davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Citibank was offering a promotion of {$300.00} cash to customers who opened a new bank account with a deposit of {$100000.00} for 60 days. I took them up on the offer, and after 60 days, I asked them where is my {$300.00}. A Citibank representative replied that I had to give them 90 days for the cash to appear in my account. On XX/XX/2021 which was 90 days later, I still did not receive the cash that was promised so I called again, and a representative said that she looked into it and would put in a request to expedite my payment. The next day still nothing happened, so I called in again, and a representative said I would get my {$300.00} no later than the following Monday XX/XX/XXXX. Well the following Monday came and went and still no payment. I called again Monday evening but couldnt reach anyone. Then I called again Tuesday, and a representative put me on hold, but then the call was dropped. I had to call back again three more times on Tuesday before I could get someone on the line to investigate my case. Finally a representative said that the funds would be released. I was furious that I had to call and waste so much time and effort to get money that should have been automatically paid to me. I told her that she should offer me compensation for my trouble. She asked me what would I want. I said I wanted the equivalent of a free airline ticket which I thought would be letting them get off lightly since many other banks have offered as much as {$3500.00} in their promotions to get new private client customers. She called me back and said she could offer me {$30.00}. I was absolutely furious when I heard that. She then transferred the call to her boss who was resistant to offering anything at all. I have never been so insulted and XXXX off in my whole life dealing with customer service. The next day they left me a message saying they put {$100.00} in my account as an apology. I still dont think {$100.00} does justice to this wrong. This whole episode proves to me that Citibank lies to its customers. They promise one thing, but unless one is willing to chase down the funds promised, they will renege on the promise. I have no doubt that if I didnt call persistently, I would have never received the {$300.00} owed me for parking my funds there.
Consumer complaint received 2020-06-10
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: SYNCHRONY FINANCIAL (GA)

Unauthorized Inquirers XXXX XXXX  - XX/XX/XXXX Syncb/PayPal - XXXX  XXXX, XXXX XXXX Mortage - XX/XX/XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (NC)

Today, some collection agency named Avante USA reported a {$1100.00} collection account on my XXXX XXXX credit report. I have never heard of this agency before, and they have never tried to contact me in any way. Fair collection law provides that a collection agency is required by law, to make an individual aware of a debt, and give them 30 days to contest it, or resolve it, before it just appears on one 's credit report. However, Avante USA never allowed me such a chance.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (SC)

I was wrongly charged 3 overdraft fees but my account never went negative. My balance on the morning of XX/XX/21 was {$85.00}. On that day a deposit of {$40.00} posted and I had 3 debits that totaled {$23.00}, so the funds were there to cover the transactions. I was shocked when I looked at my account the morning of XXXX and saw that BB & T had charged me 3 overdraft fees totaling {$100.00}! 

I went to my local BB & T branch to meet with a banker because I was absolutely sure this was an error and it would be resolved with a refund of the fees. I pointed out to the banker that the transactions on my account did not take it into the negative. She said, " Oh, you can't go by that. '' I said, " Are you saying my account does not need to go negative to get an overdraft fee? '' She printed out an " explanation '' which I have attached. It said my XX/XX/XXXX balance of {$85.00} was debited by 5 transactions totaling {$160.00} that took it to a negative balance of - {$81.00}, but those 5 debits did not post till next day, XX/XX/XXXX! On XX/XX/XXXX, when those transactions actually posted, my social security direct deposit had come in, so those 5 debits were well covered. The printed " explanation '' tried to say that the transactions that posted XX/XX/XXXX should actually be counted against my XX/XX/XXXX balance. I do not understand how this can be considered fair banking practices. How can they charge overdraft fees on an account that never went into overdraft? This is trickery, unfair, and deceptive. I am XXXX and on a fixed income. I can not afford these predatory fees. 

Since I realized the banker was sticking to her story that the fees were correct, I asked for a courtesy refund. She checked with her manager and came back and told me that she could not give me a refund because I had been given a refund two years ago! 

