davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Pursuant to the attached XX/XX/XXXX email bonus offer, I opened a Citi savings account ending in XXXX on XX/XX/XXXX, funded it with a {$100000.00} deposit on XX/XX/XXXX, and maintained that deposit for more than 60 consecutive days, as verified by the attached transaction history for the account. Since I had a Citibank checking account and a Citi XXXX credit card prior to opening the savings account, I met all offer requirements and am entitled to a {$200.00} bonus and an additional {$250.00} special cash bonus. When I did not receive the bonuses, I complained in a online chat with Citibank on XX/XX/XXXX. The 30 minute chat resulted in the submission of a promotion dispute. In the attached XX/XX/XXXX reply the bank stated that it could not find the offer. I note that the Citi 's denial in this instance is identical to its responses to other similar offers in the past and demonstrates its shabby treatment of its loyal customers. Please assist me in obtaining my bonuses totaling {$450.00}. Thanks.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 
XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX  XXXX XXXX  account # XXXX These accounts have 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 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 2022-05-19
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: EQUIFAX, INC. (MA)

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$46000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The amount due that is being reported is completely inaccurate. I make these monthly payments on time and this account is current. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021 between XXXX am - XXXX am a hacker broke into my online XXXX account and using my Chase debit card on file with XXXX withdrew XXXX transactions of {$950.00}, {$1300.00}, and {$3500.00} for a total of {$5700.00}. Then from the credit in my XXXX account that they now had access to, they transferred the funds to a XXXX XXXX which was not mine to purchase cryptocurrency. Additional transactions were attempted the same day in precisely the same format by the same fraudster, however, Chase realized this was a fraud and denied the remaining transactions. Chase notified me by text of the scam and asked me to confirm that it was not me initiating these illegitimate transactions. As soon as I woke up on XX/XX/XXXX, which was memorial day weekend, I notified Chase that I did not initiate the transactions. I immediately called the Fraud hotline and reported the incident. I later sent supporting documentation to Chase which included a police report and my XXXX account showing the money was gone. Additionally, I sent a transaction report of my XXXX account showing all the debits and credits in my account noting that none matched the withdrawals from Chase and transfers from XXXX concluding that I never received the monies withdrawn. My documentation also included a police report of the theft. Chase gave me a temporary credit for {$5700.00} reversing the illegal transaction and said they would investigate. On XX/XX/2021, Chase withdrew the tempory credit of {$5700.00} from my account and said they determined the transactions were legitimate. I escalated with the Branch and they did not change the determinations. I then escalated it the Executive Office and spoke to XXXX there and after redetermination he was unable to give me back my money. They said my case should have been with XXXX. So I contacted XXXX multiple times and they said since I initiated the fraud case with Chase, then Chase has to resolve and that Chase has the final say.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (AZ)

XXXXXXXX XXXX XXXXXXXX XXXX. Has filed a summons against me. They claim I owe {$690.00}. I have not heard of this Agency before. I have not received any letters from the original creditor in the last 2 years. Citi Bank. I have not received any letters from any Debt collector in regards to Citi Bank in the last 2 years. I don't feel I owe this amount. And I want to see the original Amount from the original creditor. Citi Bank. I feel that XXXXXXXX XXXX  XXXX is making up numbers to get more money from me.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX  account number 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 a account without my written instructions
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneyLion Inc. (FL)

I applied for a payday loan from moneylion instantcash for XXXX $ and i got approved for the loan but no money never came to my XXXX account now for the past XXXXmonths moneylion tried to take money out my account it literally just happened again today and i feel like that is not fair and also feel like its a scam i know i was only asking for just XXXX $ but i really needed the help and got nothing now being told i owe and i actually get alerts everyday from XXXX stating that moneylion is trying to take XXXX $ out my account can someone please help me with this problem i still would like to receive my payment i never got
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (PA)

MY DRIVERS LICENSE AND AN FTC COMPLAINT IS ATTACHED TO THIS COMPLAINT FOR YOUR REVIEW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Early Warning Services, LLC (LA)

On XX/XX/XXXX, I spoke with customer service representative by the name of XXXX. I explained to her that I wanted to OPT OUT of my personal information being given to 3rd party nonaffiliates. She ( XXXX ) instead of assisting with my VALID request, she ( XXXX ) asked how did I hear about there company and who referred me. When I answered her question she ( XXXX ) then indicated she could not assist me with my request, as the do not provide Opt Out option. However, according to the law you are required by law ( 12 CFR Part 1016.4 ( a ) ( 2 ) to provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. 12 CFR Part 1016.7 indicates you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 12 CFR Part 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 

As of today, XX/XX/XXXX, I have not received a privacy notice or Opt Out notice from Early Warning Services , LLC. Per 15 USC 6805 and FCRA and as a federally protected consumer, I am requesting to opt out of any and all authorizations reporting of my personal data to anyone without my prior written consent, immediately and permanently. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (KY)

My ex-wife has been using my social security number without my consent or knowledge. Upon completing in-depth research, my Social Security Number had been utilized to check ( at least ) my credit scores on XX/XX/2022 and XX/XX/2022. I have documentation of these two dates, but my SSN may have been used for more than that, as my credit score dropped significantly through one of my lenders. I know this is illegal and want to follow the correct steps to remedy this situation ( fines, cybercrime, etc. ). Her actions have detrimentally impacted my credit score, my financial reputation, and have left me feeling vulnerable, exposed, and worried about the use of my social security number.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I made an ATM Deposit at the chase XXXX branch in NY the amount was {$1800.00} USD but after the investigation they said was only & XXXX. I file a claim since day 1 but chase doesnt help me to get my money back.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (TN)

Experian accidentally deleted my mortgage off of my report and in less than 30 days my score has dropped a total of XXXX points. How can this be fair l? I've called them twice and they said they couldn't figure our how it happened and can not give credit advise. My mortgage was reporting for years from XXXX Bank over {$500000.00} balance and they can just tell me they can not fix? Please assist me in this matter.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously disputed the public record items on my consumer credit profile with the CRAs - XXXX, XXXX, and TransUnion. Each time, the said CRAs responded with the disputed items were CONFIRMED & VALIDATED by the ORIGINAL CREDITOR and or FURNISHER and items were said to belong to me. However, I contacted the US Bankruptcy Court XXXX XXXX of Georgia via AFFIDAVIT of TRUTH to confirm the same. The Clerk of Courts responded on XX/XX/2022 via written letter and stated the US Bankruptcy Court DOES NOT furnish or validate public records items with any of the CRAs. The letter went on to say that the CRAs pull data from the PACER system. The problem is that PACER DOES NOT PROVIDE complete personal identifiers, such as complete social security numbers, in its database to provide 100 % absolute onus and accurateness. The public record information pulled from PACER is not Metro-2 compliant and does contain the REQUIRED complete identifiers required FCRA stated guidelines. The public record items on my consumer report does not comply with FCRA section 611 ( 15 USC sec 1681I ) and the subject CRAs are in direct violation of the FCRA law. I want the public record items deleted immediately.
Consumer complaint received 2022-05-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (PA)

This letter serves as a formal notice of dispute and intent to rescind the consumer credit transaction I entered on XX/XX/2023 for an open ended line of credit involving the acquisition of the platinum credit card Grounds for Rescission : My right to rescind this transaction is based on the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1635 ( a ). This section grants borrowers like myself the right to rescind within the earlier of : Midnight of the third business day following the consummation of the transaction ; or Delivery of the required TILA disclosures and rescission forms.

Failure to Provide Required Disclosures : I have not received all the disclosures mandated by TILA. Notably, I am missing the following : A clear and conspicuous disclosure of my right to rescind the transaction.

A copy of the Truth in Lending Disclosure Statement.

A copy of the rescission form.
Consumer complaint received 2023-07-26
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. (SC)

This is my 14th 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 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 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-19
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: Lendmark Financial Services (AZ)

I applied for a loan on XXXX XXXX to see what my options were without affecting my credit. I was suggested a company called Lendmark financial while on the phone with them I was just inquiring about a loan and did not want my credit pulled. I looked up companies that did soft pulls without applying for a loan and they were one of the companies that came up. After speaking to the representative they told me I could see how much I could get approved for without a hard credit pull, because I was very specific I did not want a hard credit pull. I hung up from the representative and after discussing with my wife I did not want the hard inquiry on my credit report. About 30 minutes later the representative had called me and told me my credit had already been pulled.
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (MD)

I have been charged outrageous fees from this company although I am XXXX XXXX military. They dont actually give the full amount of their loans but add it to an extended fee and pay it off leaving you on the hook for thousands. It is a disguised lower interest rate but they tack on thousands over time putting consumers in debt
Consumer complaint received 2021-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

On XX/XX/XXXX I wrote Fedloan because I had received an inaccurate PSLF tracking statement. I found multiple instances of basic arithmetic errors. After corresponding with Fedloan a few times, on XX/XX/XXXX, they agreed that an error had been made and that my PSLF tracking needed to be reviewed. In XX/XX/XXXX, I submitted my annual employment certification, but since the review had not been completed, I received another erroneous PSLF tracking statement. I continued to patiently wait for the review to be completed. I emailed Fedloan in XX/XX/XXXX and was told they still did not know when it would be done. I checked in with them again at the beginning of XX/XX/XXXX, they still have no idea when it will be completed. I do not think it is unreasonable to expect that blatant and extremely consequential errors in my account should be corrected in the span of a year. 

In the meantime, the Dept of Ed is updating how PSLF payments are counted and Fedloan will soon stop servicing student loans entirely. I am very concerned that when my loans are transferred to a new servicer my records should be up to date and accurate.

I need my PSLF tracking to be reviewed and accurately updated as soon as possible.
Consumer complaint received 2017-10-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK (MN)

I 've advised Discover of the financial situation I am in. If I 'm just one or two days late the calls start up.. at least 4 times a day m-f.. I 've told them I 'm aware of the situation and would like the calls to stop. I 'm assuming they are robo calls.
Consumer complaint received 2023-06-22
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My bank XXXX XXXX XXXX XXXXXXXX ) alerted me that I have been a victim of identity theft. I ran my credit report through XXXX and found multiple soft credit checks from a company I did not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dates checked : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX