davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I applied for the BBVA Select credit card under a " double points '' sign up bonus promotion that was running in XXXX. My application documents were completed and signed on XX/XX/XXXX. BBVA had internal submission issues that day and so my documents did not get processed immediately when they were completed ( reference attached email string page 2 for verification of these facts, email dated XXXX XXXX, XXXX ). 

Over that weekend, the " double points '' sign up bonus promotion was pulled early, however I was assured that since my application was completed prior to the promotion being pulled, the promotion I applied under would be honored ( reference same attached email string page 2 for verification of these facts, email dated XXXX XXXX, XXXX ). 

I completed the required spend for the sign up bonus, and the bonus I received for it was half of what I was expecting - basically I did not received the " double points '' bonus which I had signed up for. I notified BBVA of this issue on XX/XX/XXXX ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

I followed up to that email on XX/XX/XXXX since I had not received a response ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

I received a response on XX/XX/XXXX indicating that this was going to be investigated ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

To date I have not received the " double points '' bonus I signed up for under the promotion. I also have not received any further notices from the bank to indicate that they have looked into my issue or are looking into my issue. I followed up on XX/XX/XXXX as well as XX/XX/XXXX requesting an update but did not receive any response ( reference page 3 and 4 of email string for verification of these facts, emails dated XX/XX/XXXX and XX/XX/XXXX ). 

Since BBVA is no longer responding to my inquiries, the issue has not been resolved, and I have no way of knowing if it is even being investigated at this point, I am opening up this complaint to force a response from the bank.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NJ)

There are two XXXX XXXX report the oldest one was mine I never opened another one in XXXX that is fraudulent also I was I. Touch about the Macys charge on my report I do not have a Macys charge someone must have had my info and opened it I had an argument with Macys about this last year and its still on my report. My XXXX XXXX  accounts Im on a payment plan none of these credit reports are right
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax was criminally negligent in protecting my personal identifying information, which was exposed during the recently announced security breach affecting 143 million consumers. This has the potential to cause irreparable harm to my credit, along with hundreds of millions of others. There is no way to guarantee that this information will not be used in future cases of identity theft, which will thus require strict life-long credit monitoring for fraudulent activity at my own expense. The damage that can occur if I am the victim of identity theft due to this data breach is enormous, and the consequences devastating.
Consumer complaint received 2023-07-08
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: EQUIFAX, INC. (NY)

I, XXXX XXXX a living breathing man looked at a copy of my consumer report on XX/XX/XXXX, and noticed an unauthorized account on my file. I sent out a notice to dispute letter on XX/XX/XXXX, and equifax received it XX/XX/XXXX, I then got generated response by equifax saying its verified with out any evidence on how they verifed the information or how it is accurate. This isnt fair to me the consumer on how they went about the investigation. I recently been getting denials and Its been causing me XXXX XXXX. furthermore its pure identity theft pursuant to 15 usc 1681b ( 2 ), I never gave Equifax any written consent to furnish ( XXXX XXXX, account number XXXX ) on my consumer report. Neither did i give XXXX XXXX written consent to report it. This makes me a victom of identity theft pursuant to 15 usc 1028a. Delete this account or your company is violating the FCRA block of information section 15 usc 1681c-2. I have specified my remedy in good faith. These companies have cause defamation to my character, I have not been able to get an Apartment, causing me to be homeless for months. This account is not related to any transaction by me the consumer.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/    OAG CHILD SU  - Account #  XXXX
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/ OAG CHILD SU - Account #  XXXX
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I tried to log in and make a payment on my credit card. I was given an error message when I attempted to log in. It stated that the website was currently unavailable and to try again after XXXX XXXX est. I was able to make a payment the following day and subsequently called to have the late fee removed and was told late fees are not removed. I know this is false because I have had a late fee removed in XXXX of XXXX. Generally you are allowed one every calendar year. Instead of attempting to refund the late fee, supervisor XXXX XXXX employee id # XXXX XXXX argued with me stating the website was never down and that customer service is XXXX XXXX which is false. I was unable to use the pay as guest feature because I do not have a physical card, therefore I can not enter a card number. I also receive XXXX statements which do not list your full card number. You also need to log in to view said statements. Again the site was down and would not allow me to log in. I would like the {$39.00} fee for my {$42.00} payment to be removed. My account is and has been in good standing.
Consumer complaint received 2017-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC (AZ)

XXXX / XXXX /  XXXX  , {$1200.00}, mailed certified debt verification letter to collection company, no response as of yet. Collection company is not licensed to collect in the state of Arizona.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings (WI)

