davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (UT)

XXXX XXXX ( aka Fidelity Rewards Visa ) promised a {$100.00} cashback bonus as XXXX reward points if I charged at least {$500.00} within 90 days ( which I did ). 

They have not yet provided the points for me to redeem, despite my repeated requests to them to do so.
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I Purchased a flight ticket from XXXX XXXX   for {$490.00}, but unfortunately i was unable to fly so i contacted my bank to get my money back. So they did and i got my money back. 

A few months later, they send me a letter stated that i needed to show them more information in order for the money to stay on my account. I wasn't able to provide any information since the company XXXX XXXX didn't send me the necessary information until XX/XX/XXXX. 

The station manager has told me that i have to contact my bank in order to get my money back since the bank took the money back and gave it to XXXX XXXX. 

I Have sent them the necessary evidence in numerous letters, but all there response is " our investigation is completed. '' Pretty much telling me that they can't help me anymore even after i have sent them the necessary evidence. 

Can you please help me?
Consumer complaint received 2019-10-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Dyck-O'Neal, Inc. (NY)

Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/XXXX 

The second mortgage was owned by XXXX who sold it to XXXX  XXXX XXXX who sold it to XXXX XXXX and then it was service transferred Dyck O'Neal. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title. 

I am awaiting for both XXXX XXXX XXXX and XXXX who is XXXX to provide the proper assignment and/or servicing documents so I can close. 

Please assist me. I am desperate at this point.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX  Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " XXXX, Transunion, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Credit Coll Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX GM Financial has violated my rights.

15 U.S.C. 1681 section A states I have a right to privacy.

15 U.S.C. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, KOHLS/CAPITAL ONE XXXX Date Opened XX/XX/2015 Balance ; {$0.00}
Consumer complaint received 2022-08-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - Charge-off XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX Charge-off
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states that it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX, XXXX, XXXX ( XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX, XXXX, XXXX ( XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, whether it be verbal, non-verbal, written, or implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2022-03-09
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. (NJ)

In accordance with the Fair Credit Reporting, act Receivable XXXX XXXX  XXXX # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I am the cosigner on a student loan for my son. It is with CitizensXXXX XXXX Late XXXX, my son was between jobs and on XXXX XXXX he called Citizens/XXXX to request a forbearance. He spoke with one customer service agent who recorded the conversation and said that he was approved for the forbearance and that payments would resume XX/XX/XXXX. He called again on XXXX XXXX to verify that this was correct. He was told that XXXX was assuming the loan from citizens and to log into his portal because they showed that he was in forbearance. Fast-forward to XX/XX/XXXX. I get a credit alert from XXXX that I was 60 days late on this account. This is the same account that we were told was in forbearance until XX/XX/XXXX. We both called several times and were initially told that they ( XXXX ) did not show any delinquencies and that they would investigate and get it removed. 10 days later I get another hit on my credit report indicating 90 days past due. I had to call on 4 separate occasions to XXXX and I finally got an individual who said even though they assumed the loan from Citizens, it was still SERVICED on Citizens platform and gave me the correct number. Needless to say, it should not have been that difficult to reach the servicer of the loan. 

I then called Citizens to complain as to why as a cosigner I was never contacted either by phone or by mail that the account was delinquent. I was " told '' that I was called and sent mail and they also said that my son received mail as well. This is a false statement. I was never contacted by any method because if I had been, as cosigner, I would have made payments and settled up with my son later. We live at the same address and I am the one who check the mail and would have seen email from CitizensXXXX XXXX The XXXX portal that I have been logging into has no information on this loan that has supposedly been assumed from Citizens by XXXX. I have voicemail on my cell phone to where a voice mail could and should have been left if there had been any attempt to contact me via telephone. I have written and spoken with Citizens requesting a one-time removal of the information because I was never contacted and they swear that I was notified and that they are not removing any information. I made the entire arrear payment that same day that I finally got in touch with the correct lender/department . I also created an online account with Citiznes that same day by which the payment was made. I had been viewing all information via the XXXX website up until XX/XX/XXXX. What is even MORE frustrating is that all the documentation of the contact made by Citizens to me in late XXXX was still in my alert center but ABSOLUTELY NO information, message or email regarding a delinquent status. I am attaching screenshots of the message center of my online account
Consumer complaint received 2019-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Service Bureau Inc (KS)

Received numerous collection letters regarding multiple accounts they allege i owe debt is owed to, have asked for verification to identify the debt, debt verification when produced has not matched known medical records or insurance records i have on file. Asked to have debts removed, debts have remained on my credit report.
Consumer complaint received 2019-04-03
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)

Please see attached ID theft report and FTC report for three remaining inquires that are fraudulent and not authorized on my credit. 1 ) XXXX XXXX XX/XX/2017 2 ) XXXX XXXX XX/XX/2017 and 3 ) XXXX XXXX   XX/XX/2017 thanks these are the remainder of identity theft items
Consumer complaint received 2019-04-03
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. (FL)

