davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

When I opened this account on XX/XX/2021, it was explained to me by XXXX XXXX on the phone that in order to receive their promo offer, we had to keep a minimum of {$200000.00} in the account for 60 days and then the promo of {$1500.00} would be deposited to the account within the following 30 days ( end of the committment ). That is the way I understood it as well from the print on their website outlining the requirements. I also saved screenshots from that day. 

However, when we called today, 3 months after our account was funded ( and maintained ) with {$220000.00} on deposit, asking why we did not receive our promo deposit, we were told differently : The first person we spoke to said you have to wait 90 additional days, but you can withdraw your money as long as the account stays open. 

Still confused, since we opened the account under a different promise from XXXX XXXX, we spoke to another person at the bank that said differently. He said : no, you have to keep at least {$200000.00} in the account for an additional 90 days and you can not withdraw it and leave the account open to be eligible for the promo bonus. 

Nowhere in the requirements did it mention this being a 5 or 6 month commitment. I took a screenshot of the requirements after opening the account and it implies that it is a 3 month committment. 

My husband and I just want to be done with Citibank forever after they put me through 12 weeks of agony, lost sleep and ruined my credit rating freezing my account for 11 weeks for no valid reason ; sending them 12 forms of ID just to open a saving account, but after what they put me through, no way will I allow them to bait and switch me on their offer, with their unclear contradictory requirements. 

I come from a mortgage banking background where clear and fair disclosure is part of basic compliance. Their disclosures both verbally, and in print are very unclear and their associates contradict each other when we call by phone. 

Regardless of the 3 opposing sets of requirements from 3 different Citibank employees, my husband XXXX XXXX and I just want the bonus offer that was promised to us by XXXX XXXX on the day the two Citigold accounts were opened. 

They may have changed their rules after we opened our account, therefore I can provide screenshots of the requirements from the day the accounts were opened. 

Since they record all of their phone calls, hopefully they can find the recording from the date the account was opened between me and XXXX XXXX where he explained it would only be a 60 day requirement to have a minimum of {$200000.00} on deposit in each account, but to leave the account open for an additional 30 days to receive the promo offer. We would have never opened the accounts if we knew this was untrue.
Consumer complaint received 2021-10-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2021, at XXXX PM, I noticed a man named XXXX who is employed by XXXX XXXX XXXX attempting to illegally remove my automobile from my private driveway. After I had to repeatedly ask XXXX to provide his identification or license information, XXXX provided CA XXXX by pointing at the side of his tow truck. I had already called local law enforcement to the scene. When local law enforcement arrived, the police officers on the scene refused to verify XXXX 's identity and just took the work order on his cellphone as sufficient proof. I later found, XXXX had lied to the police and told dispatch, I banged on his window. The security cameras at my place of adobe will prove that is a complete fabrication. After getting threatened with arrest by local law enforcement, XXXX was illegally allowed to take possession of my automobile. After XXXX and local law enforcement were gone, I searched for XXXX 's license status on the Department of Consumer Affair website; it appears that the license number XXXX provided is not active to his name or industry. Pursuant to 15 USC 1692c ( b ) I did not give XXXX prior direct consent for communication. XXXX infringed on my right to privacy and terrorized me when he possessed my property without my consent.
Consumer complaint received 2021-10-26
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. (LA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc. (FL)

I saw a report on my credit history of an account on collection and a derogatory mark on my credit without even knowing about debt, that happened on XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that I owe an x amount to a cellphone operator which I didn't know I had without even giving me the chance to review it.
Consumer complaint received 2021-10-25
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: Bread Financial Holdings, Inc. (NJ)

I received a call from XXXX for an application i did not initiate for credit. This prompted me to check my credit upon doing so I discovered an inquiry from Comenity for a XXXX credit card. I called on XX/XX/XXXX and spoke to XXXX she refused to help. Today XX/XX/XXXX I received a letter from Comenity see attached, again i call and tell them this fraud they refuse to help me. They want me to confirm my social and date of birth when these are clearly the missing pieces and if i provide this will complete the fraud. They refuse to help even though i am giving them app number off if their letter and am telling them its fraud. I did not initiate this app please cancel and withdraw inquiry from credit bureaus. What does someone have to do to get a bank to listen that an application is fraud
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2019-09-23
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. (GA)