On XXXX XXXX received alert from XXXX XXXX of new account. After I noticed a drop in credit score I was looking for the account. The account was speedy cash an was started in XX/XX/2021. I never applied for loan or received funds. After I put freeze on my credit I contacted speedy cash. They told me a loan was taken but banking account was different. The banking information didn't match I made them aware of my bank of 14 years. They advised me to file a report with my local police. I went to my local police. They informed me I need to file a report with FTC they don't create report for identity theft. I inform speedy cash they sent me affidavit to get notarized.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

Recently received correspondence from CITI following my most recent complaint about this account. The response by their complaint specialist was not true as it relates to my credit reporting for this account. This account continues to report a balance of {$3.00} and per CITI 's guidance I have reached out to all three credit bureaus. Each have confirmed they are reporting the balance that CITI provides and they are not able to report a balance on this account. This is not a credit bureau issue, it's a CITI Cards issue. All three credit bureaus informed me to contact CITI in regards to this balance. Please refer to my attached credit report from XXXX and see page 45. XXXX is reporting a balance on this account. Since then, my XXXX  and XXXX credit profiles has updated to report a balance. After disputing each of them, the balance will reflect to {$0.00} for a few day and then will update again. 

To note, the representatives with the recovery department ( including first line workers and managers ) continues to provide inaccurate information regarding the details of this account. I have called their department multiple times this months and I've been told they can not discuss the balance ; yet, multiple representatives have told me there is a current past due balance for this account and have asked for payment. Recently, I received a letter in the mail dated on XX/XX/2021 ( which is attached to this complaint ) stating CITI has requested all three credit bureaus to delete this account from my credit report. This letter was from an internal dispute through their credit dispute department submitted in XX/XX/2021. However, roughly XXXX XXXX  prior to receive the letter on XX/XX/2021 I spoke to a manager in the recovery department, named XXXX, and she told me the internal credit dispute through CITI was denied and I will be receiving a letter stating such. So, which is accurate? Will this account be removed my credit report or was my dispute denied. I do not know. At this time, this issue has not been resolved through the company, the credit bureaus or CFPB. I have no other method for resolving this account other than further formal means. I am requesting a full delete, apology from CITI Cards.
Consumer complaint received 2017-05-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (AZ)

I AM IN THE PROCESS OF BUYING A HOME, BUT I CANT BECAUSE A REPO CAME UP ON MY CREDIT REPORT. I FURTHER INVESTIGATED, IT WAS NOT ME WHO TOOK THIS AUTO LOAN OUT AND THEN GOT THE AUTO REPO 'D. I AM UNSURE OF WHO IT WAS. I CA LLED WESTLAKE FINANCIAL WH O IS THE FINANCIAL COMPANY RESPONSIBLE FOR THIS LOAN- THEY TOLD ME TO FILE A REPORT. I FILED A REPORT WIT H IDENTITYTHEFT.GOV ON   XXXX  O F 2017 AND  SPECIFICALLY ASKED THEM TO VERIFY THE INFORMATION. THEY REPLIED TO ME 42 DAYS LATER, SAYING THEY DID NOT FIND ANY IRREGULARITY IN THE ACCOUNT. THE FIRST THING I SEE ON THE DOCUMENTS THEY PROVIDED IS : ADDRESS DOES NOT MATCH MINE, NOR DOES THE LAST NAME OR PHONE NUMBER OR EMPLOYER. I WILL NOW SEND THEM PROOF OF MY IDENTITY :  PHOTO COPY OF MY DRIVERS LIC., PA SSPORT AND UTILITY BILL. THIS COMPANY HAS FAILED TO COMPLETELY VERIFY ACCOUNT MEMBERS IDENTITY AND PUT A BAD SCORE ON MY CREDIT.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

XXXX was paid in full. They hired XXXX XXXX  to report to the three major credit bureaus tthat my account is overdue in payments. The history is inaccurate.. This account is paid. XXXX is reporting to XXXX  Equifax and XXXX inaccurate history and status. This account is old and was resolved years ago so now this fraudulent reporting must end. The account is paid and it should say that. It's been years since I paid this .XXXX  The status is inaccurate. Iam attempting to resolve this before taking legal action. This practice is infair and staines my future financially.
Consumer complaint received 2021-05-24
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: EQUIFAX, INC. (LA)

I recently disputed fraudulent information on my credit bureau after I was exposed in recent data breaches. I have already submitted all of the supporting so I am resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed in my etc report were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asa
Consumer complaint received 2021-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NV)

BBVA acquired Simple and transferred accounts on XX/XX/2021. I had 3 accounts with Simple and through today, XX/XX/XXXX, I still have not been able to gain access to my account. 

