davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (AL)

Between XXXX and XXXX of 2023 me and my daughter played mobile games. One of those games she made some unauthorized purchases in the toon of about XXXX on this game. I realized at the end of XXXX and filed a charge back with my bank. My bank which is XXXX started and investigation for these charges after I explained situation. During the investigation regions gave me my money back to which I used it to pay bills. About 3 weeks in XXXX  closed the investigation and took the money back as they said XXXX sent them information that those purchases were made with my XXXX XXXX account and they couldn't determine if I made them or not. With them taking the money back it has caused my account to go negative so iv had to start using my second back. I understood why and was content to just leave it be, but in XX/XX/2023 I received receipts from XXXX canceling those purchases and had my kid log into the game a verified that the items she purchased had also been refunded. So I then contact XXXX who tells me nothing they can do because I did a charge back I would need to contact my bank to which I did and they tell me they closed the investigation to which i know they did due to lack of evidence I didn't make charges and that XXXX hasn't sent them any money to refund and that the only way to get my money back would be contacting XXXX which I have and they refuse to return the money for purchases that have been canceled.
Consumer complaint received 2023-01-02
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. (GA)

Involved parties Equifax equifax info services  XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Account is not mines. Was authorize user but have been removed and Im not responsible for account regardless. Equifax said they investigated it but informed me XXXX has said it was my account but that is incorrect because I have no account with them. This is negatively impacting my credit score and its hurting my credit Files and dispute with equifax in XX/XX/XXXXXXXX  on XXXX XXXX account that I was authorize user on but not anymore. 

Got results XXXX They said the account belong to me but it does not. 

Called XXXX XXXX XX/XX/XXXX they confirmed account ending in XXXX belongs to XXXX XXXX and Im not listed on account, they filled a dispute to send to bureaus Called XXXX XXXX confirmed I dont have account with them they said the sent another dispute to credit bureaus Called Equifax XXXX all they did was file another dispute, but I have no trust that they will do due diligence to investigate problem. Because its not my account and they are saying that it is Also saying XXXX verified it was mine but when I called XXXX they say i dont have a account I CANT EVEN GET INFO ON ACCOUNT BECAUSE ITS NOT EVEN MINES
Consumer complaint received 2021-01-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

We have a case pending with USAA and they are going after the identity theft and fraud for a car loan and credit card debt that happened to me XXXX XXXX and my Father XXXX XXXX under the same USAA account USAA had told us that it would be to take enough or credit and taking the care of a year or more ago
Consumer complaint received 2023-05-28
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: Bread Financial Holdings, Inc. (RI)

Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me XXXX XXXX XXXX in interest. I had settled my debt with Victoria Secret through a debt collection company named XXXX XXXX XXXX back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called XXXX XXXX XXXX and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with XXXX XXXX XXXX stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (TX)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2017-05-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: U.S. BANCORP (OK)

We received a confirmation letter on  XXXX / XXXX / 2017  from  U S Ba nk stating that the loan amount has been " fully satisfied ''. We expected that a timely receipt of a clear title would be forthcoming given that the {$58000.00} was received b y U S B ank. We have contacted th eir Consumer Loan Service  Payment weekly to no avail.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-02
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: CITIBANK, N.A. (GA)

Involved parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX CitiCards CBNA Citi XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Account is not mines. Was authorize user but have been removed and XXXX not responsible for account regardless. XXXX said they investigated it but informed me citi has said it was my account but that is incorrect because I have no account with them. This is negatively impacting my credit score and its hurting my credit Files and dispute with XXXX in XX/XX/XXXX on citi bank account that I was authorize user on but not anymore. 

Got results XXXX XXXX said the account belong to me but it does not. 

Called citi XXXX XX/XX/XXXX they confirmed account ending in XXXX belongs to XXXX XXXX and XXXX not listed on account, they filled a dispute to send to bureaus Called citi XXXX confirmed I dont have account with them they said the sent another dispute to credit bureaus Called XXXX XXXX XXXX XXXX did was file another dispute, but I have no trust that they will do due diligence to investigate problem. Because its not my account and they are saying that it is Also saying citi verified it was mine but when I called citi they say i dont have a account I CANT EVEN GET INFO ON ACCOUNT BECAUSE ITS NOT EVEN MINES
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. It seems like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person. I was also told thatXX/XX/XXXX had a breach. I am deeply concerned because I don't know if I was impacted by that also.
Consumer complaint received 2023-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

On XX/XX/XXXX I submitted a bill payment which was mailed by my bank for my monthly mortgage payment of {$1800.00} to LoanCare , LLC. I called LoanCare on XX/XX/XXXX to determine why the payment was not applied to the account to avoid the late penalty that triggered on XX/XX/XXXX. 

They claimed that they had not received the payment. I then logged in to my account approx. eight days ( XX/XX/XXXX ) later to see the payment history to see if the payment was recorded. It was not. I then logged in to my account on XX/XX/XXXX, and the payment has magically appeared with an applied date of XX/XX/XXXX. 

So LoanCare is lying about when mailed payments are arriving and conveniently applying them to the account after the due date causing late fees. It does not take 15 days for mail to go from XXXX, OH to XXXX, PA. The states are adjacent and mail takes at most three days. 

