davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

This is the claim regarding Citibank checking account sign up offer which says if I deposit {$15000.00} within the first month and keep the amount in the account for 90 days, I will get {$400.00} deposited into my account within 60 days. 

I applied online for a checking account using a promotional link from Citibank web page. I was not asked for any code or coupon during the process. I was worried about it but since it's a link from Citibank and the page does mention the offer, I trusted Citibank that would honor the offer if I meet the requirement. 

I applied back in XX/XX/2018 and deposited {$15000.00} into the account right after. I waited until XX/XX/2018 but still didn't see the {$400.00} bonus deposited into my account so I called Citibank customer service over the phone. The representative was very rude and saying I didn't not apply any code when opening the account. I explained that I open the account online and there was no place for me to enter any code. At the end there's nothing they could do and suggested me to close the account if the bonus is all I want. 

Later on I went to a Citibank branch. I spoke with a manager in the branch. After examination of my account, she determined that I should qualify for the offer but she has to submit a claim to the headquarter in order to get the {$400.00} deposited into my account. She also suggested that since I have already met the requirement, I could withdraw my money out and only keep {$200.00} in the account just to keep it open and active. I followed her suggestion. 

Almost 2 months have passed and I still don't hear from Citibank and the {$400.00} is not deposited. I am tired of playing games with Citibank and I am submitting a case here.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX XXXX : BREACH OF TRUST ; Huntington Bank XXXX XXXX XXXX, Michigan XXXX, denied my transaction of depositing my Authenticated Negotiable Instrument into the Trust account which is deceptive business practices and a violation of TITLE 15 USC 1 and Bank Secrecy Act.
Consumer complaint received 2022-02-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc (OK)

Not sure exactly when we applied, but the first time our credit was pulled was on XX/XX/2021. Since then, we have been constantly getting current document 's to send them every few weeks. We paid off collections and shown proof of such ( as stated in HUD 's S184 Guidelines ). They do not fallow said guidelines very tightly. It's suppose to be " flexible underwriting '' but it seems as if they are fallowing whatever guidelines as if it wasn't section 184. It has taken 9 months for a " pre-approval ''. Now they are telling us that we need a pin/stake survey prior and post closing that will cost $ XXXX {$2000.00}, after they told us and set up for a survey post closing for {$450.00} ( they set this up about 5 months into this process ). Now here we are 10 months in and getting conflicted on what the next step is. This process has been very invasive and frustrating. We have submitted all documents that were requested, and saved up more money then what they had told us we needed. After everything that has been asked of us, there has always been more document 's needed and never any good information about whether we are approved or not or what the next step is. It has just constantly been a barrage of " I know we haven't called you in a month so we need another months worth of all these documents ''. This has been very emotionally draining for the last 10 months and we feel like we are being tossed around while they just make up more documentations for us to come up with. There is a huge lack of communication. We will be contacted one day and told we will receive a phone call later that day or the next day and a week will go by without hearing a word and we won't hear anything at all until we call them to remind them that we are still alive. Then it's the same excuse again about getting a call soon, and then another week will pass by, we will call, and they need more paperwork again. I've had better luck getting a phishing email to respond to me then this bank. I get that applying for a mortgage is a very rigorous process but when 10 months ( so far ) could be compressed to 3 or 4 months it is ridiculous. When asked for something we would turn it in within 24 hours. The only time they were waiting on us, was when we paid something off and had to wait for letters in the mail. 

We don't know what else we need to do from here on out. We just want to move forward and get the outcome that we have been working towards.
Consumer complaint received 2023-06-12
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. (NV)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Im requesting from Capital One Any agreement or contract between me or XXXX XXXX XXXX For the account XXXX XXXX XXXX XXXX Or to remove this negative account from my credit report immediately XXXX XXXX XXXX is unknown to me and I dont have any agreement with the company
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc. (CA)

On XX/XX/2021Franklin Collection Service called about XXXX XXXX, I said that item has been taken care of and I have specifically said to not be harassed about it anymore. The Represenative told me to go XXXX  myself. I am represented by an attorney, no lawsuits have been filed as of yet.
Consumer complaint received 2023-03-28
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. (DE)

This is my eight 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

AFTER CHECKING MY OTHER CREDIT REPORTS IT LOOKS LIKE XXXX XXXX DEALER SERVICES HAS REPORTED ME AS BEING 30 DAYS LATE ON MY CAR PAYMENT FOR THE MONTH OF XXXX A PAYMENT WAS SENT TO THEM IN XXXX WHICH THEY POSTED ON XX/XX/XXXX. THEN IN XXXX THEY RECEIVED A FULL PAY OFF FROM MY INSURANCE COMPANY FOR A TOTAL LOSS. THIS PAYMENT WAS RECEIVED ON XX/XX/XXXX. I HAVE A FULL CALL RECORDING OF THE REP FROM XXXX XXXX VERIFYING THIS FOR ME. IF THEY RECIEVED A FULL PAYOFF AMOUNT THAT THEY GAVE MY INSURANCE COMPANY THEN HOW CAN THEY REPORT ME AS BEING LATE WHEN THE CAR WAS PAID OFF. 