Please see attached ID theft report and FTC report for three remaining inquires that are fraudulent and not authorized on my credit. 1 ) XXXX XXXX XX/XX/2017 2 ) XXXX XXXX XX/XX/2017 and 3 ) XXXX XXXX XX/XX/2017 thanks these are the remainder of identity theft items
Consumer complaint received 2021-07-07
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: Financial Credit Network Inc (CA)

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. FINANCIAL CREDIT NETWO, Account # XXXX
Consumer complaint received 2019-10-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I'm a victim of the XXXX wire transfer scam. The amount I lost through US Bank was XXXX Euro.. Dates of the transfer : XX/XX/2019, amount : XXXX Euro XX/XX/2019, amount : XXXX Euro and XX/XX/2019, amount : XXXX Euro US Bank did the wire transfer without checking the credibility of the other bank which locate in XXXX, XXXX. 

When I found out the transfer was a scam, I recalled my wire and US Bank manager said I can't recall the wire because it's been wired. 

I went to US Bank directly to file this case and yet have no response from US Bank? 

Sincerely, XXXX
Consumer complaint received 2020-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (AL)

ProCollect , Inc, Amount : { {$660.00} } To Collection Manager : This letter is the second time to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. However, in order to quickly resolve this account, I would like to see the contract/agreement with my signature and any other supporting document you may have that I have willingly entered into any sort of agreement with ProCollect , INC and if or where I agreed to have business with you or paperwork contracted for myself & ProCollect , INC. I have made several attempts to reach your organization without resolve as each time because I am asked personal information which I do not feel obligated to give out to your representatives as I have no knowledge of being contracted to you in any way. Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. Unless ProCollect , INC can provide proper validation as recognized in FCRA 15 U.S. Code 1692g ALL reported information regarding this account must be deleted from ALL credit reporting agencies immediately following receipt of this letter as specified above. Thank you for your time.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like to request proof of original debt in addition to the original contract that I signed, including providing billing statements for the last several months and the original contract I signed when opening the credit card account with XXXX
Consumer complaint received 2019-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (AR)

On XX/XX/2019, I tried to use my Arvest debit card to purchase about {$50.00} worth of groceries from a local market. My card was declined. I called Arvest and was first asked for the last four digits of my Social Security number as well as a recent transaction amount on my account. After about 20 minutes of waiting, I was told that my debit card had been reported stolen by someone who isn't even listed on my account and was not pretending to be me. I was told this person had reported my card stolen on XX/XX/2019, about five days previous to this. 

I was not informed of this incident via telephone, email, the bank 's online messaging system, nor in the mobile app. I was told that this person would not only need my Social Security number and recent transaction information, but would also have to know my bank account number and my debit card number. This is all quite impossible unless perhaps you work for Arvest Bank.  They are the only institution that would have access to all this information. 

My main complaint is how a bank would allow a person to call and make any changes to someone else 's account without the account holder 's consent. I believe this was an error by the bank to close a legitimately stolen debit card but accessed my account by mistake. This is especially likely since I had been informed the that person who made the report shared the same last name as myself, but whose first name I do not know. I believe the bank simply searched on the last name without getting any verifying information on the caller, found my account and closed my card.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: DISCOVER BANK (MN)

My monthly payment quadrupled unexpectedly due to a year-long delay in processing my submitted escrow paperwork. 

I refinanced my mortgage with Discover Home Loans. On XX/XX/XXXX the personal banker at Discover quoted me at {$390.00} without escrow and {$630.00} with escrow for a 30 year fixed rate. Because this was better than my previous home mortage, I signed off on the documents XX/XX/XXXX. 

I called to inquire about escrow documentation needs on XX/XX/XXXX and submitted my insurance documentation in order to set up escrow to XXXX on XX/XX/XXXX. 

Despite repeated calls on XX/XX/XXXX and XX/XX/XXXX where I was assured my escrow documents were received and my escrow was being set up, my payment was XXXX until more than a year later, XX/XX/XXXX, when it was raised to $ XXXX. 

When I called for an explanation about this change on XX/XX/XXXX, I was told that there was property tax deficiency issue in the escrow and my payment needed to be raised for one year to make up the difference, after which it would go " back '' to XXXX. ( My property taxes were {$3400.00} in XXXX and {$3600.00} in XXXX so there was no unexpected change there. ) I was confused but stayed calm and polite on the phone, and was nevertheless hung up on. I have been making XXXX payments that well exceed my planned mortgage budget, on time, every month since then.
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

on Thursday XX/XX/19 I submitted my pay check for {$520.00} to my bank, they put a hold on it on Friday XX/XX/19. The deposit is still on hold and I have bills to pay. When I contacted my bank to ask about the hold the basically told me to wait it out and that it will expire on XX/XX/19