentioned periods. 
Confirmation that all late payment remarks associated with my account are expunged from my credit history. 
I emphasize that these inaccuracies not only undermine the agreed-upon assurances but also constitute violations under relevant consumer protection laws, including provisions of the Fair Credit Reporting Act ( FCRA ). It is imperative that these issues are resolved promptly to restore the accuracy and fairness of my credit report. 

I appreciate your prompt attention to this matter and expect a resolution that reflects the integrity of your commitment to consumer rights and fair credit practices. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (AZ)

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. 

Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with Citibank, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Consumer complaint received 2024-07-04
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: Bread Financial Holdings, Inc. (MD)

I am writing to bring to your attention the issue of unauthorized hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act, any hard inquiries that were made without my request are eligible for removal from my credit report. 

I kindly request your prompt assistance in removing this unauthorized hard inquiry to restore the accuracy and integrity of my credit report. Your cooperation in resolving this matter expediently would be greatly appreciated.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-07-04
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: TD BANK US HOLDING COMPANY (MD)

I am writing to bring to your attention the issue of unauthorized hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act, any hard inquiries that were made without my request are eligible for removal from my credit report. 

I kindly request your prompt assistance in removing this unauthorized hard inquiry to restore the accuracy and integrity of my credit report. Your cooperation in resolving this matter expediently would be greatly appreciated.
Consumer complaint received 2024-07-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Bank of America denied a fraudulent charge on my credit card for {$3500.00}. The purchase was made with an online vendor I have never used before in my XXXX  years as a Bank of America customer, in an amount of money grossly outside of my usual travel budget, for services that I clearly did not utilize - based on documents submitted to BofA by the vendor themselves. This was an obvious case of fraud based on the fact the purchases used a clearly suspicious email address that has no association with me, and the room which was purchased through this vendor was used by someone of a different name. Further, Bank of America initially gave me a refund in the amount of the fraudulent charge and sent me a new credit card to replace the compromised account, making me think the issue was resolved. Bank of America never informed me via phone or other means that the investigation was ongoing or that I should submit further evidence to corroborate the fraud. I did not know that my claim was denied until the {$3500.00} was re-charged to my account over a month later on XX/XX/year>. I had to speak with three different service representatives before I could get the fraud claim re-opened, and I still await resolution of the issue.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

My account with Citibank was closed without notification or explanation on XX/XX/year> after being loyal customer of about 14 years with no history of bounced checks, limit violations, or any other compliance issues. I checked my account during the morning with no access or balance discrepancies. I had a checking account with about {$3300.00} and a savings account with about {$2.00}, XXXX. I'm on XXXX XXXX XXXXXXXX and my funds are locked up at Citibank for 30-60 days making it impossible to pay my bills. I also paid my life insurance with bill pay and it hasn't cleared for another {$300.00}.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (MD)

The Company violated my privacy and consent by submitting late payments to my credit report. 15 USC 1666b states : ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (NY)

I was out of the country almost XXXX  years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX  on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see XXXX hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

I am writing to formally address an urgent issue regarding an account reported by your institution that is erroneously listed as delinquent on my credit report. I have attempted to resolve this matter by contacting the Citi Bank multiple times through both email and letter, but I have not received any satisfactory resolution. 

I have no knowledge of ever applying for or holding a credit card with your bank. Moreover, I have been a victim of identity theft, which I have informed your institution about. I recently spoke with a representative from your bank who confirmed that there is no account under my name within your records. 

Given this, I request that your bank immediately contact the credit bureau to have this inaccurate information removed from my credit report. This incorrect entry is not only affecting my credit score but is also jeopardizing a potential future job for which I am currently undergoing a background check. 

The furnishing of this inaccurate information is severely impacting my financial and professional life. I urge you to rectify this mistake promptly by ensuring that the credit bureau deletes this erroneous account from my credit report immediately. 

Please treat this matter with the utmost urgency and provide written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
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: SYNCHRONY FINANCIAL (MO)

On XX/XX/year> I attempted to attach my XXXX credit card to my PayPal wallet via the PayPal app to make a secure purchase. While attempting to attach my XXXX credit card to my PayPal wallet, PayPal asked me to verify my personal information. After I entered my personal information, I received a notification from PayPal congratulating me on my new PayPal credit card. I immediately contacted PayPal who confirmed that PayPal ran my credit, and was granted their credit card. I had no intention of applying or obtaining a PayPal credit card. PayPal transferred me to Synchrony Bank, at which time I immediately canceled the PayPal credit card, and asked them to take off the hard inquiry on my credit report. The Synchrony Bank representative canceled my PayPal credit card and informed me that a letter would be sent to the credit bureau to remove the hard inquiry off of my credit report. 

On XX/XX/year> I received correspondence from Synchrony Bank informing me that the hard inquiry would not be removed off of my credit report. ( See attached letter )
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

I am writing to formally address an urgent issue regarding an account reported by your institution that is erroneously listed as delinquent on my credit report. I have attempted to resolve this matter by contacting the Citi Bank multiple times through both email and letter, but I have not received any satisfactory resolution. 

I have no knowledge of ever applying for or holding a credit card with your bank. Moreover, I have been a victim of identity theft, which I have informed your institution about. I recently spoke with a representative from your bank who confirmed that there is no account under my name within your records. 

Given this, I request that your bank immediately contact the credit bureau to have this inaccurate information removed from my credit report. This incorrect entry is not only affecting my credit score but is also jeopardizing a potential future job for which I am currently undergoing a background check.

The furnishing of this inaccurate information is severely impacting my financial and professional life. I urge you to rectify this mistake promptly by ensuring that the credit bureau deletes this erroneous account from my credit report immediately. 

Please treat this matter with the utmost urgency and provide written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

Unable to use my gift cards for any online purchases. Tried on newegg, XXXX XXXX, XXXX, XXXX. All transactions come back and say that the transaction was denied by issuing bank. 

I filed an earlier complaint through CFPB and was this was successfully resolved by receiving a check in the full amount of the balance. That previous complaint number was XXXX, but I have additional cards that are also unuseable with the above vendors. I am seeking the same resolution for these cards as I received before. 

Here are the all the card numbers and their balances : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$13.00} ( card started with a {$100.00} but has been charged a $ XXXX  monthly fee since issuance. Card has never been used ) XXXX XXXX XXXX Balance : {$13.00} ( card started with a {$100.00} but has been charged a $ XXXX  monthly fee since issuance. Card has never been used ) Total Due : {$820.00} or {$1000.00} if issuance fee on the last two cards is waived.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.