davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

I opened an account online with Citibank on XX/XX/22 before I even received the banking documents/card in the mail the account had been compromised. On XX/XX/22 someone credited by account for 2 minimal transactions totaling XXXX cents. The following day a debit was made for XXXX  ( which i have since learned is cryptocurrency ). Over the next five days numerous transactions kept getting debited for XXXX  in escalating amounts, which Citibank allowed and didnt think was a red flag! The total amount fraudulently is {$3400.00}. I then received a letter advising my account was closed so I went into the local brank located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to find out what was going on ( as at time I had no knowledge of any account activity ). A banker assisted me in opening a case. I was provided case # XXXX. Further, I was also told an investigation would be opened at that I need to contact the local police and credit card bureau, which I did. I also have notified the FTC and the Internet Crime Complaint Center. Additionally, I attempted to reach out to XXXX however they dont have live help an can only notify them online which I did. To date I have yet to receive the fraudulently taken funds which Citibank allowed on this account. I have reached out NUMEROUS TIMES via in person and on the phone and have a long trail of same and keep getting passed in a circle of abyss where no one can help me ( the branch will refer me to the fraud dept, the fraud dept refers me to the Account Takeover Dept who then refers me bank to the branch and all are utterly useless and have no clue or flat out lie! ). Today was the final straw. After spending an 1.5 hours on the phone ( for the 4th day ) I was told to go into a branch and hung up on when I asked for a supervisor concerning status. I then went into the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was rudely advised by manager, XXXX XXXX XXXX XXXX XXXX ( who would not provide me with her business card ) that there is no investigation, there never will be and they dont have to do anything, tell me anything or refund me my money! If I dont like it sue them! She further would not give me any contact information for anyone that could assist or of corporate.
Consumer complaint received 2019-02-06
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. (GA)

I was recently given a 2 month extension on my lease as assistance because of the government shut down. I was assured that XXXX was doing this to help us but they failed to process the extension correctly and reported the loan as 30+ days late when its not late due to the extension. I have called several times and they have failed to update it to correctly report.
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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$3300.00} XX/XX/2020 I DO NOT HAVE SS XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new couch and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.
Consumer complaint received 2022-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I started the process of filing for a Home Equity Loan with Bank of America on XX/XX/2022. At the time, their website and all information provided to me indicated that they would assign a processor to my application within 7-10 business days. Based on this, I signed the required disclosures, formally submitted my application and the process began. Bank of America made a hard inquiry on my credit report. Today, XX/XX/2022, I called Bank of America to follow-up on some forms that they sent me in the mail as I had questions on how to fill them out. It was at that time that it would actually take up to 8 weeks to assign someone to process my application. That is too long of a time frame for me. Had they been up front about this timeline, I would not have chosen them. However, since they have already made a hard inquiry on my credit report, I am kind of locked in with them. Other lenders actually made note of the hard inquiry on my credit report and they reached out to me asking if they could meet my home equity needs. However, since I already had a hard inquiry on my credit report from Bank of America, any further hard inquiries would diminish my ability to obtain a home equity loan, so I declined the other offers while I waited on Bank of America. 
Being told it will take 7-10 days in order to get someone to submit an application, locking them into the process, and then later telling them it will actually take 8 weeks is deceptive. It's bait and switch. I have a deadline I am working under for home improvements and 8 weeks is too long.
Consumer complaint received 2022-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my second compliant with the CFPB about the same issue. There are two account showing on my Equifax that are accounts that are apart of identity theft. These accounts are XXXX and XXXX. Please see attachment with the account numbers. 

Last compliant - XX/XX/2019
Consumer complaint received 2023-01-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account ( 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 a account without my written instructions
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I am reading my payment statement and it looks like I am making bi-weekly payments, but the first payment is held somewhere and it is not being applied to the mortgage payment until the second payment is collected. If i am reading my statement correctly, Payment 1 is taken from my savings/checking account and held somewhere ( that i do not have access to ). No interest is paid on that money, but interest continues to accrue on the mortgage. Then 2 weeks later, payment 2 is made, and then - and only then- both payments are applied to the mortgage. 
This is an insane arrangement that no one in their right mind would think is OK. the money from the first payment is out of my control, presumably put in another account, and not applied to the mortgage? I receive no benefit, but do receive the downsides of not paying the mortgage, continuing to accumulate interest on the mortgage, not getting interest on the money in my account, and running the risk of overdraft fees. 
I have also made supplemental payments that are marked for 'interest only. ' Are these payments also held in this account that i have no idea about until the end of the month, or are they properly applied to the mortgage when I make them?
Consumer complaint received 2022-03-07
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

I was recently given a 2 month extension on my lease as assistance because of the government shut down. I was assured that Chase was doing this to help us but they failed to process the extension correctly and reported the loan as 30+ days late when its not late due to the extension. I have called several times and they have failed to update it to correctly report.
Consumer complaint received 2017-07-05
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. (CA)

I have on three separate occasion in the past 90 days tried to call Trans-union to have these hard inquiries removed from my report as I dont recognize them and these companies have not sent me any information in regard of the reason of inquiry. This is unalwful 604. Permissible purposes of consumer reports.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (GA)

XX/XX/XXXX and XX/XX/XXXX Ive done 2 disputes with the credit bureau and waited 30 days each time for results. No results were given and even after disputing with the cfpd I was told I will get a response in 60 days. By law under XXXX Federal Fair Credit Act .I am to get a response with in 30 days of the date I sent the letter to the bureau for investigation. They company only had 30 days to prove any accuracy or remove entirely from my report. If these laws are violated i due monetary compensation of {$1000.00} per item They are also in violation of Fair and Accurate Credit Transaction Act of XXXX
Consumer complaint received 2020-02-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XXXX of XXXX, I opened a credit card account with XXXX  XXXX. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. Portfolio Recovery Associates removed the account from my credit report. I noticed the account continues to be reported on all three agencies by XXXX XXXX. The account status as sold to XXXX and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with XXXX XXXX they stated they are not reporting on their end. I spoke with XXXX and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. Thank you!
Consumer complaint received 2020-02-06
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: CITIBANK, N.A. (NY)

On XXXX of XXXX, I opened a credit card account with XXXX XXXX. I defaulted due to financial mismanagement, I was informed the account was sold to a third-party whom I then reached out to and paid the account in full. XXXX XXXX XXXX removed the account from my credit report. I noticed the account continues to be reported on all three agencies by XXXX XXXX. The account status as sold to CITI and does not include any remarks that it was paid in full just a XXXX  balance, I spoke with XXXX XXXX they stated they are not reporting on their end. I spoke with CITI and they mentioned they are a bank not a third-party collections agency. I spoke with the three companies as well as the credit reporting agencies XXXX, XXXX, XXXX. Noone seems to have an answer. I firmly believe they are not performing an extensive investigation even though I have provided all the details and concerns. The account shows no activity past XXXX. Please remove. Thank you!
Consumer complaint received 2020-02-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 (  b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2019-02-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc (CA)

Recently while conducting a monitor of my credit report I discovered that Ad Astra has furnished some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to Ad Astratorelease myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Consumer complaint received 2019-02-06
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. (CA)

EXperian statement of facts { 1 } I am not a credit repair company I am the furnisheralleged legal owner, consumer { 2 } statement of fact XXXX / XXXX   XXXX does not own this account you are falsely reporting on my credit report. In fact under the law I own the alleged account showing paid in full REMOVE THIS ALLEGED ACCOUNT I LEGALLY OWN. XXXX stated to the CFPB that they do not own this alleged account XXXX  does not own this alleged account I do Do your home work if XXXX got paid by another company they would own the account but If it shows paid I legally own the alleged account eather way XXXX XXXX my alleged debt is paid and I own the rights to the alleged account, ASk your lawyer enclosed are your statements, and XXXX statement to the CFPB, also as the alleged owner of the debt remove it at once. your credit manipulation on consumers need to be challenged. 
XXXX first furnisher { 2 } { sale to XXXX } new furnisher { 3 } contract alleged sold back to me for payment THAT MAKES IT MY ACCOUNT as OWNER There is no statues difference between the three when sold { alleged contract bought back by consumer makin myself the alleged the legal owner
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Second Round Limited Partnership, Austin, TX Branch (AL)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) (  E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (AZ)

Im not receiving the reset email so I cant change my password Im locked out of my account they also canceled my debit card, this is going on XXXX days and its not fixed. A password is something that should be an easy fix and this is ridiculous, I also noticed my balance was around {$800.00} then went down to {$500.00} -and I have no idea why. They are saying I spent the money and I didnt. I received XXXX text messages from saying I made a change and it wasnt from me. I dont have access to my money and they cant reset a simple password.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America 's website is misleading. I paid my bill for both credit cards and it goes to one credit card. 

On one screen it says that I have an " Overdue payment '' on one credit card. On a second screen it says I have no payment due. In the bill pay tab it says I owe an entirely different amount. 

When I called the person tells me that a lot of people are complaining about the site. 

In the meantime they are charging all kinds of late fees and added interest. 

I have been having trouble with their website and every time they make an update its worse.
Consumer complaint received 2019-02-06
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: TD BANK US HOLDING COMPANY (MA)

In XX/XX/2018, the final payment on my auto loan with TD Auto Finance was to be paid. Throughout this loan, it was set up on auto pay. TD Auto Finance turned off auto pay, and I did not receive information of this until 90 days due, which I then made the last payment.

I have contacted TD Auto Finance, noting this and they responded " After reviewing your dispute and the facts your provided, we concluded that we are correctly reporting your account history and other relevant information to the credit bureaus ''. 

Completely crazy that the failure for them to take payment is a reportable reason.