I'm attaching my account activity from XXXX XXXX XXXX, and the " explanation '' detailing the unreasonable and unfair fees they charged for overdrafts that never happened.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion shows ( 1 ) derogatory item in my report, but does not give me an option to submit a dispute. The item is older than 7 years and should be removed from my report.
Consumer complaint received 2021-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have reported fraudulent activity to XXXX  through my credit card company, which is Capital One and I am still seeing fraudulent activity on my credit card statement. I filled a police report with XXXX XXXX Police Department and I have not been given the opportunity to provide a police report and an FTC report. I have spent the last two months trying to resolve this problem, and according to Capital One, no fraud was found on their end, which is incorrect, since I told them already my card was stolen along with my phone. I have called XXXX already and they keep on sending me to Capital One to fix the problem. 

Capital One approves people for a credit card, and they claim there is zero liability on fraudulent charges, but my card gets stolen and they just keep on transferring me from department to department, and they do not resolve anything. Capital One asked me to call XXXX to provide the police report to them so they stop charging my account, and they do not want to even speak about the subject. The thief created a fake account, with a fake email, fake phone number, and used my actual physical address to make these purchases and stole them from the front porch. 

The fake name used is XXXX XXXX, the fake email is XXXX and the fake phone number is XXXX. 

XXXX has been extremely negligent to not require a signature for packages delivered and not only that, but it is quite opportunistic from their end to keep on charging my account, when Capital One already reported the situation as fraud. 
Capital one is allowing these transactions to go through without giving me the opportunity to provide a police report and my FTC report. 
I will NOT pay for fraudulent purchases. 

XXXX needs to give me the opportunity to submit adequate documents, such as a criminal report and refund my account immediately. 

By law, as an identity theft victim, I have the right to have all fraudulent activity blocked upon submitting the appropriate documentation.
Consumer complaint received 2021-10-06
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  / XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-10-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Credit got worse had people names pop up on bank accounts denied credit in trouble with irs credit is messed up cant do nothing and XXXX  and a vulnerable adult with a XXXX XXXX
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bliksum, LLC (AR)

This company is currently showing 30 days late for the month of XX/XX/2021 and 120 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2020-11-11
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: AMERICAN EXPRESS COMPANY (CA)

I periodically check my credit profile and noticed several inquiries that I don't recognize. Please remove the following off of my XXXX File : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX/Capital One Account # XXXX Collections Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor : Capital One Bank USA NA 1. ) XXXX XXXX has perjured themselves in their last response to The CFPB. They claim they mailed a letter notifying me of the debt they allege I owed to them in XXXX, however, show no proof of such, I never recieved such, I was unaware I could dispute this debt and the only documentation they have stating they mailed me anything at all is dated XXXX, roughly ( 3 ) three years later. 

2. ) XXXX XXXX made the irrefutably false, fraudulent, deceptive and misleading statement in their last response to The CFPB : " Business records provided to XX/XX/XXXX by Capital One at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$3500.00} was due on the account at the time of XX/XX/XXXX purchase. '' I have personally confirmed with Capital One, that the account ending in XXXX was not opened until XX/XX/XXXX, not XX/XX/XXXX as they falsely claim. 

In fact, Capital One has clear records which state my Capital One account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, due to my account being upgraded to a Capital One XXXX XXXX account which was then updated with a new account number ending in XXXX. None of these dates are remotely close to XXXX XXXX false and likely forged record of events as they clearly have retaliated for a period of 5 years through deceptive practices. 

The Capital One Account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, is in fact still listed within my credit report with an exceptional payment history, and a credit limit of {$500.00}, which does not reflect XXXX records either.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My wallet was stolen from my local XXXX  on XX/XX/XXXX, in my wallet was my license, SS Card, a XXXXXXXX XXXX  XXXX XXXX credit card and both a BofA credit and debit card. On XX/XX/XXXX I called BofA to notify them that my wallet was stolen and the cards needed to be locked and they never were, multiple unauthorized transactions took place on those cards. I called BofA to dispute the transactions on both the credit and debit card. I also had to dispute transactions on my XXXXXXXX XXXX XXXX  XXXX card. The claim on my BofA credit card and the claims against my XXXXXXXX XXXX XXXXXXXX XXXX credit card have both been paid in full. However, BofA refuses to pay a dime and I am out {$3400.00}!! The transactions on all 3 cards take place AT THE SAME TIME, from the SAME EMAIL ADDRESSES, made from THE SAME PHONE, and HAVE MY CONTACT INFORMATION INCORRECT ON ALL PURCHASE ORDERS. Yet, BofA has denied my debit card claim twice!! I have contacted XXXX XXXX, XXXX XXXX, FDIC and the Federal Reserve. I will continue to carry this for as long and as high up as it takes to get my checking account rectified and my money back. BofA should have locked my cards when I first called them and this never would have happened. The blame is on BofA!!! 

