davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (IL)

Citi bank had a promotion to open an new account. 
On XX/XX/XXXX, I opened the checking account for {$1000.00} and the saving account for {$49000.00}, total of {$50000.00} to be Priority costumer. 
They said keeping {$50000.00} for 60 days is eligible to get a cash reward of {$700.00}. 

After opening those accounts, I received the letter to tell that I have to submit my ID and a proof of my current address. On XX/XX/XXXX, I faxed my Driver 's license copy and one of my monthly payment which shows my address. 
After this, I received the application booklet in a mail. I applied it by faxing on XX/XX/XXXX. 
They told me to check my states calling the costumer service. I did few times, on XX/XX/XXXX, XXXX and more. One of my conversation with them, I made sure when the cash will be delivered and when I can move the {$50000.00} to a CD. They said the rewards will be after 60 days and I can move them to the CD after 90 days. 
I received the check book and the debit card some time later. I didn't activate the card right away but I did it on XX/XX/XXXX. On XX/XX/XXXX, I receive an email telling I am not qualified to receive the {$700.00}. I called next day on XXXX three times to get a right person who takes care of this matter. They explained I am not qualified because the transaction of money was on XX/XX/XXXX.It was required to do in 30 days after opening the accounts to be eligible. I talked with the supervisor, XXXX, on the phone to explain that all process were handled by them. It was not I could control of speeding up. My calls I made during the process, none of them made encouraged me to do faster. They know the time when they transfer money was already exceeded 30 days but they kept my money for 60 days. 
XXXX was nothing but robotic to talk to me. I said to her that you should shame of yourself working at this bank operate a scam.I got so frustrated to be treated this way so I cancelled my accounts at this moment on the call with XXXX and I got money back on XX/XX/XXXXwith interest of {$9.00}. 
I was under big shock being treated by big as Citi bank. I never had any experience awful as this in my whole life. 

Their address in envelop is : Citibank Citibank Client services XXXX XXXX XXXX XXXX XXXX, TX XXXX Other address : Citibank, N. A Atten : Citi Priority XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This call came from ( XXXX ) XXXX. I called the number back and when I tried to get specific information the person kept hanging up on me. She wanted credit card information over the phone without me being able to verify anything. I called back at least three time to get more information and when I asked specific questions she kept haning up on me. The collections was supposedly for a capital one account. I have never received anything from them concerning this matter.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received a statement in the mail from Bank of America XXXX XXXX XXXX XXXX, DE XXXX with customer service number listed as XXXX. It stated that an account was opened in my name and address. I did no such thing.
Consumer complaint received 2023-09-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

In XXXX XXXX  XXXX my statement said next payment due was XX/XX/XXXX. I called them to confirm that this was correct and they said yes. I none of my statements every showed anything past due. When I wanted to make a deposit into my escrow they accidenttally processed it as a payment. I had them reverse it, now all of a sudden they claim I am two months past due and need to pay right now. My spouse had to file bankruptcy XXXX years ago and just becaus she was on the deed as a resident they took toal advantage. Now my spouse is ready to discgare here bankruptcy they are coming back for on last pay day. Please do not work with company they operate in a very unprofessional manner, I feel like i need to operate through an attorney at all times when dealing with them.
Consumer complaint received 2023-09-12
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: WELLS FARGO & COMPANY (PA)

Following inquiries, were never applied to from me, XXXX XXXX XXXX XXXX XXXX XXXX ) WF Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WF card SvcXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Claimed XXXX, did reaffirmation of loan made all payments on time paid off early and they they report to credit bureaus all three as a charge off. Sent my credit score into the tank, lowered my credit score lower than when I claimed XXXX. This credit union is out for a very unfair vengeance. Other creditors did proper reporting but not this credit union. You get absolutely no help at all.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-09-11
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP (NY)

Forster and garbus keep contacting me regarding a debt that I do not owe on. That paper was purchased after the original loan company was dissolved for illegal practice. Now they are threatening to garnish my wages.
Consumer complaint received 2023-09-11
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: 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.