This behavior is unacceptable and fraudulent.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hey guys, on XX/XX/XXXX I got deposited sba relief loan in the amount of XXXX. I got accepted from the sba after all the pending process so I have a current contract with sba and the application # XXXX to make certain payments every month and I still dont have my funds. So I received my funds to the account so since my account is on Restriction due to the loan. I showed them proof of my loan agreement and contract details and everything and still nothing. They put it on restriction for quite some time now n they decided not to be in relationship with me anymore n close my account but before they close my account they said they have to send the loan back and it might take some time within weeks or months or so and Im still waiting and they havent sent the funds back to the sba and is like I did everything in my power to sort this all out. I already did a complaint with the cfpb.com and they sent me a letter which is in my other complaint saying they going to send the money back to the sba but they still havent at all what so ever.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (TX)

I have retrieved a copy of the early warning services report. Navy federal has shared all banking account numbers, transactions, drivers license number, addresses, checking account info with a third party non affiliates, and breach the privacy agreement with XXXX  XXXX a silent investor therefore I am unable to transact on the account and had to remove direct deposit as pursuant to the Pursuant to the privacy act of 1974 among other violations of the NCUA. pursuant to Navy federal credit union which states " Companies not related by common ownership or control. They can be financial and non-financial companies.

Navy Federal does not share with nonaffiliates so they can market to you ''. I demand a speedy response.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I am a Wells Fargo customer. My Bank account number with them is XXXX. I received a letter from them recently stating that they are closing my account due to a postal money that was deposited in my account ( copy enclosed ), which was mailed to me through USPS ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) ( copy also enclosed ), this money order appeared to be valid XXXX and the Post Office said that it looked valid as well. I deposited it, and although WF placed a hold on it, it eventually cleared. I thought all was ok with it at that point as WF placed a longer than usual hold on it. How is any banking customer even able to verify the legitimacy of any type of check anymore? You can't simply call the Bank the check was drawn on, they won't verify it unless you also have an account with that Bank. It is extremely unfair for WF or any Bank to treat a customer this way. How about working with a customer to solve the issue, and maybe actually talk with the customer to find out what occurred and try and help? I have tried repeatedly to call WF to discuss, but can't get through to the department that I need to. I sent an email, but have no response yet. I want my account reinstated ( and time given to me to try and get the party that issued the money order to make good on it ), I also would like WF to be required to pay monetary damages as well. They should not treat customers this way.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (NY)

I currently have an account with Self XXXX XXXX. I look at my Credit report from XXXX  on XX/XX/2021 and it stated by Balance decreased by {$21.00}. I then, called XXXX  to find out why my score decreased. The customer service rep mentioned she not sure why this happen it should not happen. She stated im on time with my payment and don't owe any thing. She direct me to call the FTC. I called the FTC they told me to call Self Lender. I was on hold for an hour then hung up on. 
I have no late payment with Self. incorrect inform was provide to XXXX. I been on time with my payments. My score drop 41 point because of an error. This need to be corrected.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Citi Bank sent me an advertisement via email on XX/XX/2023 offering a {$450.00} bonus if I open a Savings Account with {$50000.00} deposit. I have opened and funded the account, but never received the offered bonus of {$450.00}. 
I had a conversation with Citi representative XXXX who promised that my account would be credited. As of today, my account is still not showing the promised bonus. This could be a case of false and misleading advertising. 
Thank you
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My identity was used by someone else to open a fraudulent account. This has resulted in the following : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX I am seeking to have the fraudulent information above removed from my credit reports. I have reached out to the bureaus documentation supporting my claims but the credit bureaus are still reporting the above items.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX and I received my credit card that has been in perfect standing for 5 years was being closed today because I added an authorized user whose credit was not in good standing. By all means I do not agree with this decision of closing my card and I would like my account to continue to be open and they can not add this person to my account. This closure will impact me deeply as I am trying to refinance during the pandemic and I can not afford my credit to take such a hard hit with the closing of this card. I was told I would get a letter and can contest the decision in 30 days however I don't want to wait that long and would this to be worked on as soon as possible. The account was closed today XX/XX/2020
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have disputed a account that was one Transunion multiple times wanting them to validate the claim that was on there for a charge off account. Multiple times and one of them that had said they have verified the information and have updated it. Including " XXXX '' in my name that not once i have had. They did not do their job correctly and did not correctly validate this debt. I have been a victim of identity theft and they do not take this job seriously.
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (MO)

XX/XX/XXXX i initiated a Citibank web transfer of {$70000.00} from XXXX checking account xxx # XXXX to a Citibank savings account XXXX. On the same day, I received a Citibank email indicating that Citibank received the transfer request and I should expect to see funds in destination account within 3 business days. Also on the 3rd, I received another Citibank email confirming the transfer-with a delivery date of XX/XX/XXXX. 
On XX/XX/XXXX I checked my XXXX  checking account and {$70000.00} was debited from my account. 
On XX/XX/XXXX I received a Citibank email indicating that the funds could not be deposited into Money Market account XXXX. If the funds were held by another financial institution to contact them to have the funds deposited back into my account. 
Now the fun part. Between XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX  5 times and Citibank 6 times trying to get the funds either deposited into my Citibank savings account or returned to my XXXX  checking account. In each case I talked to many different departments and management but always end up with the same result each institution stating it is the other banks responsibility to retrieve these funds. 
Citibank could not provide me with an answer on why the transfer was not completed and because they use XXXX, a third party financial institution, for the transaction they cant request the funds to be returned. 
XXXX  on XX/XX/XXXX opened a dispute claim to investigate the issue. On XX/XX/XXXX I received a letter indicating they could not find an error in the processing of the originator instructions and considered the investigation closed. 
In summary on XX/XX/XXXX a Citibank web inter-financial transfer was initiated which resulted in a deduction of {$70000.00} from my XXXX  account but funds were never deposited in my Citibank account. Numerous attempts of contacting both institutions over a 5 week span resulted in each bank indicating that the other bank was responsible. 
If needed I can provide copies of all bank emails, account numbers and specific dates with details of my attempts of contacting both banks to resolve this issue. 
Thanks in advance for your help