I was denied a personal loan through my bank because of bad credit I have been at my bank for over 12 years and was confused, When my credit report was pulled, I noticed several things that dld not belong there because It wasn't me. I got the police department and FTC involved. XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-09-23
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)

I was denied a personal loan through my bank because of bad credit I have been at my bank for over 12 years and was confused, When my credit report was pulled, I noticed several things that dld not belong there because It wasn't me. I got the police department and FTC involved. XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (OH)

Ally Bank has not transferred the money from a CD to another bank despite meeting their every request. Every time I comply with their request they require an additional information. I have spent hours with them on the phone. It appears to me that this may be a failed bank that doesn't have money to wire out. I've talked to three different people over eight days and each time I'm told a different story. I offered to drive to Missouri from XXXX, Ohio where the bank is located but the bank people I spoke with say there is no physical place to present myself. The Ally Bank website says they wire money out money the same day after verification. The people at the bank always create a new roadblock. I faxed my driver 's license to them and received a verification from my fax system but they said they can't locate the fax. Then they told me it takes them 24 hours to receive a fax. The next day, after 90 minutes on the phone with the bank people they told me I have to know the phone number the fax was sent from. My fax is attached to my office phones and its a roll over system so I don't know the fax number. Then they told me my signature doesn't match my driver 's license signature so I had to sign the form again like the signature on my license and send it on their " secure '' email system. XXXX ( employee # XXXX ) ALLY floor supervisor, said he doesn't know who regulates his bank.
Consumer complaint received 2021-10-25
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: DISCOVER BANK (CA)

A merchant, XXXX issued a credit of {$34.00} to my Discover card XXXX on XX/XX/21. I received an email confirmation from XXXX of this transaction on XX/XX/21. XXXX XXXX is a closed account, so Discover has to transfer the credit to my current account, but is unwilling to do it. 
I made two formal complaints with CFPB XX/XX/21 and XX/XX/21 regarding this issue. Discover 's response to the first complaint was that they didn't have a record of my having card XXXX, so they couldn't return my money. Discover 's response to the second complaint is that they do have a record of card XXXX, but there is no credit of {$34.00}. 
I have confirmed with XXXX on two different occasions, XX/XX/21 and XX/XX/21 that the credit was issued to Discover card XXXX since XX/XX/21, so it does not make sense that Discover does not have the credit. 
Discover 's policy is that they transfer credit from closed accounts to current account within 72 hours. This has not been my experience with Discover. They have never transferred credit from a closed account to a new account within 72 hours. I have always had to call in to initiate the transfer process after waiting for a month without any action from them. If I didn't call, I would not have received the credit. 
Discover continues with this deceptive practice to avoid crediting consumer 's account. 
My credit has been with Discover for two months and it still has not been transferred. I called the merchant twice regarding this matter, each time they confirmed the credit was issued to card XXXX on XX/XX/21. This leads me to question Discover 's conclusion that they don't have the credit in their system. In addition, I wonder if Discover ever called XXXX during their investigation.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (FL)

Well I applied for XXXX XXXX  ( a night job ) and they did a background check and something came up and with that job I dont see how that was a issue and now I want to dispute it
Consumer complaint received 2021-10-25
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank/Care Credit charged off my credit card account. They report it to the three credit bureaus as a charged off account under the name Synchrony Bank. Yet Synchrony Bank outsourced the collection of the debt to XXXX XXXX XXXX. I paid the account to XXXX XXXX XXXX in full on XX/XX/XXXX  with a payment of {$210000.00}. However, on XX/XX/XXXX  Synchrony Bank still shows the debt as outstanding, and is still reporting a balance of {$2100.00} to the three credit bureaus. This is an egregious delay that is causing me to incur significant damages.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been a B of A customer for over 30 years and the service has been unacceptable. Someone had accessed and wrote a check {$1400.00} from my checking account checking account XXXX. I reported the fraudulent charge in XX/XX/XXXX. Afterwards, Bank of America closed my old checking account I had for over 30 years and opened a new account XXXX and reimbursed the amount to my new account. In XXXX I started receiving bank recorded messages to my phone that my account is overdrawn. I called and the B of A agent told me to disregard the messages and they made an error and everything should be taken care of. Interestingly, I show back in on XX/XX/XXXX they put the {$1400.00} back on my account but placed backdated in on XX/XX/XXXX. Each time and put on hold for an hour I call they tell me to disregard, but I still receive messages. It's been over 6 months and I never receive an answer. 

I keep receiving messages that my account is overdrawn and the agents told me to disregard the messages.
Consumer complaint received 2021-10-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

I have four commercial loans with a bank XXXX XXXX, Ca ( apartment buildings ). I am behind on all four loans due to tenants not paying on time due to covid. I am requesting my bank to lower my interest rate, reverse all late fees since XXXX, not to report late payments to the Credit Bureaus, and put all late payments on the back end of the loan.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (CA)

According to usc 1681a under exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Consumer meaning individual ( me ) and person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). I would like to have the late transactions removed from my report immediately. Milestone  late payments I would like removed.
Consumer complaint received 2020-12-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (TX)

I had taken out a personal loan and have gotten into a financial hardship due to my roommate losing her job due to Covid and not able to pay her part of the bills. I have let them know that I have falling into the hardship and working on trying to get them paid but right now I cant. I have received several phone calls at my job. I have asked them more than once not to call me at my job as we are not allowed to receive any type of personal calls. I have asked XXXX the manager to quit calling me at my job and she has continued to call me at job.
Consumer complaint received 2022-10-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In accordance with the Fair Credit Reporting Act, Bank of America Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 further states that a consumer reporting agency can not furnish an account without any 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 any purpose.
Consumer complaint received 2021-10-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XXXX we were with Bank of America ( BOA ) and had a modification started. In XXXX we signed documents prepared by BOA to do a CLT mortgage and reduce our mortgage by {$27000.00}, and giving that security instrument to the Secretary of Housing and Urban Development to hold. This modification took from the signing of those documents XX/XX/XXXX until XX/XX/XXXX ( signing on XX/XX/XXXX ) to complete. We signed on those papers ( prepared by BOA ) XX/XX/XXXX, but since it had been 2.5 years since signing the original documents we did not realize that these documents put BOA as the holder of the modification mortgage and the amount was {$27000.00}. There was only one reduction made to our mortgage, otherwise they would have just allowed our mortgage to be reduced by over {$54000.00}! Our initial loan in XXXX was for approximately $ XXXX so that would have cut our mortgage into less than half at that point. 
Fast forward to now, XXXX, and we are in the process of selling our home and buying a new one. All ready to close. The title company notifies us of of liens listed and we find that XXXX XXXX and XXXX XXXX has a lean and BOA has a lean, for the amounts previously listed. We are unable to close because of this, and we should have closed a month ago. I have been in contact with BOA trying to resolve this for a month. The past two weeks I have made daily calls. I have been lied to about documents, being told there was a lien release sent when there wasn't. I was told that they don't have a lien on our home, then they send me a pay off statement for the lien they stated they didn't even hold. They state they have no record of the initial documents signed in XXXX. I have been lied to and shoved to many people within their call center. I am now working with a manager and sent her all of the documents showing that BOA prepared both sets of documents. I'm awaiting those results, but am not confident that a resolution will be come to in a timely fashion. If at all. They are jeopardizing the sale of our home and the purchase of our next home with their inability to fix their massive mistake. I was told by my lender to reach out to CFPB for assistance in this.
Consumer complaint received 2021-10-25
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: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft for over 4 years. Someone has consistently use my information to fraudulently obtain accounts including bank accounts, loans and cars. The bureau has all of the information pertaining to these incidents, yet the accounts are still on my credit. One account was removed previously and is now being reported again. The person that is using my credit is believed to be a family member. I have sent in updated police reports as well as FTC reports to document these incidents. I want these fraud accounts removed from my credit immediately.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.
Consumer complaint received 2022-10-30
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. (FL)

I have sent multiple letters to all XXXX of the credit bureaus and even the XXXX XXXX the company. The laws states that all XXXX bureaus have to report accurate information and in this case that is not being done. XXXX has me opening this XXXX account XX/XX/XXXX where XXXX and Equifax have me opening this account XX/XX/XXXX. Right there that is a problem because I couldn't have opened this account on XXXX different days. The even bigger problem for me is that all XXXX bureaus are reporting different dates for me making my last payment. XXXX is reporting my last payment on XX/XX/XXXX, XXXX is reporting my last payment as XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. There is no way possible that all XXXX of these different last payment dates are correct.