davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TN)

I applied for a Citi checking account in late XX/XX/XXXX. I applied under a bonus ( promo code XXXX ) that was being run for 30,000 XXXX XXXX miles if specific actions were fulfilled. I have used the secure chat function with Citi multiple times and been given answers which were never fulfilled. I will document those answers below and have screenshots of the conversations if ever needed. 

On XXXX, Citi chat representative XXXX informed me that I correctly signed up for the bonus promo code XXXX and ensured I understood the required actions. 

On XX/XX/XXXX, Citi chat representative XXXX confirmed that I had completed all actions as of XX/XX/XXXX and would receive my 30,000 bonus miles on or before XX/XX/XXXX. 

On XXXX, Citi chat representative XXXX again confirmed that I had completed the required actions and should have received the bonus. He opened case # XXXX to be reviewed by a Citi team so that my bonus would be paid. He stated I would receive an emailed response in 1-2 business days which never came. 

On XXXX, Citi chat representative XXXX checked on my case # for an update. She asked me to recheck as she believed the miles would have been input ( but they haven't ). She refused to provide a timeline as to when to expect resolution and stated that the 1-2 days would be after the team was able to investigate the issue. I informed her I would wait another week until filing a CFPB complaint if I didn't hear any response from Citi. 

This complaint is being filed on XXXX which is one month after I was told the bonus miles would be given to me. I have reached out over and over, but Citi has yet to ever contact me in response to the account or specific case #. Citi has not fulfilled their obligations as promoted in promo code XXXX.
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NY)

On XX/XX/2018 i sent a certified letter thru USPS to BullCity Financial Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX requesting validation of an alleged debt in the amount of {$1100.00} that they are reporting on my credit profile. The certified letter was received on XX/XX/2018 at their reception desk per USPS tracking number  XXXX and as of today XX/XX/2018 I have not received the requested information and the derogatory item still remains on my credit report. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my credit worthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, i have the right to dispute their claim and request validation of the alleged debt. I also understand that under law they have 30 days from receipt of the letter to verify this item, and that failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that i sent to BullCity Financial SolutionXXXX requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have reached out to XXXX, XXXX and Experian to update my credit profile with accurate information regarding personal information. I have yet to see the changes i requested and as a consumer i have lost hope in these companies because they are not abiding by my rights. Its to my knowledge i have the right to accurate credit reporting
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

OPINION by experience- I am totally disturbed that I a consumer are being incorrectly by them and third party users hence impacting our ability to get favorable finance and if we do at a usurious rate. I submitted another complaint the other day only to receive a warning from this reporting agency my credit use has gone up! FALSE! Their current report shows balances From XXXX!!!!! They are incorrect and get this lower my use of credit and do NOT increase it as they warned! When I dispute they basically kiss me off with they will wait until the bank posts the correct amount. IF this is not fraud then what is? My score has dropped almost 30 pints on illegal and incorrect processing and it is NOT maintained in a timely fashion. When the XXXX is capability, honor, integrity and ethics going to come to this so called agency as well as yours- protection for who- them? Is it not time you stopped professing something you are NOT?
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable following items below : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00} XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Our remittance of US {$170000.00} from XXXX dated XX/XX/2018 still not received by Beneficiary. The Fund remitted from XXXX To XXXX XXXX - via USA.

But HSBC USA holds the fund from more then a month without any intimation to us. Pls find herewith attached SWIFT copy of remittance for your reference & follow up.
Consumer complaint received 2023-07-06
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. (TX)

I am a victim of fraud. Also I have a consumer statement on my report victim of fraud The following companiesTransunion XXXX XXXX XXXX XXXX are giving unauthorized and inaccurate information. Also I have filed these complaints and disputes numerous of times. I did not authorize I did not give any of these creditors access to my report I ask that they remove these following inquiries. I will allow 30 days for my account to be updatedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the credit bureau on several occasions.
Consumer complaint received 2019-04-19
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: EQUIFAX, INC. (TX)

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX/XXXX Inquiry from Sep XXXX XXXXXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX. 
XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my repeated efforts to report these fraudulent listings, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

However, I regret to inform you that despite my persistent attempts, this charge persist on your platform for an unacceptable duration. This not only undermines the credibility of your service but also exposes your users to potential financial losses. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only compounded my frustration. I have received minimal updates on the progress of my complaints, leaving me uncertain about the actions being taken to address these issues. 

As a valued user of your platform, I expect better accountability and responsiveness from your company in combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of charge off account from your platform and enhance communication with users regarding the status of their reports. 