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 2024-04-02
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. (OH)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2022-12-08
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. (FL)

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts I found on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : 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 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 XXXX XXXX XXXX XXXX XXXX  Balance {$1700.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-23
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (NY)

I have a received a large sum from XXXX XXXX. I am uncomfortable with the money staying on the card due to the app and website for the card seems never work and takes numerous try to even check my balance. I have been trying for days to withdrew funds and it keep getting an error of insufficient funds even though I have more than enough cash on the card. I have tried calling numerous times but they made impossible to pass the automated system
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In 2015 I refinanced my home from XXXX on a 30 year 4.2 % ( {$980.00} apx payment ) to a loan to my bank at USAA on a 15 year ( 2.8 % ). The estimated payment to the re-financed loan was provided to me at {$1500.00}, and just three months into the re-financed loan I received an " Annual Escrow Account Disclosure Statement '' showing that the company failed to include {$6200.00} amounting to a change of payment from {$1500.00} to a new payment of {$2000.00} ( which is a very significant increase ). There were numerous additional problems in securing the loan that I reported to USAA 's executive resolutions department including it taking over 8 months to lock in a loan rate, identified by USAA to be numerous lost opportunities. This feels like a " bait and switch '' in which I would never have agreed to a {$2100.00} mortgage.
Consumer complaint received 2023-04-20
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. (MA)

On my credit report I see an open credit card through XXXX XXXX with an active balance of {$700.00}. I tried to dispute this account as I had no knowledge of the account and XXXX XXXX did not accept the dispute. Dispute filed on XX/XX/XXXX  through Experian.
Consumer complaint received 2022-12-06
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. (NV)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have these accounts corrected : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

, there is information that is on my consumer report that is a result of IDENTITY THEFT. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-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 the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-03-10
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. (VA)

last month i applied for a mortgage because i wanted to buy a house, i was denied because of a low credit score. I was confused because i really don't use my credit often.The mortgage broker gave me a copy of my credit report. I reviewed the credit report and noticed several fraudulent accounts. i contacted the bureaus and they requested the normal ID, social security and a utility bill. after a couple weeks i got confirmation that they where not going to remove them. I am so confused, thats why i am here.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (UT)

I opened an online savings account at XXXX on XX/XX/2023. My account has been restricted and frozen since I opened it and transferred money into it. Ive asked multiple time when this will be resolved and why it happened. The only response is that it is being looked at for fraud and that there is nothing else they can do and they cant tell me when it will be resolved. I transferred over $ XXXX and now its stuck in limbo and I dont know what else to do. I cant transfer money, withdraw money, use debit card, etc.
Consumer complaint received 2023-06-14
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. (OH)

The company, XXXX XXXX has been very uncooperative with communication. I have emailed and called with out a response. I have paid my debt in full, and they refuse to update my account. My account became late due to technical issues on the app, of which I attempted contact with the company and the attempts were unsuccessful. I have proof that the account was paid, but it still is reported on my credit reports ( XXXX, Equifax and XXXX ) as unpaid, charged off with inaccurate late payments. I have disputed with the credit agencies as well, and they have not been able to show proof that they have verified the debt.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-11
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. (NJ)

I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the XXXX location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The manager at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of XXXX for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue.
Consumer complaint received 2024-04-25
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: CITIBANK, N.A. (CA)

BACK IN XXXX  XXXX  CREDIT CARD WAS STOLEN AND THE THIEF HAS MADE CHARGES ON THE ACCOUNT, AS SOON AS I FOUND OUT I IMMEDIATELY CONTACTED CITI BANK AND REPORTED AS FRAUD. I REQUESTED A NEW CARD. THEN CITI BANK DECIDED THAT THE CHARGES ARE NOT FRAUD, I A MNOT REALLY REALLY SURE HOW THEY CAME TO THAT DECISION, BASICALLY SOMEONE SITTING BEHIND A DESK DECIDED THAT THE CHARGES ARE NOT FRAUD, THE CHARGES ARE FRAUD SINCE MUCH OF THE CHARGES WERE MADE OVERSEES IN OTHER COUNTRY 'S AND ALSO HERE IN THE UNITED STATES, IT COULD NOT HAVE BEEN MINE SINCE AT THE TIME MY MOTHER WAS XXXX XXXX IN THE HOSPITAL XXXX XXXX XXXX XXXX AND I HAVE PROOF OF THAT. I HAVE MANY TIMES CONFIRMED WITH CITI BANK REPRESENTATIVE WHICH CHARGES ARE NOT MINE, AND THEY HAVE ASKED ME TO SEND THEM A WRITTEN STATEMENT WHICH OF COURSE I HAVE DONE. THERE IS OVER {$10000.00} CHARGES THAT ARE FRAUDULENT. THIS IS DISCRIMINATION AGAINST MYSELF AND AGAINST MY CREDIT PROFILE. I HAVE GONE TO SMALL CLAIMS COURT AND THEY ARE DENYING MY CASE WITHOUT ANY NORMAL REASON, IT ALL BASED ON ASSUMPTION. I NEED TO KNOW WHO IN THEIR RIGHT MIND WOULD PAY FOR ITEMS OR SERVICES THAT WERE DONE FRAUDULENTLY.
Consumer complaint received 2023-09-11
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. (NJ)

I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the XXXX location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The manager at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe XXXX XXXX. I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of XXXX for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue.