davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (UT)

I tried to request a credit line increase on my card today, XXXX. Their system says that I already had an increase on my account on XXXX. Which is not correct. I requested an increase on XXXX. This information can be verified by XXXX as there was a hard inquiry into my credit report on that day ( XXXX ). I also remember submitting it twice back on the XXXX, the fist one stated I got an increase, the second said I did not qualify because of the first approval. I requested it a second time on that day because their system did not instantly reflect the approval. I question Citi 's systems because I was not notified of any change in my credit account or status in XXXX. The only reason they may have used that date is because I finally used my card in XXXX. This does negate the fact that I have a hard inquiry in my credit report from XX/XX/2021 and was approved then. They clearly have systems that do not match up to what happened, when it was approved and when I would be eligible again.
Consumer complaint received 2021-10-08
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: VW Credit, Inc (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-10-08
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: PENNYMAC LOAN SERVICES, LLC. (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XXXX XXXX at about XXXX XXXX, I deposited a payment check in the amount of {$460.00} at the Citizens Bank ATM, XXXX XXXX  XXXX, XXXX, MA. 

The ATM accepted the deposit but shut down/ rebooted before returning my ATM card or providing a receipt for the transaction. 

I called to report it to the bank while waiting for the machine to reboot ( approx. 30 min. ) I explained what had happened and was told that I needed to file a claim, and allow 14 business days for the investigation. I declined the process. 

On XXXX XXXX at about 9 am I called the bank branch and spoke with Branch Manager XXXX XXXX. She retrieved the check from the ATM but refused to process it or return it to me. Mrs. XXXX advised me to " contact the writer of the check and have them give me another one. '' The writer refused unless I could return the initial check.
Consumer complaint received 2021-10-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CT)

On XX/XX/2021 my closing was set with Guarantee Rate and they sold ( forwarded ) my account to New bank XXXX and my first payment was sent to them on XX/XX/2021 and it was processed on XX/XX/2021. Gurantee rate said it would take 60 days for them to forward all the payments to XXXX XXXX but its been past 60 days and it still hasn't been forwarded to them. I called Guarantee Rate multiple times to file a complain and check the status of my account. I called them on, XX/XX/2021, XX/XX/2021, XX/XX/2021, and on XX/XX/2021 ; in all those phone calls no one was able to give me an answer and resolve my issue. They kept saying that someone will get back to me once they review my account but I haven't received anything from anyone. I also filed a complaint on XX/XX/2021 online and the case was assigned to XXXX XXXX, a servicing department and a email was sent to me which stated that someone will get back to me within 48 hours but its been more than 3 days and still no one has reached out to me. I also tried to email the customer service representative but it seems that she has ghosted me out and wont reply to me. I also checked with my XXXX XXXX  to see if they could cancel the payments from their end but they stated that Guarantee rate has already cashed the payments so there is nothing that could be done in their end. I would really appreciate it if someone could reach out to me and resolve my issue. 
Thank you!!!!!!!!!!
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (CA)

I filed a dispute with XXXX Credit Bureau regarding inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX  regarding the inquires.
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (IL)

I had my identity stolen and I have a debt in my credit report of {$21000.00} for a medical bill that is not mine. This thief went to the XXXX XXXX XXXX. First of all this individual stealing my identity lives in Texas, and I live in Illinois!!!! I need help catching this thief and putting them in jail. She is ruining my life. Please help me
Consumer complaint received 2021-10-08
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. (GA)

I sent dispute requests to remove incorrect addresses and to also dispute the negative accounts on my XXXX, XXXX, and Equifax reports on XX/XX/XXXX and XX/XX/XXXX via mail. I have not received any mail or correspondence that a dispute or investigation has taken place. I thought that when you do not hear anything from the credit bureaus in 30 days that is automatic grounds for deletion of the requested dispute accounts due to not validating within 30 days. Please look into this and process this dispute as applicable. If it is my understanding that the disputed accounts will be deleted, I expect this filed complaint to be completed in that manor.
Consumer complaint received 2021-10-08
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. (AL)

Someone has been using my social security number to obtain vehicles, housing, etc. Also there are addresses from XXXX XXXX attached to my credit file. I am a Alabama native.and have never resided in XXXX XXXX please see police report attached
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account XXXX - CARD SERVICE dated XX/XX/2015 that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-08
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: WELLS FARGO & COMPANY (AL)