***Under a 19/8 federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. The Consumer Financial Protection Bureau issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission were the bank 's liability.

This financial institution is not providing sufficient explanation and reasonable cause for their decisions, leaving me victimized by Identity theft.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-05
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. (NV)

To whom it may concern, I sent in my disputes to XXXX, Equifax and XXXX to dispute addresses on my credit reports and the arrived to all 3 bureaus by XX/XX/2021. 

In the dispute I stated that the only address that should be on my credit report is the address that stated on my Government Issued Identification. Currently there is more than that address on my credit report. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items were supposed to be reinvestigated or deleted from my credit record within 30 days.

Not only were the inaccurate information not reinvestigated, It was done so by the E-Oscar system that these bureaus use. In the responses I received from XXXX, XXXX and Equifax, they didn't include any documentation of the reinvestigation they did to verify the inaccurate address. 

. 
This is my final attempt of disputing this with the credit bureaus as I have yet to see proof of their investigation of this matter. If the inaccurate name variations don't get removed I will be filing a complaint with the FTC and seeking legal action for every violation that's reporting inaccurate information.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

Beginning Winter of XXXX after requesting my consumer report- I started a dispute THROUGH EXPERIAN for XXXX XXXX XXXX about INACCURATE information on my credit. This information was disputed through the other credit bureaus and was removed due to INACCURACIES and failure to provide proper proof from the creditor. I submitted written letters ( in which I have copies ) that have stated THIS IS NOT MY DEBT. EXPERIAN claims to have done investigations ( which I counted to Dispute for almost a year ) ; this is false. I have requested for proof XXXX, XXXX, XXXX, XXXX Each month multiple times ( written form ). Just recently, XX/XX/XXXX, I came across an email for from the company in which I allegedly have a debt with ; with a EXTREME DIFFERENCE of what was reported which is still inaccurate. This LETTER IS FROM THE COMPANY AND READS FINAL BALANCE. I have done the work for EXPERIAN. I submitted proof that could have been validated FROM THE EMAILS and signatures attached ( including contact info ). EXPERIAN wont allow me to dispute this!!! They will not investigate and have not investigated. I provided documentation to support my argument and XXXX XXXX XXXX HAVE NOT.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

On XX/XX/2021 I submitted a loss mitigation application. Carrington Mortgage made several requests for documents of which I have complied with all. The final request was on XX/XX/XXXX. On XX/XX/XXXX I recveived correspondence that all required documents had been received and a decision regarding my request would be sent within 30 days. On XX/XX/XXXX, Carrington made three additional requests : That I provide the following : 1. Borrower Proof of Occupancy ( displaying my name and address on a Utility bill/cable bill ) 2. A corrected Profit and Loss Statement to remove tenant income/rent 3. A copy of my lease agreement. 

These documents were sent in response to the request. On XXXX XXXX, I received correspondence from Carrington suggesting that my file was incomplete. I called the Mortgage company to inquire as to what was missing and was advised that the the 3 items above were not submitted. After speaking with the representative, she confirmed that Carrington was in receipt of the requested documents. I requested that I received confirmation reqarding the same and was assured that all the requested documents had been received. On XX/XX/2021, Carrington Mortgage sent correspondence indicating that myt mortgage assistance application had been cancelled because they had not received all the documents to complete my review. I called and disputed this and requested that my application be reopened. I was advised that I could send a request that it be done and resubmitted all my prior documents and emails. In response to my request, Carrington mortgage insists that the documents have not met the minimum requirements for a Loss Mitigation Application and to submit a new application. Carrington Mortgage is engaging in unfair trade business practices by suggesting that the documents are not sufficient when I have complied with every request.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bepensa Capital, Inc. (IN)

I, XXXX XXXX, am submitting this complaint on my own behalf and there is no third-party involved. 

Credito Real USA formerly known as AFS is reporting late payments on a customer credit transaction on my credit report which are false. in fact, Credito Real USA is in direct violation of federal law 15 USC 1666b. It states that " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' This Account has been under an open end credit plan since XXXX Credito Real Has Been Using false and Deceptive tactics to collect money from until I was aware of my federal rights. now They will no longer receive money from me and they are now damaging my report.