davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (CA)

XXXX XXXX had a fraudulent account opened in my name, and it was only reporting to Experian. I contacted Experian and filed a dispute that the XXXX XXXX account was not mine. They returned with a confirmation that it was my account. So I submitted a second dispute on the same fraudulent reporting against XXXX and they again, claimed that it was mine. 

The difference in this second submission of disputing with Experian is that I contacted XXXX XXXX and resolved their problem. XXXX confirmed that it was not mine and sent me a confirmation that they would expunge the record from my name internally and on all the bureaus. A day later, Experian reports to me saying that they've verified that the negative XXXX account is mine. 

I am exhausted from the amount of crime that comes from that organization called Experian. They are responsible for the largest data breach in history, but they also didn't verify anything and lazily reported back to me that it was my account.
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Siggi LLC (TX)

On XX/XX/XXXX, I received a personal loan from Omni Financial of Nevada , Inc. in the amount of {$700.00}. The terms of my loan were that I would pay {$110.00} a month for 7 months by either : allotment through the XXXX XXXX and XXXX XXXX ( XXXX ) or set up Electronic Fund Transfer ( EFT ) through my personal checking account at XXXX. Ultimately, my repayment method was by allotment through XXXX. 

Omni violated the Military Lending Acts prohibition on requiring repayment of the loan by allotment and the Electronic Fund Transfer Acts ( EFTA ) prohibition against requiring that consumers preauthorize electronic fund transfers as a condition of receiving credit. Omni also violated the consent order that requires Omni to provide notice of the Consumer Financial Protection Bureaus XX/XX/XXXX findings to all customers repaying their loans by allotment. That notice was never extended to me and I wouldnt have known to ask for it. 

Along with the violations, my first repayment was not to be made until XX/XX/XXXX and my final repayment to be made XX/XX/XXXX. Omni took my first repayment by allotment on XX/XX/XXXX, and two additional payments after my loan was fully repaid by allotment on XX/XX/XXXX and XX/XX/XXXX. I am able to see the XXXX allotment due to my XXXX online account which shows my mid month and end of month pay plus any allotments 7 days before my end of month paycheck. I decided to check that today ( XX/XX/XXXX ) due to the unauthorized allotment on XX/XX/XXXX. 

The XXXX payment was refunded XX/XX/XXXX in the full amount of {$110.00}. The XXXX payment was refunded XX/XX/XXXX in a partial amount of {$100.00}, I was not made aware of the fact they owed me anything until XX/XX/XXXX, 7 days after the allotment was sent to them. I am unable to get the XXXX payment refunded until after the XXXX as their systems wont receive it until then despite my Leave and Earnings statement showing the future transfer. Omni did not terminate the allotment on their end and never contacted me via phone, e-mail, or my Omni dashboard once the loan was fully repaid to notify me that I needed to terminate the allotment through DFAS if they were unable to do so.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/21, a XXXX transaction for {$1000.00} was initiated from my Fifth Third checking account to a person whom I don't know. I have been attempting to dispute this for 14 months with no resolution. XXXX blames the bank, and even after filing police reports, fraud affidavits, contacting XXXX, and even requesting that they provide me with documents supporting their decision that the transaction was not fraud, they will not reimburse my money unless my wireless carrier ( XXXX ) provides a written letter stating that either my phone or computer was " hijacked. '' After speaking to a dozen people at XXXX, they agreed to verbally tell Fifth Third ( via conference call w/ XXXX & myself ). We spoke to both the Office of the President at the bank, and the disputes dept and they are saying this isn't sufficient and they need a letter. It's XXXX 's " policy '' to not write letters like this. I don't know what else to do and they are just treating me like I'm trying to get {$1000.00} from them. I have been a Fifth Third customer for OVER 20 years! 
They have no evidence or documents supporting their decision, and I have sent countless documents supporting my claim.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX : There were two fraud ACH charges ( titled " ACH Payment Refund ) of $ XXXXeach for a total of {$6000.00}. This is completely unrelated to anything transactions or payments I have made and is 100 % fraud. 
XX/XX/XXXX : Called Bank of America and spoke to two different representatives before a fraud case can be opened. BOA promised someone will contact me within 7-10 business days. 
XX/XX/XXXX : Multiple legitimate charges on my credit card were declined and my account was put on hold. I had to call to remove the hold. 
XX/XX/XXXX : Multiple legitimate charges on my credit card were again declined and my account was again put on hold. I had to call to remove the hold but it was not possible because their system were done. 
XX/XX/XXXX : Made 3 calls to BOA to remove the hold on my account and they said I have to wait up to 45 days before the case can be investigated and money refund to my account.