I filed a claim with my bank, Wells Fargo, back in XX/XX/2021. The dispute was a debit from my account in the amount of {$830.00} from XXXX XXXX XXXX AL where I NEVER received any product due to unavailability of furniture due to COVID-19. XXXX XXXX does not divulge the complete information until payment has been submitted -- gives a standard reveal that furniture will be available in about 3-4 weeks. This is not true because XXXX XXXX is accepting orders knowing full well that the furniture is unobtainable. Now, XXXX XXXX is stating it is entitled to my {$830.00} because it has a non-cancellation policy. This is not the issue -- I NEVER received any product nor was contacted to state that the product is available for shipment -- NEVER. Wells Fargo did an investigation and credited the monies back into my account ; however, WF is reversing that decision and debiting my account because XXXX XXXX is stating that " charges were made by you or someone who had your permission. '' XXXX XXXX is not entitled to the {$830.00} because this is a scam -- never received any product nor was contacted to state that the furniture was available as of this date. This is highway robbery.
Consumer complaint received 2021-10-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WV)

I would like to request my complete consumer disclosure from the Experian Asset Verification division, specifically the one that advertises " ... it is the only solution in the market to be fully FCRA-compliant and adhere to credit bureau reporting and dispute processes ... '' ( SEE ATTACHED FROM THE EXPERIAN WEBSITE ). 

Also, please provide any consents from me as well as the specific source of any consents. 

Considering you advertise " ... coverage of 80 percent of financial institutions ... '', you have my data.
Consumer complaint received 2023-03-06
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Stay away from this bank. They are not credible. I was victim of a scam. They told five different conflicting stories with regards to my account. Finally, they closed my account. This is no way to treat an account holder who has had a banking relationship with them for ten years. THESE XXXX  need to go out of business. Currently, I am trying p to find attorney for a possible consumer lawsuit against them.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX Landline : ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX ) attorney, medical release proves fraud they're saying never issue my records to Citizens Bank Hello, Respectively, hear me out ; all my records were without express consent, according to the written letters below. 

XXXX XXXX, Office of the Chairman, CFPB Case Number : XXXX XX/XX/XXXX, Citizens Bank XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. No # XXXX. 

XXXX XXXX, the merchant who supplied XXXX XXXX medical and financial records, are those details accurate. 

I received a letter from the Office of the Attorney General. Enclosed was an admission from XXXX XXXX 's attorney XXXX XXXX XXXX - XXXX, XX/XX/XXXX, states they did not provide Citizens Bank with any of my information. If this discovery is true, how would Citizens Bank receive private HIPPA data without permission? Let me be clear ; this has nothing to do with the documents I provided ; that is not what's relevant. 

What's relevant is the message from XXXX XXXX 's attorney that is my concern. Is there any truth to what their attorney disclosed? Who's telling the truth? Although no one believed I have ethics, morals, and integrity, do I want to be reimbursed {$7000.00} for services that were not rendered absolutely? After all, I was there, so who would know better what happened. 

However, this is much weightier than XXXX dollars if the facts you provided are the truth that changes the narrative ; in other words, XXXX XXXX committed an unlawful act by misrepresenting Citizens Bank and XXXX XXXX. XXXX XXXX tainted representation by way of fraud. Fraud is an offense that captures a wide range of conduct. I am not surprised by anything they say or do ; after all, scammers and con artists are significantly good at what they do. 

I look forward to hearing your thoughts concerning this matter. Thank you for your valuable time. 

Sincerely, XXXX XXXX See attachments : Document : Office of Attorney GeneralXXXX Document : XXXX & XXXX XXXX XXXX XXXX XXXX Document : XXXX XXXX, Office of the Chairman, CFPB Case Number : XXXX Document : XX/XX/XXXX, Citizens Bank, Reference Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ref. No # XXXX
Consumer complaint received 2017-09-11
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. (TX)

My information was given out by equifax during their data breach. My information is now out there forever and could potentially harm me years down the road.
I 've signed up by their monitoring for free for 1 year ( 1 year is not enough ). - X/X/2017
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: JPMORGAN CHASE & CO. (FL)

I am unable to use debit cards to load money onto my XXXX rewards debit account. 

I last loaded it with a debit card on XX/XX/27. A few days later I was unable to load it with the same card. I called chase and was told it was a problem with the bank who issued my debit card. I called the issuing bank and they clearly noted the charge was processing fine and chase was reversing it. 

I called Chase again and this time they said it was because the card was being closed and I can no longer load it at all. After we hung up, I was able to load it with my Chase Checking account. 

I called Chase again and was transferred to XXXX because 'they work with the rewards program ' I spoke with a friend on XXXX who was able to load his chase XXXX XXXX card with a debit card without any issue on XXXX. 

I called again on XXXX and this time was told that my card was closed on XX/XX/XXXX, and when I pointed out that I both used and loaded it ( with chase checking ) on XXXX than she said it's being closed in XXXX and she can't help or look into anything else.
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services, LLC (AR)

This debt collector have billed me 2 separate medical bills of {$260.00} and {$290.00} dollars as of XX/XX/XXXX. The bills state that they were opened XX/XX/XXXX out of a state I never lived in nor received any medical treatment and I was XXXX  at the time of the open date.The debt has been sold to another collector and they are starting over the open date of the debt as of XX/XX/XXXX.
Consumer complaint received 2021-01-06
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 8. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )