davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

From XX/XX/2018 to XX/XX/2018, CitiBank was running the following promotion : 1. Open a Citibank Account Package online at https : //banking.citibank.comXXXX XXXX 2. Deposit {$15000.00} within 30 days of opening the account 3. Maintain {$15000.00} for 60 days in the account 4. Receive {$400.00} within 90 days of meeting all the requirements.

As of today I met all the requirements of the promotion and allotted the 90 days to pass and have not received my {$400.00}. Below is a summary of the actions I took to meet the terms of the promotion : 1. I opened a CitiBank Account package online on XX/XX/2018 at https : //banking.citibank.comXXXX XXXX 2. deposited {$15000.00} on XX/XX/2018 ( within 16 days of opening the account ) 3. maintained the {$15000.00} deposit with Citibank until XX/XX/2018 ( 64 days ) 4. Allowed the 90 days to pass from meeting the terms of the promotion ( XX/XX/2018 ) I contacted Citi on XX/XX/2018 and their representative confirmed I had met the bonus requirements but were not able to tell me why the bonus had not been deposited into my account. I was then informed that they would open an investigation that could take up to 30 days to complete. I informed them that they acknowledged that I met the requirements so there was no reason to wait and to deposit the funds in my account. I gave them until the end of the business day on XX/XX/2018 to provide the {$400.00} or I would file a complaint with the CPFB. 

I elected not to wait for the Bank to complete their investigation as there are several reports on the internet that Citibank uses this tactic to not pay out the bonus. In those cases, only a complaint with the CPFB has resolved the issue in a timely manner.

Below is a link of several other Citibank customers who had to file a complaint with the CPFB to get their bank bonuses : https : XXXX # comment-XXXX https : XXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXX # comment-XXXX
Consumer complaint received 2023-12-02
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. (FL)

In accordance with the Fair Credit Reporting and XXXX Acct # XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX # XXXX, XXXX account # XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States I have the right to privacy. 15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-13
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 recently found out that XXXX XXXX XXXX XXXX placed a charge off on my credit report in XXXX XXXX XXXX. However, I have never opened an account with XXXX XXXX XXXX XXXX and have tried disputing this fraud account through the credit bureaus, all of which were denied saying that " The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have filed an identity theft report about this matter and am pursuing this to erase this account off my credit report that was never mine to begin with. I have tried contacting XXXX XXXX XXXX XXXX with no help. The customer service reps are unable to provide me with any information whatsoever about this account. This needs to be addressed and looked into to see who opened an account under my identity or if this was a mistake made by XXXX XXXX XXXX XXXX. Either way, this charge off needs to be erased off my credit report as the account was not mine and it is majorly hurting my FICO score as a result.
Consumer complaint received 2023-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

XXXX XXXX XXXX When is the deadline to apply? 
The deadline to apply for a refund is XX/XX/2023.

I received no noticed that the last day to ask for a CARES ACT refund was XX/XX/23. I requested in XX/XX/2023 from MOHELA and FSA complaint and I was declined a refunded stating I applied beyond deadline of XX/XX/2023 whereas I was operating under the guidance of this public XXXX reliable source of end of XX/XX/2023. I am extremely disappointed b/c MOHELA and FSA didn't appropriately OR adequately advertise this XX/XX/23 deadline and I had full reason to believe the deadline was XX/XX/23.

THey should honor the XX/XX/23 deadline. Please help. Please help.
Consumer complaint received 2023-12-16
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. (FL)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-11-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

I applied for a payday loan with Oportunum a month ago or so.My loan was for $ XXXX.My payment biweekly is {$36.00}. I got behind on my payments.I have been harrass by numerous of phone calls per day.They need to stop. I know I owed {$300.00} but this is insane.Please help with this issue.Thanks
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/year> I contacted Midland Credit by mail requesting validation of the two accounts they are reporting on all three credit bureau 's. They have yet to respond but continue to call and threaten me with wage garnishment and law suits
Consumer complaint received 2019-11-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

Iam making a final goodwill attempt to have you clear uo this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of 15usc1681, for not properly verified the accuracy of any of the provided accounts i have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, i can pursue litigation to enforce my rights under the FCRA.. i demand my right to be acknowledged to these company immediately. 