{$6000.00} is a huge sum of money to be on my credit card balance for 45 days which will impact my credit usage and consequently credit score. Furthermore, the pending unresolved fraud case is causing my transactions to be flagged and my account to be put on hold which there is no other way to resolve other than having to spend time on the phone with them.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERIS BANCORP (GA)

Company terminated my services XX/XX/2022 says I have to wait 60 days for my funds being held in the amount of {$13000.00} and I have not received my funds as of today XX/XX/2022 I feel as if someone has stolen my money & no one at my loacal branch has help me with account beside saying they are going to close my account, When I walk in branch I also feel as discrimination. XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NC)

My balance has not been updated since XXXX. It has ruined my credit score and my ability to get a good mortgage. It takes weeks for a response and people in customer service XXXX XXXX XXXX XXXX. It's been a nightmare. I'm thinking about getting a lawyer at this point. It's unfair. Bread Financial doesn't give a damn about its customers.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.

XXXX XXXX XXXX  Account 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 2022-04-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IL)

This is one of many complaints I have submitted regarding USBank 's business practice toward consumers. I as a consumer am requesting this complaint be reviewed thoroughly as possible " DISCRIMINATION ''. From a previous complaint submitted to you when I was sent papers regarding a Refy for my current Loan and was told I could chose the Title Company along with the workout as to what my monthly payment would be. Well, when I spoke to Loan Officer did not provide me an explanation as to why the Refy was not going through. Well in following up on the Complaint that was submitted. I was provided a number to contact USBank to obtain the response they provided you. In reviewing the response to you, USBank did not tell the truth. I never asked for ''CASH OUT '' and not at any time did the Loan Officer give me an explanation as to why we could not forward on the refy. I have also tried reaching out to the Customer Advocacy Specialist, but as of today, have not been emailed back or received a call back. As a consumer I feel as a " XXXX '' I AM BEING MUTILATED
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CT)

Discover checking account closed out several months ago, remaining funds in account not received, the amount of {$140.00}, at time of closing. The last four of account ends in 1960 to best of my knowledge. The attached letter shows funds in amount of {$690.00} deducted from account several weeks ago, sent to XXXX XXXX for a fraud claim check, XXXX XXXX has no record of any such payment or any payment for that matter. Discover rep ( s ) claim remaining funds, the amount of {$140.00} sent to XXXX XXXX in addition to amount of {$690.00}, neither payment received as stated prior, confirmed with several reps in XXXX XXXX executive office.. Further, XXXX XXXX does not accept partial payments such as the amount of {$140.00}, would have been rejected back to Discover, as stated by a XXXX XXXX with XXXX XXXX executive office.. I've explained this in prior CFPB complaints in re, nothing resolved to date..Discover has yet to send me remaining funds in amount of {$140.00} or amount of {$690.00}.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to express my extreme frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts on my part to rectify this matter, the fraudulent entries persist, causing significant distress and harm to my financial well-being. This complaint serves as a formal notification of the ongoing issue and my expectation for an immediate and effective resolution. 

I discovered unauthorized and fraudulent items listed on my credit report, which have had a detrimental impact on my credit score and financial standing. Upon discovering these discrepancies, I promptly took action to dispute the fraudulent entries by following the established procedures outlined by 3 Credit Bureaus Despite submitting all necessary documentation, including police reports, affidavits, and supporting evidence, the fraudulent items remain on my credit report. I have contacted your customer service department on numerous occasions, spending considerable time and effort to resolve this matter, yet to no avail. 

The persistence of these fraudulent items not only damages my creditworthiness but also undermines my trust in the integrity of the credit reporting system. As a victim of identity theft, I am entitled to prompt and thorough resolution of this matter to mitigate the adverse effects on my financial stability and reputation. 

I demand immediate action to address the following : The immediate removal of all fraudulent items from my credit report. 
Written confirmation of the removal, along with updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the fraudulent entries, including but not limited to, financial losses, increased interest rates, and emotional distress. 
Failure to resolve this matter promptly will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and pursue legal action to seek redress for the damages suffered. 

I urge you to take this complaint seriously and prioritize the resolution of this matter without further delay. I am asking for your assisstance to remove these fraud items in my credit file : 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 : {$400.00} XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NV)

coinbase.com has prevented me from accessing my account. Has been making me resubmit my documents, which I now do not trust them with. They have frozen about 1k in Bitcoin. They refuse to give me my crypto back. They refuse to let my college open an account and put my crypto into his account or a company account. Shortly after uploading my documentation when I started my account. My identity was stolen and the individual who was using it, used to work for coinbase.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (FL)

I got my annual credit report and noticed Home depot/Citi bank reported late payments to the bureau on my account, when I never had a late payment. I called their collections department at XXXX to inquire why this was the case. They told me that there was no record of a late payment. I then requested for them to remove the late payments information reported to the credit bureaus from my history but they refused, insinuating that they are unable to do that. But they were the ones who initially falsely reported late payments to the bureau.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

: I have been receiving my survivor benefits through Citizens Bank since 2013 on the third Wednesday of every month. I received two separate payments on the same day for XXXX. As of XX/XX/XXXX I did not receive them. On that day I reached out to Citizens Bank CUSTOMERService and that is when I was told that Citizens Bank closed my account without letting me know so I couldn't make the proper attires to change over my information with the IRS to direct deposit to another account. When I was on the phone with Citizens Bank I was then told my account had been closed and my money was returned to the US Treasury. So I contacted SS and I then received a letter a week later saying that my money was deposited to my account and never sent back. So again I contact Citizens and had someone tell me that they don't have any record of the deposits. I finally found the recovery department number. Which I finally got somewhere with. That was 3 and 1/2 weeks ago. I just called again. They said that check processing still hasn't sent it. I am now livid. This affected my bills and how I live. It is my only income. Something needs to happen. That Bank has communication issues.
Consumer complaint received 2021-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Iconic Mortgage Corp. (CO)

We went to refinance got through most of it the gentleman that was processing it told us everything looked good and to not pay XXXX or XXXX. So here almost the end of XXXX i have not heard back from this guy at all and then we recieved a delinquent notice as the XXXX payment was not made because of what we were told. I called multiple times to him and other people to tell him to get back to me. Needless to say we are now out of refinancing and down a couple XXXX dollars from him not communicating to me and telling us not to pay our mortgage as the refinance was clear. His name is XXXX that works for Iconic mortgage company. Do not go with this company! Single income family also military that got taken advantage of.
Consumer complaint received 2016-02-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

The rep at Citibank, XXXX XXXX XXXX XXXX Ca, XXXX XXXX, may be erroneously selling loan products tied to checking accounts to XXXX people. My parents went in to open a checking account and was asked for XXXX paperwork and had no idea why this was being requested. I tried calling the office but could not get through to the office for over an hour. I do n't live in the are so I can not drive to the location. Please address this situation
Consumer complaint received 2022-04-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$280.00} XXXX XXXX Balance {$10000.00} XXXX Balance : {$4200.00} DEPT OF XXXX XXXX XXXX {$1100.00} DEPT OF XXXX XXXX Balance {$4400.00} DEPT OF XXXX XXXX Balance {$5400.00} DEPT XXXX XXXX XXXX Balance {$5200.00} DEPT OF XXXX XXXX Balance {$3800.00} DEPT OF XXXX XXXX Balance {$1500.00} DEPT OF XXXX XXXX Balance {$3600.00} XXXX OF XXXX XXXX Balance {$4000.00} DEPT OF XXXX XXXX Balance {$8500.00} DEPT OF XXXX XXXX XXXX {$6100.00} DEPT OF XXXX XXXX Balance {$1900.00} DEPT OF XXXX XXXX Balance {$2300.00} DEPT XXXX XXXX XXXX Balance {$3500.00} DEPT OF XXXX XXXX Balance {$3000.00} DEPT OF XXXX XXXX Balance {$3400.00} DEPT OF XXXX XXXX Balance {$6800.00} XXXX OF XXXX XXXX Balance {$4200.00} DEPT OF XXXX XXXX Balance {$2400.00} DEPT OF XXXX XXXX XXXX {$3600.00} DEPT OF XXXX XXXX Balance {$2500.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Your continued disregard for my requests violates the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information. This constitutes a clear violation, subjecting your company to legal consequences. Despite multiple requests to investigate and correct the information, including the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, 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. (NV)

Please delete the following unrecognized credit inquiries. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022. 
I also attached the copy of the letter i sent you
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act 1XXXX XXXX  XXXX acct XXXX XXXX* 2XXXX XXXX XXXX acct # XXXX* 3.XXXX XXXX acct # XXXX 4.XXXX  acct # XXXX have violated my rights. 

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

15U.S.C 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (GA)

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$6000.00}