davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I opened and funded a savings account and a checking account with Citibank based on an offer I received promising a {$1500.00} bonus to do so. 

The accounts were opened on XX/XX/XXXX. The accounts were funded by XX/XX/XXXX. I believe that all the conditions of the offer were met. No bonus was ever received. 

On XX/XX/XXXX, I had a telephone call with my Citi account representative, XXXX XXXX, about the missing bonus. She requested that I e-mail documentation about the offer to her. 

That day, XX/XX/XXXX, I sent the requested e-mail to XXXX XXXX, including attachments describing the offer and the bonus. 

After hearing nothing, I sent a follow up e-mail to XXXX XXXX on XX/XX/XXXX requesting a status update. 

After no response, I sent a letter via USPS to Citigold Client Services on XX/XX/XXXX requesting a status update. 

To date, I have had no response from Citi, and have not received the bonus for opening and funding the accounts.
Consumer complaint received 2022-07-27
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)

In accordance with the FCRA XXXX Account, 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. 

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Moreover, the account does not belong to me. This is willful disregard of the FCRA. 
A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. Metro 2 reporting guidelines state : Accounts reported in error must be deleted.
Consumer complaint received 2023-03-29
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. (AZ)

Recently wrote a letter to all three credit bureaus inquiring about bankruptcy on my reports, ask them to verify that those were mind. My id we're stolen years ago and that information needs to be corrected and removed from my credit profile ; TransUnion has failed to verify that it was me, there negative info came from a third. The does not report to any bureau it is a violation of the rules please help me with all of the agency.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-03-29
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (TX)

I move to a new home in XXXX XXXX. I had to buy new home office and home furniture and for business I applied for Chase United Mileage Plus card. 

My business card was put on hold due to them requesting my address info and beneficial owner who is my wife, i.e her address info. 

I provided my temporary Driving License which I got online when I applied for change of address with DMV. I also uploaded to their portal my home deed which showed both me and my wife 's name and new address. 

I got second email from Chase again asking for uploading the new address even though the first was very legible without zooming. I called the agent and agent said that the address was legible and the agent confirmed that address looked good. The agent then asked for my wife 's SSN number to be uploaded to proceed with application. This SSN was also added in business application and Chase had record of it. I protested that this is not making sense to request copy of SSN and wanted Chase to send me an email requesting SSN. The agent said they can only send two emails and then they will need to send letter.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

I have been trying to remove my mortgage insurance with my Loan Servicer. I have a conventional loan and have had this loan for over 2 years. My value has increased greatly and my equity has increase to a point that i could request to petition this MI with a new appraisal to show my current value. I started this process in XX/XX/2018 and they have not replied back to me by letter or phone. I called the company on XX/XX/2018 and spoke to a customer service person and then a supervisor. I was told that they would have an appraiser contact my within a week and help me take care of this. As of today the XX/XX/2018 i have not had an appraiser call me. The company has called me and when i call back they tell me this is still pending. I can not get a straight answer from them and i feel like they are taking advantage of me. My father is a real estate appraiser and my mother is a loan officer and they know the rules regarding the removal of  mortgage insurance.
Consumer complaint received 2018-09-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (PA)

Originally the debt was claimed to be a school debt. No documentation was provided after repeated written requests. I sent a certified letter as well, asking for the correct information from the original claim to prove it was mine. Debt Recovery Solutions has not provided any documentation to show it was truly my debt and they would not disclose how much they bought the debt for. I found out that the original debt was written off from the original school. 
They did not respond within the 30 days as requested in the letters. I did attempt to settle the debt with the company. 
The debt then was CHANGED to a " medical '' debt on my credit report for the same exact amount. Currently, the debt shows up on my credit report as a student loan again ( as they changed it again ).

XXXX has removed the dispute on my credit score but it still shows up on the XXXX credit report. 

The Debt Recovery Solutions ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX needs to be investigated. This has hindered my ability to purchase a home due to the dispute showing up and because of the amount of time they have waisted not responding to my letters. Thank you.
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. (GA)

This is my XXXX 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-17
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. (OH)

I have attempted to resolve this matter over the phone and by mailing Equifax back their very own Research Request Form in XX/XX/2021 informing them of this inaccurate information listed. Such as accounts, addresses, allowing soft inquires etc. I do NOT and did NOT give oral, nor written consent to Equifax 15 USC 1692c ( a ). Equifax has taken it upon themselves to take on a role with my non-public information to be displayed for the world to see 15 USC 1681a ( 3 ). Equifax did not exercise their grave responsibility, they are using unfair, partial and did not respect my right to privacy 15 USC 1682a ( 4 ). I never instructed Equifax to furnish a report, nor did I instruct Equifax to create a report. Equifax has no Permissible purpose 15 USC 1681b. I have lost out on opportunities on providing better for my family due to Equifax fraudulent actions and lack of due diligence on validating the accuracy of my nonpublic information to begin with. This has caused mental anguish, my valuable time and money in attempt of resolving this matter. There's is only one Bureau and that's the CFPB whose job is to ensure these vultures does not abuse me a living being, the consumer. I the consumer is protected by laws put in place by Congress and I will make sure Equifax is held civilly and criminally liable for the damages they have caused.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

An XXXX check for XXXX was deposited by mobile phone on XX/XX/2018 and the bank put a hold on it until XX/XX/2018. The funds will be unavailable until then meanwhile the bank can use our funds with out paying interest on that amount. These funds are for reconstruction of the water damaged kitchen and are desperately needed.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (WA)

I received an email about referral bonuses. The email states that I will get XXXX cash back for each friend who gets the card. The person I refer will earn XXXX  cash back after they spend XXXX in the first three months their account is open.When I send the link to a friend it tells them they will get a promotional offer of 3% cash back and switches the offer with no mention of XXXX cash back after they spend XXXX   in the first three months their account is open.This appears to be a bait and switch promotion which is damaging my reputation because I advertise something to my friends and colleagues that isn’t true due to Chase Banks false advertisement.
Consumer complaint received 2019-09-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

According to American Education Services, the current servicer of 3 of my private loans, my interest rate on my loans is calculated using the LIBOR rate. Specifically the company claims to use the LIBOR rate from the XXXX XXXX XXXXl Eastern Edition. However, when I google exactly that "XXXX XXXX   XXXX Eastern Edition LIBOR rate" I get to the XXXX webpage and find that there are 7 different types of LIBOR rates....LIBOR overnightLIBOR 1 weekLIBOR 1 monthLIBOR 2 monthLIBOR 3 monthLIBOR 6 monthLIBOR 1 yearConsequently, the LIBOR rate for all of those are different from one another. AES is not transparent with me in which LIBOR rate it is using to calculate my interest rate. Furthermore, upon requesting the last 5 years of the LIBOR rate that was used to calculate my interest rate, they instead send me the past 5 years of my personal loan interest rate (not very helpful at all). Frankly, AES has been unwilling to be transparent about which LIBOR Rate is used and has not been willing to show me information about the LIBOR rate history the company has used in the past 5 years to calculate my interest rate. I find this to be unethical and unfair.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I was at JCPenney store XXXX on XX/XX/19 at approximately XXXX XXXX. The cashier, XXXX, asked me if I wanted to save 40 % by opening a JCP credit card account. She said it would take 5 minutes or less. I entered my personal information on the credit card keypad in front of me as part of the application process. One part of the application had me enter my SSN. The next screen had me re-enter my SSN to confirm the correct number. At the completion of my application, I was initially declined a JCP credit card as an account holder named XXXX XXXX had an account already opened using my SSN. I became alarmed and told the cashier that my SSN was being used fraudulently as I was totally unaware of the existence of a JCP credit card account which incorporated my SSN in the name of XXXX XXXX. After the cashier telephoned a customer service agent, she handed the phone to me during which I explained my concern that my SSN was linked to a JCP account unbeknownst to me, in the name of XXXX XXXX. The customer service rep stated that she was going to put me on hold while she transferred me to fraud control. However, after approximately 5 minutes, the same customer service rep came back on the telephone and told me that a fraud alert would be placed on the XXXX XXXX my SSN account and it would be investigated. She then stayed on the phone with me while we ( the cashier and I ) again attempted again to open an account in my name with my XXXX. This time I was able to open the JCP credit card account. I completed my purchase under my new XXXX Credit Card account number. Before terminating the phone call with the customer service agent, I inquired about the fraud investigation process. The agent stated that the credit card fraud department would be contacting me. As of this date, no one has contacted me regarding this matter and Im concerned that my social security number was used to open a fraudulent account which may still be currently active. I am concerned that no attempt to reach out to me from JCPenney or their agent has been made in a situation which I find very concerning and which potentially involves my credit score/report and my identity.
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (PA)

I found out tonight that there is a blemish on my credit report for a debt in collections. I never heard of this collection agency, who claim I owe a debt to a cable company, XXXX. XXXX did quote me a cost, two years ago, then raised the cost without my knowledge, added “late fees”, and continued to be a problem over-charging me to amounts I never agreed to. I made many calls to attempt to get this corrected, to no avail.I discontinued the cable service over a year ago, as I recall.The cable co is deceitful, and so is this collection agency who nevet contacted me.
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

XXXX XXXX XXXX XXXX amount of XXXX XXXX   original debt was for XXXX XXXX I and currently an XXXX insured driver with no late balance XXXX XXXX has never sent me and mail saying why I owe I also went through there website filling out proof of being in good standing with XXXX and never heard back .XXXX hosptial XXXX XXXX XXXX XXXXHave not received any call or letters for this debt!Portfolio recovery associates XXXX XXXX XXXX amount of XXXX no contact by mail or phone account is old and closed
Consumer complaint received 2019-09-10
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: Kentucky Higher Education Assistance Authority (FL)

According to the FCRA (Fair Credit Report Act) I requested the company to prove I signed a loan with them and there is no signature and the address is incorrect on the form as I never lived in Florida. This information is wrong and I would like both accounts removed from my credit file.
Consumer complaint received 2019-09-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX had an OPEN LETTER OF CREDIT account, BY ACCORD & SATISFACTION with Bank of America, and which XXXX XXXX XXXX XXXX. CORPORATION CEO issues Signature Dollars in United States Currency Notes, that Float freely, that are EXCHANGED INTO THE FEDERAL RESERVE PROMISSORY NOTE CREDIT, to XXXX Balance account of any Debt/Debit but Bank of America, act not in Honor of my qualified Signature upon their Application to lay on my Signature Dollars in United States Currency Notes, that are swapped into Federal Reserve Promissory Note to Settle any Debt/ or Debit of my Dollars in United States Currency Note. I mandate that Bank of America honor the Closed Account debiting and crediting sum totals to XXXX Balance any Account from the ISSUING OF SIGNATURE DOLLARS IN UNITED STATES CURRENCY THROUGH THE CLOSED ACCOUNT.
Consumer complaint received 2019-01-15
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. (AR)

I submitted XXXX XXXX XXXX a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to XXXX. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.
Consumer complaint received 2018-05-04
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. (IL)

On XX/XX/XXXX I submitted a letter to Equifax to investigate the list of inquiries that are currently listed on my credit report. I have received a letter from Equifax dated for XX/XX/XXXX explaining that the list of credit inquiries " are not currently reporting on the credit file ''.

I waited the toward the end of the month to pull an updated credit report from one of the monitoring provider I currently pay for. I pulled my Equifax report and there was no change to my file. The same list of credit inquiries are still being reported on my file.