Sincerely XXXX XXXX
Consumer complaint received 2023-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Transunion : After reviewing your response to my dispute letter of charge-off account. 



XXXX. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting. 



XXXX. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 



XXXX. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 



These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 



Im carefully tracking all correspondence with your company. 



I think 30 days should be long enough for your company to complete this investigation. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep dissatisfaction with the ongoing presence of late, closed, and charged-off accounts on my credit report, despite making repeated attempts to have them removed. This letter serves as a formal complaint regarding the handling of my credit file. 

Despite providing evidence of inaccuracies and engaging in due process according to the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful resolution to this issue. 

The inclusion of these erroneous accounts has hindered my ability to secure favorable credit terms, obtain loans, and pursue other financial endeavors. Furthermore, it has caused undue stress and frustration as I continue to navigate through this ordeal without any tangible progress. 

I demand immediate action to rectify this situation. Specifically, I request that the aforementioned late, closed, and charged-off accounts be thoroughly investigated and promptly removed from my credit report. Additionally, I expect a formal explanation for the repeated failure to address my concerns in a timely and satisfactory manner. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$200.00} XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I contacted support whenever I was unable to see my care report, and after clearing my cookies 18 times I kept telling the support professional that it did not work however, he just kept telling me to do the same thing over and over. They would not furnish me with my credit report I described how it had an accuracy, and I needed to make disputes, and I was unable to do so.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is reporting fraudulent hard inquiries, on my report that I did not authorize : 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 2018-11-19
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: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX CH-XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy XXXX CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 U.S. Code {$1600.00} c-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 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM TRANSUNION
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. 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 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (LA)

I had an account and it was over drawn I tried to call and report the fraud because I was not the one who made these transactions and Wells Fargo charged me Alot of over draft fees and closed my account. They didnt do anything but close my account now I have judgments on my credit and Ive been getting billed!
Consumer complaint received 2023-01-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

Yes I have previously filed a complaint with this company stated they reinserted XXXX XXXX that was removed from my credit report. This was XXXX XXXX. They assured me that wasn't the case. However upon pulling my credit report they did re-insert XXXX XXXX account. Without written notification. This is a FCRA violation and my attorneys will be collecting for all violations.
Consumer complaint received 2018-11-18
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. (FL)

i have a XXXX XXXX rewards card on XX/XX/XXXX i made a payment of {$100.00} for XXXX payment. On XX/XX/XXXX i made an payment of {$1000.00} for XXXX 's payment with a due date of XX/XX/XXXX. On XX/XX/XXXX i mad a {$300.00} payment for XXXX 's payment. less than five days after the XX/XX/XXXX due date. So i was very surprised when i found out that XXXX card reported that missed XXXX 's payment because the payment was made on XX/XX/XXXX and not after XX/XX/XXXX which would actually make my payment late and being charged a late fee. after contacting XXXX card their response that i paid before XX/XX/XXXX so my payment was allocated as an additional XXXX payment instead of the XXXX payment in which was actually paid for. How can i make on time payments when i have to wait until after the due date for them to count as an payment for that month. I have continued to make my payments in this same manner and have not had problems with any other creditor including XXXX. so now XXXX cars say i was late 30-59 days for XXXX since i made my payment after XX/XX/XXXX. Looks like the rules on allocation change from day to day and month to month. After showing payment proof to credit reporting agencies no changes have been made and my credit score is still reflects a 60-70 point drop because of this very bad case of inaccurate reporting i this killed my chance of home ownership a year ago. today the interest rates continue to rise along with home values as well. this has been and is proven still to be a very costly action against me on the behalf of XXXX 's false reporting 0f a 30-59 day missed payment. If not for that would i have an perfect payment history. and i should still.if you research my credit report and their correspondence you can see the how they made changes to cover up their mistake