THIS IS JUST ANOTHER REASON WHY XXXX XXXX AS A WHOLE SHOULD BE INVESTIGATED FOR TRYING TO COMMIT FRAUD AGAINST A PERSONS ACCOUNT. THEY HAVE SOME ILLEGAL REASON FOR WANTING TO REPORT MY WIFE AND I AS BEING LATE WHEN WE WERE NEVER LATE BY FCRA STANDARDS OF 30 DAYS LATE. 

I HAVE REACHED OUT TO XXXX XXXX XXXX OFFICES AND ONCE AGAIN ON A RECORDED CALL THEY VERIFY THAT I WAS NEVER LATE ON MY PAYMENTS AND YET THEY DO NOT WANT TO REMOVE THE 30 DAY LATE AS THEY KNOW THAT IT HURTS MY CREDIT FOR THAT TO SHOW UP EVEN THOUGH IT IS ILLEGAL AND INCORRECT. 

CALL RECORDINGS DO NOT LIE. THEM CASHING A CHECK FOR THE FULL PAY OFF BALANCE DOES NOT LIE BUT YET XXXX XXXX DEALER SERVICES REPORTS MY WIFE AND I AS BEING 30 DAYS LATE EVEN WHEN NO CAR PAYMENT WAS DUE FOR XXXX DUE TO THE CAR BEING PAID OFF.
Consumer complaint received 2022-02-16
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. (FL)

I lost my wallet while out on the town on XX/XX/2020. Since then I've noticed things on my credit that wasn't done by me. I have made contact with the companies to have removed but no action was taken. I also disputed them with the credit bureau and still nothing.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (IL)

I am writing about a {$50.00} debt that originated from XXXX. 

I paid XXXX XXXX XXXX on XX/XX/2021, and the payment was posted on XX/XX/2021. Unfortunately, XXXX XXXX XXXX claims that I did not pay the {$50.00} and turned the account back over to XXXX. I even tried giving XXXX the confirmation number and the agent claimed that I had to contact XXXX. XXXX keeps referring me back to the collection agencies. 

XXXX turned the account over to XXXX XXXX XXXX XXXX and XXXX placed a delinquent mark on my credit score, which severely dropped. I tried reaching out to XXXX XXXX to inform them that I paid the {$50.00} but nothing occurred and the mark is still on my credit report.
Consumer complaint received 2021-07-14
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. (TX)

Upon pulling my credit on XXXX XXXX I have come to a conclusion that my identity was tempered with for I am not familiar with previously reported errors on my credit profile. I have reached out to Equifax, XXXX and XXXX. Equifax acted accordingly by deleting everything off my credit report except for the Inquiries. XXXX did the exact same thing. However, my biggest problem is with XXXX who continues to ignore my request to delete Erroneous items that I am attaching on here for you to review and investigate further. I am demanding that EQUIFAX, XXXX, AND XXXX remove all INQUIRIES and listed attached so called collections and derogatory accounts off my credit report immediately.
Consumer complaint received 2023-03-28
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)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation (NE)

I did a reservation for a car rental through XXXX XXXX XXXX on XX/XX/2018. The amount was for XXXX. The transaction was cancelled on the same day. For some reason my card was charged in the about amount on XX/XX/2018. I sent in proof to the FI, but they have denied my dispute claim.
Consumer complaint received 2022-02-16
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: Applied Data Finance, LLC (MI)

The account with PERSONIFY with account XXXX been closed for so many years but I kept on seeing it on my credit report. This account has no payment history record. I'm not sure if the 2 Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

I made a paid a merchant twice by accident from my PNC account. Because the merchant was due the money, ( since I was behind ), they denied my request for reimbursement. I then called the bank, knowing that I did not have enough finds to cover 2 payments, they put in several request for me to get my 2nd payment back. Each time I was advised it had been denied. So I opened a case with XXXX   about the merchant. Their findings was that the money was returned when I filed with PNC, asking for the money back. So where is my money?
Consumer complaint received 2019-09-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I called to see if I could lower my monthly payment, I was told no because I have a co-signer on file and was recommend to get my co-signer to be released. My first problem was speaking to representative XXXX is number XXXX who had an attitude and could not provide me with the proper information of if I am eligible for co-signer release, after being on the phone with her for 30 mins, I was frustrated and requested to speak to a supervisor to complain. She put me on hold for 25 mins and 32 seconds additional and I was able to speak to XXXX Id XXXX. Long story short I do not qualify for co-signer release form because I missed one of of 12 months of consecutive payments, I was late by 2 days ( holiday weekend ) of making a payment in XX/XX/XXXX and now I have restart making all my payments for another 12 months. In addition my co-signer does not help me financially, he only help put his name on the application. Long story short I have to come up with XXXX dollars a month for student loans, pay a car note, mortgage and some how provide for my daughter ... I was told there was nothing to be done and my credit score if high enough so I can manage the payment. Just soo disappointed with this educational process.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Date XX/XX/2019 To : Transunion Re : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be removed as set by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX USA # XXXX**** Date of last activity made of this account is well above the 7 year mark and by law must be deleted form credit file. 
Inaccurate information on payment status. Payments showing 90 day late period with no 60 day late period. This is impossible and inaccurate. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (IL)

Wile we were in bankruptcy Wells Fargo listed on our credit report as delinquent with XXXX XXXX credit. We contacted XXXX XXXX and contested the report. The whole mortgage was removed because of bankruptcy protection against derogatory reports against our credit.We filed chapter XXXX and reaffirmed my mortgage with wells fargo.Upon completion of our bankruptcy wells fargo continues to refuse to list our mortgage on our XXXX  credit report. It has been more than 2 Years of multiple calls and letters to wells fargo to no avail.Even complaints to the presidents complaint department didnt help The other two credit bureaus report my mortgage no problem. Only XXXX XXXX who I have contacted and has said its  Wells Fargo Holding our Mortgage data and refuses to release it. This adversely affects our XXXX   credit score and affects our credit and ability to get credit PLEASE HELP! We don't know what else to do
Consumer complaint received 2019-09-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (NY)

I tried to open my account on line on or about XX/XX/XXXX a process that usually has taken me about 30 minutes with several other banks. The first problem occurred when they would not accept my ACH transfer. This was finally accomplished on XX/XX/XXXX because I had to deal with many obstacles & phone calls had to wind up using snail mail twice. At that point, I already had so much time invested I continued to move forward. Once the account was established, I found out through one of the many calls I had to make that the rates & bonus were not as advertised.I spoke with " XXXX on XX/XX/XXXX about all my issues. 
I was so disgusted, I began the process of closing my account. I spoke with " XXXX '' on XXXX about it & indicated I would file a complaint. Because of so many obstacles & requirements, I again had to mail in the request to close my account which I did on XX/XX/XXXX. I also sent a follow-up email concerning my dissatisfaction on XX/XX/XXXX. I received e-mail from XXXX XXXX on XX/XX/XXXX requesting yet more info to which I replied the same day. I left follow-up calls to her voice mail on XXXX & XXXX indicating that if I did not receive my funds by mail or a return call, I would be filing a complaint. My account in the amount of {$16000.00} is still open as of this date.
Consumer complaint received 2024-03-03
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-11-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP (CA)

On XX/XX/XXXX I called agency spoke to the account representative at that time XXXX Whom I made a payment agreement to pay the amount of {$3300.00} in monthly installments of XXXX and the Interest on the act will cease and the {$3300.00} will be the only amount I will pay. I then called I believe two months after to reset the payment arrangement because of financial difficulties to $ XXXX/month to go towards the original agreement of {$3300.00} since then all the payment have been automatically made and in every communication made with the same representative it was agreed the payments were going to the same arrangement then representative left the company when I called to check on my balance on XX/XX/XXXX the account was assigned to XXXX XXXX who informed me there was no such agreement to only pay {$3300.00} and the balance due at that time is the amount that I would have to pay I then disputed the account They never send me anything rectifying the dispute then on XX/XX/XXXX I called to confirm if my balance was paid off because I was only charged {$24.00} Same representative XXXX XXXX informed me there was still a balance due with nothing showing that I was only to pay {$3300.00} in total he then said their system had changed and there was no such notes showing that agreement was made. I disputed the account again then on XX/XX/XXXX I was issued a letter stating I have passed the time I had to dispute the account balance and According to section 809 ( b ) of the Fair Debt Collection Practices Act and the balance at this time which is {$1700.00} is due and collection activity will continue. This is unfair collection practices and we need to put an end to it