davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

They have been informed several times by myself, CFPD, FTC and the bureaus that this account is unknown to me, and I have been a victim of identity theft. They continue reporting the account and the payment history not linked to me ( both payments and non payments ). In their " proof '' they said the card was open online, and therefore identity was not verified, and they address the card was sent to was never my address in any capacity. They failed to accurately verify identity and allowed this account, yet refuse to remove it after it was brought to their attention. They claim they " verified '' the information by some public records that do not exist.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (MA)

In accordance with the fair credit Reporting act XXXX U.S Bank N.A DBA Elan  Acount # XXXX, has Violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Under 809 of FDCPA, U.S Bank N.A DBA Elan had sold my information to debt collector without my written consent, therefore I demand for validate for my original contract with my wet signature on it. The reported I've pulled are not reporting correctly, and still continue to report negative to the 3 credit bureaus therefore I request any incorrect report shall remove/delete from my file.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following item ( s ) on my credit report. The information in question is as follows : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Under the provisions of the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I have reviewed my credit report and have found that this account is inaccurately reported on my credit report. I have no knowledge of this account and do not have any record of it belonging to me. Therefore, I request that you remove this account from my credit report as soon as possible. 

As per the FCRA, you are required to investigate my dispute within 30 days of receiving it and provide me with the results of your investigation. If you find that the information is inaccurate, incomplete, or can not be verified, you must remove it from my credit report. Additionally, I request that you provide me with a free copy of my credit report after the investigation is complete, as my credit report should be updated to reflect the removal of this account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-31
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - eq
Consumer complaint received 2023-02-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MN)

Dear CFPB, I opened a new Citibank Accelerate Savings Account on XX/XX/XXXX, under a promotional offer called the " Level Bonus Offer '', that came through the Citibank mobile application. The promotional offer was for {$450.00} for funding a Citibank Accelerate Savings Account with {$50000.00} or more. 

The promotion had a requirement to have the account funded by the 20th day after account opening, and keep the funds in the account for 60 calendar days afterwards. Then the bonus was promised to be paid 30 days after completing the funding activities. After signing up through my mobile app - I received an Email confirmation of the promotion from Citi on XXXX XXXX, XXXX. 

It has now been more than 40 days since the bonus was supposed to have been granted to me. I have called and messaged Citibank 5 times from the day the bonus was supposed to post to today ( XXXX XXXX, XXXX ). Each time, the Citibank Customer Service Representative says I qualify for the bonus and to call back in 5 business days. Each time I called back - there was no progress on my promotion dispute. A case was raised on XXXX XXXX, XXXX - and on XXXX XXXX, XXXX a response was given as follows : " Unfortunately, Promotion Code XXXX was not offered in conjunction with the above account. While Citi does offer cash promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called back Citi on XXXX XXXX, XXXX - who assured me that I qualify, that this was a mistake. I got the promo through the Citibank App, after signing in - so I'm not sure how I wouldn't be qualified. A new case was opened by Citi on XXXX XXXX, XXXX and I was assured it would receive escalated attention in XXXX business days. I called back on XXXX, XXXX, XXXX - and still no progress on my promotion. Furthermore, there is no email service provided to allow my promo confirmation email to be provided. 

I hope to get the bonus and help others going through the same bonus- to be aware of Citi 's issues in honoring this " Leveled Bonus Offer '' promotions.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America. On XX/XX/2019. 

I want my {$500.00} returned but bank of america won't work cooperate with me to get fraudulant companies to give me my {$500.00} nCk. 

XXXX XXXX XXXX  in XXXX duped and defrauded me. XXXX XXXX works with XXXX XXXX  and they took my money. 

Services were false, NEVER got services, web login or password. I canceled immediately. 

On XX/XX/2019 I was duped by XXXX XXXX XXXX  in the streets in XXXX while on vacation. They said " just show your id and a credit card and they held it until manipulative lying presentation was over. I did not approve this {$500.00} credit card charge. 

Furthermore I immediatly canceled after I saw on the internet how they defrauded many consumers. I went in person and canceled with XXXX the manager on XX/XX/2019. XXXX SAID NO PROBLEM. 

Here is my email on XX/XX/2019. 

I was duped into signing a contract by XXXX XXXX. They shook {$500.00} from my credit card without my knowing I was signing a credit card approval. 

rom : XXXX XXXX XXXX Date : Tue, XX/XX/2019, XXXX XXXX Subject : Questions - product website right now not transparent To : XXXX XXXX Hi, I'm XXXX XXXX and XXXX XXXX . 

This morning we subscribed to your services, however, we see now your product website is NOT Transparent to us to be able to compare prices for upcoming travels that we have. Besides we see SOLD OUT on variety of travel places on your website -- this is not positive and good for us. Waiting 2-3 days is not fair because if we're not satisfied I want my deposit back and void subscription. 

What is " VIP RESORT WEEKS '' really mean? Are we getting 8 weeks per year at {$190.00} each? 

Please get back to me tonight or tomorrow the latest via this email or cell XXXX. 

This is second email. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2023 i went to the Chase bank atm located in XXXX, pa at XXXX XXXX XXXX XXXX XXXX. Inside a shopping plaza to make a ATM cash deposit. I inserted {$800.00} into the machine and it started making a lot noises. Then told me to take my money but it was no way to grab the money because of how it had a hold of the money with clamps over it. So after a min the machine then just took the money. i go to this same atm often to make deposits but this time the ATM ended up taking my money without depositing anything into my account. No receipt came out and on the screen it told me to call a number to make sure my money got deposited. I called the number they were able to deposit the money within a couple of hours while they investigate. Today XX/XX/XXXX i got a reversal for {$430.00}. I called and they are saying after they investigated i only deposited {$360.00} which is not true at all. I indeed deposited {$800.00} i didnt even insert any {$1.00} bills at all. It was all {$50.00} bills and {$20.00} bills. Please i need help this is my hard earned money that they took.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WV)

XXXX   XXXX   continues to report account as being delinquent. Credit report shows last payment was   XXXX   2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I did a wire transfer for the amount of XXXX XXXX XXXX dollars on XXXX XXXXXXXX  from my banking on line from my account at Bank of America to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX and the money never got to the companies account. I have been talking to XXXX and XXXX XXXX the manager at BofA in XXXX Texas XXXX but they keep telling me that they are not responsible for this money. This transfer from my account to that company is not the first time i have done it and never had a problem. the last time i did a wire transfer to the same account it was in XXXX of this same year two months before with out a problem.
Consumer complaint received 2022-10-22
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. (NY)

I sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NY)

I applied for a Walmart Credit Card and was approved. I called up and asked for a Credit Increase. The increase was denied and I decided to Not Accept the Credit Card. Credit rep told me no card would be opened or sent to my home. I checked my credit report yesterday and there is a New Account that was listed and closed within 1 day. This is incorrect as I declined the offer. My credit has gone down XXXX points because of this. I Called Walmart and spoke to one of the rudest representatives there who told me there was nothing she would do. Walmart lied to me about the account and it should be deleted. I never accepted the offer .The terms and my rights were not read to me when I declined the offer. I will be also filing a complaint with the NY State Attorney General
Consumer complaint received 2024-03-30
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. (LA)

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 I have more that should not be on my report, because its locked
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

The late payment on my credit report is inaccurate. I was late due to the covid 19 pandemic .in which i lost my 2 jobs and i was unable to make payment in time.in which i ask for some extension.so asking you to ask them to remove from my credit report base on the law article of covid 19 pandemic. The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) But if you make an agreement for payment relief before you fall behind, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act requires that creditor to report your account as current on your credit reports Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief.
Consumer complaint received 2023-03-31
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. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Dear Sir or Madam, I am a Citi Bank customer and my account information was leaked somehow. I constantly received suspicious calls since XXXX. On XX/XX/XXXX, an imposter claimed to be from the bank and tricked me into sending them cash through XXXX. The imposter initiated a series of unauthorized charges to my account before the call and already knew my account information when he spoke to me on the phone ( I did not share my account access information ). He managed to fake a XXXX account with my name and instructed me to send around {$5000.00} to the account for the sake of security. Later I report the whole case to Citibank and the bank reversed some of the fraudulent transactions but refused to help me with the XXXX scam. I filed multiple cases with the bank for the scam, trying to get a refund but they just turned me down with no explanations. Police reports naturally couldn't help much either. 
As an international student who already lived frugally, I can not possibly afford such a huge loss and it was so devastating. I believe that Regulation E, part of the federal Electronic Fund Transfer Act requires banks to refund consumers for fraudulent transactions on their accounts. Please help me if you could and let me know if there is any action I can take to persuade the bank. Sorry for sounding desperate but I truly am.

Thank you and all the best.
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FULTON FINANCIAL CORPORATION (DE)

XXXX XXXX  continues to increase my mortgage payment every year. I had a loan modification a few years ago as I could not afford the payments at that time, which were around {$1100.00}. XXXX XXXX increased my mortgage payment this XX/XX/XXXX from {$1100.00} to {$1100.00}. My payment was raised again XX/XX/XXXX to {$1500.00}!!!! I originally had a loan modification because I could not afford a {$1100.00} payment. Now my payment is {$1500.00}. I feel they are setting me up for failure. Is this legal what they are doing? I had a temporary loan modification back in XX/XX/XXXX. I need a set payment which I can afford, and my interest rate lowered. I went from paying 3.5 % to 6.5 % interest rate on my mortgage. I am struggling with this, and the bank knows this and does not care.
Consumer complaint received 2023-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

I have had a account with paypal for over 10 years and it was in good standing all of that time I recently was sent the sum of {$200.00} to said account and it was deposited and shows as deposited on their log in page I received a e-mail stating I had account limitations placed on my account and they would not send my money to my banking account that they have on file for me I tried many times to tell them that I am a person with disabilities and also a veteran they said they would be holding my money for what is a unacceptable time 180 days and I can't afford to wait that long I do not run a business on paypal I have received donations to help me care for animals that I keep and feed that were injured or abandoned I use this money to buy food for said animals the only thing I did to get in this mess is request to change my phone number because I lost my other one I am XXXX and almost XXXX from severe XXXX and have XXXX XXXX they have put me under undue stress trying to get the money I desperatley need for care for the animals Please help me help me thank you