Failure to address these concerns promptly will not only erode the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove this account in my credit file : XXXX  XXXX XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2023-06-24
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. (AL)

Hi, on XX/XX/XXXX I started receiving several inquiries. The inquiries have turned into actual accounts and need to be closed and removed immediately. I added a fraud alert on my credit report on XX/XX/2023. Per the alert, I am supposed to receive a call confirming the validity of each account before it is opened. Two companies failed to do so and failed me as a consumer. The companies are listed below : XXXX XXXX XXXX XXXX XXXX Each company has already been contacted and nothing has been resolved thus far.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

BarclayCard credit card, who I have a credit card account open with, reported 2 months late payment to my credit bureau XXXX. But I never knew I had a balance and I never received any bills. I called customer support and they could not provide me with details as to why they failed to mail the bill to correct address.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My account was behind and I tried to make a payment plan with a debt consolidation company IN XXXX OR XXXX. Capital one REFUSED THIS OFFER and XX/XX/XXXX FIVE YEARS AGO my account was CHARGED OFF. This is still on my credit report and is causing me a lot of issues. With Capital One REFUSING TO HELP ME PAY MY DEBT this needs to be removed immediately since it is over 5 YEARS OLD. TAKE THIS OFF OF MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2019-04-19
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. (VA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-04-19
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: Home Loan Center, Inc. (VA)

I filled out an account on XXXX XXXX, they asked me for my last 4 of my social and stated that it would not affect my credit score. That was a lie. I filled out basic information nothing about my social security number on XXXX XXXX website for a debt consolidation/consultation through clearone advantage. 2 minutes later they pulled my credit with absolutely no authorization. I didnt even give them my social ... ... ... ..please correct. Hit my credit for nothing XXXX ...
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$500.00}
Consumer complaint received 2021-02-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX, I submitted documentation to Navy Federal to open a trust account. I am a brand new customer. 

On XX/XX/XXXX, I received a letter from Navy Federal that an additional signature was needed to a form to open the account. The letter referenced an enclosed trust form. There was no enclosed trust form. I called Navy Federal within the posted hours at the bottom of the letter to explain that there was no enclosure but was told I would need to call back the next day because the trust department in fact had shorter hours than those posted in the letter. 

During this call, I got a voicemail from another Navy Federal member in Washington state that he received my trust documents. He was upset at the disclosure of my personal information to him, which included my banking account number, XXXX, driver license number, date of birth, telephone number, and some details of my trust. He felt bad for me and wanted to let me know what had happened. 

I shared this with Navy Federal in writing and requested a call back from their legal department, asking for an explanation, so I could get a sense of whether the data breach was more wide than the sending of my confidential paperwork to a stranger in Washington state. 

I did not get such a call from legal. Rather, XXXX days later, and after I spoke to a customer intake person at the bank 's call center and also went to a branch in person in XXXX the prior day to emphasize my concern on their sloppiness with key private information, I got a call from a customer service person offering little explanation of the mix up, an offer for reimbursement of a limited duration of credit monitoring, which I would have to take the time to secure on my own and then chase them for reimbursement. I requested credit protection for a considerably longer period, preferably a lifetime protection or protection while I am a customer of Navy Federal ( they first offered 12 months, then 18 months, then a maximum of two years ). 

I need a much more clear explanation of what happened, the chain of custody of my documents, and, frankly, an apology for the lack of care of my personal information. It also would be helpful to know how common this pattern of improper data disclosures is at Navy Federal. It is simply unfair for Navy Federal 's own members to have to ferret out its problems to protect other individual members. 

I also would like to be furnished with credit protections and ID theft insurance that extend past the typical two year period that ID thieves let run before engaging in ID theft.
Consumer complaint received 2019-04-19
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. (IL)

Failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION (NJ)

SN Servicing Corporation has informed me that XXXX XXXX XXXX XXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX is the current holder of the note and the mortgage. 

I am requesting that you provide me an electronic copy of my pay-off letter to reflect charges as of XX/XX/21 The property address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please send the electronic copy of my pay-off letter back to me via the CFPB website with your response. The sooner I get the electronic copy of the pay-off letter the better. 

Right now I have a party very interested in the property and don't want to loose them. 

I have attached the letter from SN Servicing Company Please act ASAP Thank-You
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VIRTUOSO SOURCING GROUP, LLC. (NE)

While Finalizing a Home Refinance on XX/XX/2019 the lender contacted me and stated there was a derogatory entry from a company called Virtuoso Sourcing Group in the amount of {$2600.00}. This company has never contacted me concerning a debt I called them and spoke to a XXXX XXXX would not give me there full name. I requested they verify my Phone and Physical address which they could not do. They would not disclose the details of the debt but would send written correspondence which they have not done. I sent a letter and email demanding proof of debt and that the derogatory entry be removed. They have still not responded to either request, in addition there are hundreds of official complaints and reviews alleging the same conduct. This company is clearly violating federal law with apparently no repercussions.
Consumer complaint received 2023-04-05
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. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block the following accounts : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXXXXXX balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}
Consumer complaint received 2019-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I was loaned {$4900.00} between XX/XX/2017 and XX/XX/2017. I inquired about refinancing the loan or a settlement option. I submitted a claim about a week ago. I received a response back stated that i was loaned {$7200.00} on XX/XX/2017. That information is not accurate and i have the original contract for verification. I spoke with a supervisor at XXXX and she said she doesn't know where that information came from and to make sure that is was references the right company. I ended my conversion with her a call CFPB. The young lady advised to submit another complaint. 

The last complaint ID is XXXX