BBVA very publicly failed to transfer accounts : https : XXXX I have tried multiple times to get access to my accounts. Today, XX/XX/XXXX, BBVA emailed me about how they want to gain my trust : BBVA wants to build your confidence in us. 

We know some of you have had issues with your login and we apologize for your experience. Thats why, for a limited time, we are waiving many fees. In this email, we'll show you how to avoid certain fees after the waivers expire. 

I called the number they provided and the BBVA representative said that all computer systems are down and they are unable to access any account information. How is this level of incompetence allowed at a regulated institution? 

My confidence in them is destroyed. I will be leaving as soon as possible. Good luck to XXXX on their proposed acquisition.
Consumer complaint received 2021-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

I recently became aware of a check # XXXX payable to me in the amount of {$130.00} that was deposited by someone other than me in an account at Wells Fargo that wasn't mine, which represents several problems namely, Wells accepting a check payable to me that I did not endorse, crediting an account that was not mine, or even worse depositing it into yet another unauthorized account.
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MT)

XXXX XXXX XXXX XXXX. US Bank is supposedly added {$210.00} for an overdraft that I never knew about until not even a week ago and then they're going to withdraw it automatically again on a certain date when my unemployment had already covered it they said it was because of the covid and a stimulus check well they're getting ready to take the only bit of money I got and there's nothing I can do about it they didn't they don't care if no one ever told me or nothing and they never cashed my XXXX Bulgarian leather either which helped in it but my unemployment check covered the overdraft but they seem to put it in and now they're wanting to pay it back pay it back and you know I get XXXX a week about to lose my unemployment under XXXX can't find a job because unless I'm friend or a family of people you will not get a job and this is God forsaken country XXXX I will get a hold of me thanks XXXX XXXX US Bank
Consumer complaint received 2017-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (MI)

As I am struggling to maintain my payments without damages to my credit I made a payment to prosper of XXXX on XXXX XXXX online but when I looked at the date of payment scheduled it say it is for XXXX XXXX that would put me at 30 days late on there web site it say I can call the XXXX until XXXX but when I called at XXXX XXXX the office was close.I am going through some financial difficulties but prosper has no resolution but to pay or your credit is damaged. I will continue to make my payments and trying very hard to get back on track. I hope that I do n't get hit with a 30 day when I made my payment on XXXX XXXX 2017.
Consumer complaint received 2021-05-23
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)

I have been requesting, since XX/XX/2021, verification of these alleged debts that the Bureaus keep reporting on my credit files. However, credit bureaus and these companies - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law. Please remove the accounts immediately
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (IL)

On Friday XX/XX/2021 I contacted Medical Business Bureau. The reason I called them is not because they ever contacted me, but because they reported me to the credit bureaus. MBB NEVER EVER contacted me. I had no idea this debt was due. They claimed to have tried to call me. To be crystal clear, I answer my phone as it is my work phone, they never contacted me. Not only did they never call me, they never sent a letter. There was literally NO communication with me. The woman I spoke to, told me she could not email me a receipt, that she could only text it. I was NOT text a receipt. I have no receipt. The bill was for slightly over {$150.00}. I have no receipt, therefore no proof of payment so I suspect this is not going to go away. When I called I was told I was being recorded, I asked to not be recorded when I gave my credit card number. I do NOT trust that I was not recorded. Just like the receipt I have not received. I read their reviews on XXXX and I see this is their business practice. This company can not continue ruining peoples credit without doing the work of collecting the debt. This is absolutely insane.
Consumer complaint received 2024-03-26
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. (OH)

Proof that this is an account that has belonged to me. When I reached out to the Debt company I was told this was a business account. I am not a business owner. I have sent Several Letters and notices to the credit bureaus including my ID, Prove of mailing, a copy of my identity theft report and a copy of my FCRA 605 form, I have had an identity theft alert on my account since XXXX. Per the account open dated being reported on my credit these account was opened in XXXX. Which means the alert did not serve its purpose. Also the credit bureau keeps adding an address to my account that I have never lived at. After research I looked up the address and that is an XXXX store. How can I possible live or be associated with a store.
Consumer complaint received 2021-05-23
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. (PA)

I have made more than 4 attempts to have my credit report fixed. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( Creditor ) has notified me that they have NOT reported the information as indicated on the report provided to me on and before XX/XX/XXXX. 
I have disputed the account since XXXX of XXXX and provided ( XXXX, XXXX AND XXXX ) with the documentation provided to me by the creditor ( XXXX XXXX XXXX XXXX ). The agency knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. They have communicated and are continuing to communicate incorrect and defamatory information to third parties. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I was never late on my accounts espeially not 90 days. It wendt from30 to 90 days when in fact they are reporting payments being made in the months I allegedly was late.