davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

See complaint # XXXX : " On XX/XX/2021 I initiated a transfer of funds, {$1000.00}, from my previous bank account with XXXXXXXX XXXX to Citibank Online. I had opened a checking account on XX/XX/2021 with Citibank Online. On XX/XX/2021 I had tried to transfer more money into the account only to receive an error saying that Citibank was not responding. Upon checking my email following the above, I filled out a documentation form requesting my drivers license and a proof of address. After this I called customer service for Citibank. I spent the next four hours speaking with various customer service representatives over the phone and using the chat function on the Citibank App. I was informed that my account had a hold on it for a {$0.00} transaction that was only visible to the customer service representatives, and not to me. Thus my account is under investigation for next 7-15 business days. With no way to resolve it. I was also told that I could not expedite the process, even though all funds I possess were in that account. I was also informed I could not transfer my funds out of the account, nor access them in anyway until the department was finished with the investigation. I was never able to speak with a supervisor or manager upon request to verify this information, though I requested to do so multiple times. My money is on hold for no discernible reason. I also was hung up on by customer representatives multiple times, and treated without care or resolving my issue. I was also refused the number of the team that would actually be resolving the hold on my account, being told that the " backroom team '' would be taking care of it. '' Above is my former complaint. 

I have contacted Citibank on XXXX via phone to get them to review my account documents. They have refused to do so, and have been unwilling to connect me to a manager.

I was connected to the Executive Response team late last week, around XX/XX/2021, and told they would help resolve my problem. This week, on XX/XX/2021 and XX/XX/2021, I have contacted both the Executive Response Team and the Fraud department with citibank. My account and documents provided have still not been reviewed and my complaint has not been meaningfully addressed. They have also gone beyond the 7-14 business days they promised my account would be reviewed within without making any progress whatsoever.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

The vehicle was at the creditor dealership getting maintenance. The mechanic left the oil cap off, causing the motor to seize. It was under their responsibility and will not claim it. They originally said they would take care of the loan. However after returning the car, they still reported it as a repossession and this is incorrect information as they assumed full responsibility. They will not return phone calls nor will they return emails.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Both Experian and XXXX  continue to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a Chapter XXXX   bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing  date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted Experian, XXXX, and XXXX with my dispute. Experian was contacted in XXXX and XXXX of XXXX. XXXX   was contacted in XXXX and XXXX of XXXX. Experian and XXXX state their investigations involved following up with XXXX and XXXX told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to XXXX detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, XXXX has not responded to my letter. I have never received an explanation from Experian, XXXX, or XXXX as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the Experian and XXXX credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX   bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX   was discharged.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Bank charged {$36.00} overdraft fee on account for me paying my electric bill, which unknowingly overdrew my account. 

DATE : XXXX XXXX Description : ELECTRONIC/ACH DEBIT WITHXXXX XXXX XXXX XXXX  XXXX XXXX Withdrawals : - {$88.00} Balance : - {$23.00} Description : OVERDRAFT ITEM FEE FOR ITEM {$88.00} WITHXXXX XXXX XXXX XXXX XXXX Withdrawals : - {$36.00} Balance : - {$59.00}
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: KEYCORP (NY)

Key bank benefit card. My account has been hacked twice someone has been doing wire transfer on the internet and they stole my money it took me almost a week of being on the phone for hours and hours only to have the phone hang up. They kept giving different departments I kept getting different information from each call. Finally I get a new card 2 weeks later, it happened again 2 days later not only did they steal the refund they gave from the it happening before but my current payment as well I had to go through the same thing all over again I was told so many different things I need to do. One phone call I was told my information got leaked on the internet because key bank benefits got hacked and all my personal information is on the internet and the person told me your information has been exposed to the internet I just deleted everything so youre account is fine and told me my new card ( 2nd ) will arrive in 10 to 15 business days. They I got transferred to the disputed department and I told them what was told to she said thats not possible we dont have the ability to do that and told the I was lied too that there is nothing that they can do but keep disputing it. So I went to get a different bank account I tried to log in to what was told to me and it would not accept my mom madden name I called again we went though it and it still would not work I was told it had been reset I tried and would not work so Im stuck with KEYBANK BENEFITS and nothing havent been done about it so every weed I dont know if I will receive my unemployment benefits. I had to purchase identity theft program. All together it was {$1500.00}. Can u please help me. Thank you for your time.
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I bought a custom t shirt from a business. On XX/XX/XXXX I also bought a XXXX wreath from this business. I reached out to the business in XXXX and they told me they were not able to start on the wreath. I told than it was fine if I received it a few days after. On XX/XX/XXXX I still had not received the wreath. I tried contacting the business for a refund. They ignored my messages via XXXX. So I decided to file a claim with wells Fargo. In XX/XX/XXXX I called Wells Fargo to see the status of my claim. I told them that the business ( XXXX XXXX XXXX ) had been harrasing me via email. They told me to block the business from contacting me and they were going to close this dispute and issue me a credit. I got a call on XX/XX/XXXX from Wells Fargo saying that they actually denied my claim. I never received these items and in total I paid {$200.00}. The claim I failed was only for {$100.00}. So not even the full amount I paid because I paid half of the wreath with my other bank account. Which I am now disputing with XXXX. I reported the XXXX XXXX XXXX business to the XXXX. I just want Wells Fargo to issue my refund
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

URGENT MATTER SEE ENCLOSED HSBC BANK XXXX AND ITS COLLABORATORS FRAUDULENT ACTIONS TO EVICT ME FROM MY HOUSE ON XX/XX/XXXX - WHILE NEW YORK STATE HAS A MORATORIUM FOR XX/XX/XXXX. 

I filed complaints with CFPB multiple times - HSBC Bank XXXX continue to lie and deny the facts. Please see below previous document submitted, and now re-submitted. 
Please see newly submitted documents ATTACHED also whereby HSBC Bank violated multiple FINANCIAL LAWS INCLUDING RICO .... 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC IS BARRED BY FRAUD - FOR FILING HOME FORECLOSURE ACTION AGAINST ME. Heres foul-proof/consummate proof that HSBC bank XXXX had INTENTIONAL plans to defraud me prior to XX/XX/XXXX. I have doled almost {$400000.00} to HSBC and there is no proof of them PROPERLY ACCREDITING SUCH FUNDS ON MY BEHALF. See HSB via XXXX XXXX XXXX XXXX, fraudulent use of the FBI logo to bully and intimidate me. HSBC intentionally, violated TILA, False Claims Act, Committed Financial Fraud, Mortgage Fraud, and my civil rights as they ignored RICO in the process. The fraudulent loan was obviously table-funded/ Hence, 1 dont know if all the moneys I have paid HSBC so far has been properly credited. Whereby, I have requested original documentation from them on numerous occasion -to no avail and HSBC also ignored Federal laws. HSBC intentionally defrauded me beginning on XX/XX/XXXX, prior to them giving me an assumed loan, interviewers name XXXX XXXX XXXX by assign MERS. Please note that i have additional multiple pieces of evidence to support my claims but i could only upload 4 docs. Ap # : XXXX MERS NUMBER THEY ASSIGNED TO ME FROM XX/XX/XXXX See also HSBC letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Retail team 03, loan processor ), once more with MERS number XXXX See form " Direct Endorsement Approval for a HUD/FHA- Insured Mortgage '' pg. 3 of 4 with an approval date of XX/XX/XXXX with MERS number XXXX and XXXX XXXX XXXX signed off as HSBC Bank mortgage representative underwriter. Also, on the said form see HSBC fraudulent claims as lender in the shaded box to the left, and theres NO LOAN NUMBER FROM HSBC TO LINK THEM WITH THE FICTICIOUS LOAN IS AFFIXED on the form. See " Borrowers Certificate : pg. 4 of 4, dated XX/XX/XXXX and XXXX XXXX XXXX signs as lenders officer, MERS number XXXX is affixed, and Borrowers signature space is BLANK
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also XXXX XXXX and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.
Consumer complaint received 2018-05-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (VA)

Commonwealth Financial has been reporting on my credit for over 8 years- each time its a different amount different medical debt that Is not mine. I will disputes this and then random may they will take it off my credit and put it back on my credit in either the same debt that was taken off or they will report anuther amount for another company- I have repeatedly disputed this-and they continue to add debt to my credit.

Sending me bills with unknown account numbers-and now the representative that is the contact on the bottom of bill-has the name of my son-which is not common last name- and now could be identity theft.

Statue of Limitations is valid and this company is breaking the law.
Consumer complaint received 2019-08-30
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)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my experian file to avoid further litigation. 


I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the Crime Fraudulent Information on Credit Reports FTC Report Number : XXXX First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX USA
Consumer complaint received 2022-11-13
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I initially contacted MOHELA on XX/XX/22 to receive reimbursement for my student loan payments made during forbearance. I was told my reimbursement would be received via direct deposit up to 30 days. Currently as of XX/XX/22 I have not received any deposit to reflect my request. 

I have been attempting to contact the servicer to request an update on this matter but customer service is unreachable due to unrealistic wait times. The call menu is a blockade of automated messages followed by confusing selections to be added to the waitlist of callers. Once added to the waitlist the wait times have been XXXX minutes or longer. I have had no ability to speak to a representative due to this.
Consumer complaint received 2021-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (VA)

On XX/XX/2021, I submitted the final payment to the Upgrade Loan Company to payoff an installment loan. The payment was for {$460.00} for the outstanding balance. The original loan for {$2500.00} was paid in full. 

On XX/XX/2021, Upgrade charged my checking account an additional {$100.00} for the loan. Upon making contact with Upgrade 's customer service center, I was advised that they had no record of the deduction and that I should contact my bank for verification. They were advised that the deduction was made by Upgrade and documented in my account. Upgrade requested that I provide them with a copy of my checking account statement showing the aforementioned deduction.

It should be noted that there are no options to provide such documentation of the Upgrade website. 

I have requested the return of the excess {$100.00} to no avail.
Consumer complaint received 2021-04-14
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. (MI)

I am a XXXX year old female living off a fixed income with a common first and last name. I XXXX my name and found there were 100 more individuals in Michigan with the same first and last name. 

On XX/XX/2021, TransUnion reported there were 3 collection accounts past due lowering my credit score XXXX points. I have been disputing same 3 collection accounts for past 2 years. Each time TransUnion indicate they have investigated and verified information by forwarding dispute to alleged collection agency. I have 8 accounts, all with on time payments. I question the veracity of how TransUnion investigative skills. It is apparent that contacting the alleged collection agency opens the door for fraud. I have provided my correct mailing address, provided copies of my marriage license, drivers license, affidavits, yet the erroneous information reporting from Transunion have continued for more than 2 years. Furthermore, I question how an erroneous collection account can be past due after appearing on my credit report for more than 2 years? I have been a victim of ID theft at least 3 times due to TransUnion reporting.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants and Professional Bureau, Inc. (TX)

Merchants and Professional Collection Bureau Inc, continutes to send me letters attempting to collect on an old debt that is over 4 years - 7 years old. These debts are no longer on my credit report. These debts were disputed and removed from my credit report and now Merchants and Profession Collection Bureau Inc is attempting to collect these debts. I have contacted them several times by phone, each time I receive these letters, which has been since the end or the beginning of XXXX, threating to sue me for {$73.00}. The latest letter is dated XX/XX/21. One debt is for {$10.00} which I disputed because this debt was paid ( through online banking ) to the doctor ). Instead of them notifying the collector, they continue to send treathen letter to sue me and report this fraugulent {$10.00} to the credit bureau.
Consumer complaint received 2022-12-01
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. (NY)

In XXXX I opened a dispute with Experian about my student loan from the Department of Education. This Loan was Opened on XX/XX/XXXX in the amount of XXXX. 

I made a dispute with Experian in XXXX about having the account removed but was unsuccessful. Although the account had a late payment, it has been well over 7 Years from the Opening date. This is having a negative impact on my score which is unfair being that the account is very old. I tried to submit a dispute with Experian again on XX/XX/XXXX, but Experian denied to request because I made a prior dispute. 

The Fair Credit Reporting Act prohibits background screening firms from reporting any arrest record or adverse non-conviction information older than seven years. This account is negatively impacting my credit score and is unfair being that the account is very old.
Consumer complaint received 2021-07-21
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. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 Account : XXXX Account : XXXX Account : XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-13
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: Absolute Resolutions Corp. (CA)

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Consumer complaint received 2021-07-21
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. (TX)

Dear CFPB, I have sent in countless letters to XXXX, XXXX, and Equifax, neither Consumer reporting agency has removed the XXXX Bank account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. XXXX, XXXX, and Equifax please delete the account before I seek litigation.