davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (GA)

In late XXXX of XXXX, I received a savings account promotional offer from Citibank while using the Citibank app. The offer was a bonus of XXXX XXXX XXXXXXXX XXXX  if I opened a Citi XXXX XXXX XXXX account and maintained a balance of {$10000.00}. Following the banks directions, I opened a Citi XXXX XXXX XXXX account maintaining a balance of {$10000.00} through the promotional period. 

In the summer of XXXX, when I had not received the bonus, I called Citibank and was told by a representative that the miles would be credited on XX/XX/XXXX based on the terms of the promotion. 

XX/XX/XXXX passed and I had not received the award. I called Citibank a few more times in XXXX and was told by customer service they would look into it. I was provided the following dispute number : XXXX. 

This past week a received a letter from Citibank that " promotional code '' used did not qualify for the XXXX XXXX XXXXXXXX XXXX bonus. 

Considering that I was directly solicited by the Citibank app and followed the banks directions to open the account, this explanation is nonsensical. 

To remedy the problem, Citibank should provide me the XXXX XXXX XXXX XXXX per their promotional offer.
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (GA)

XX/XX/2021 on my chime account I tried to send a money transfer of {$380.00} to wrong person but the person has the my phone number linked to there account so it sent the money to them and chime Doesnt have option to cancel or stop a money transfer at the moment
Consumer complaint received 2021-09-07
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)

Identity theft has happened to me. As a result, someone obtains access to my personal information. My credit report contains accounts about which I am completely unaware. I'm sending my ID and identity theft report for Block and Removal of information on my consumer report, as required by 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (NJ)

XX/XX/year> XXXX XXXX XXXX bank Company keeps calling me on unknown numbers and then fake numbers that make me think its a scam and make me not want to give my personal information. 
I spoke to a very rude man named XXXX who told me he knew I was trying to get off the phone but he was not going to let me. 
Very hostile, patronizing, and threatening behavior from companys behalf. All for a mere {$57.00}. I lost my credit card and am in the process of figuring that out but XXXX would not let me win. I escalated to his manager and someone in the background was screaming saying maybe he was busy!. Such weird, scammish, and suspicious activities from this bank. I am going to pay off the rest of my bill and close this credit card but I want this complaint filed so there can be consequences for their actions.
Consumer complaint received 2021-12-02
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. (SC)

I recently ordered my Consumer reports and Experian and XXXX are reporting unauthorized collection accounts on my credit reports without my consent which is Identity theft. Im getting denied for loans and credit because of these unauthorized collection accounts.
Consumer complaint received 2021-05-06
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. (AR)

I disputed inaccurate accounts with TransUnion. I stated to them that they had violated 15 U.S Code 1681b-Permissible which states that : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave TransUnion any consent to report on my consumer report. 

I also stated that the account balances XXXX, XXXX, XXXX have different balances from my XXXX account balances. 

I also state that I had got some inaccurate accounts deleted off my XXXX consumer reports. Which are also being reported on my TransUnion consumer report. 

TransUnion has verify and updated these inaccurate items on my consumer report. 

I have enclose documents for this issue in the attachments.
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

We were approved for a new roof & other home repairs by our insurance company. Due to the amount of the claim, the initial check had to be payable to us, the homeowners & Freedom Mortgage. When I contacted Freedom to make them aware of the claim, they provided incorrect information about the process and procedure. Now, for the past month we have submitted every required document to them ( including our endorsed check from insurance ), yet they will NOT release funds for us to pay our contractor to even schedule us or begin the work. They are holding our insurance funds hostage! We have provided them with our contract three times, the contractor 's W9, a waiver of lien, their license, as well as the insurance adjuster 's worksheet indicating all approved repairs. They are indicating that they will not release any funds until we ( the homeowners ) write them a letter accepting financial responsibility for the repairs above & beyond the amount of the check ... the insurance company is intentionally holding back {$5000.00} for residual depreciation ( which we are approved for ) to make sure the contractor completes the work as prescribed. Yet, Freedom refuses to understand basic insurance laws. We are in Florida in the middle of hurricane season & they have already delayed our repair by more than a month. At this point, they are unwilling to release any funds so we can not even schedule the repairs. They are demanding this letter from us, even though they admit that this is not a requirement per their documents or website.

Additionally, they claim IF/WHEN they release funds, they want to issue the entire amount payable to us and the contractor, yet I do not want to give a contractor thousands of dollars without them having even started the work! Freedom Mortgage is absolutely ridiculous!
Consumer complaint received 2020-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (OH)

Ad Astra could not confirm the debt was mine and removed it from my XXXX  credit report. It remains on my XXXX  and XXXX  reports. This is illegal reporting practice and I will be filing a formal complaint in court within 30 days of this complaint if it is not removed from all credit reporting agencies.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Retrieved a credit report XX/2017 and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to XXXX, XXXX and TransUnion on XXXXXXXXXX around XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to XXXX on XXXXXXXXXX at XXXX, XXXX on XXXXXXXXXX at XXXX, Transunion on XXXXXXXXXX at XXXX. To date, I have received updated personal information reports from XXXX and Transunion. I have not received any notification from XXXX. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XXXX. There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/2017, XXXX XXXX XX/XX/2017, XXXX XXXX, XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ) in the latter part of XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.
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: Experian Information Solutions Inc. (MO)

The credit bureau are reporting information on my personal credit report that shouldn't be on it without my permission. I've disputed the following items and they still haven't remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2023 I made a deposit on mobile deposit the money was already in my account on XX/XX/2023 but someone took the money out now is on pending and my app is saying XXXX negative XXXX
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Yesterday XX/XX/2022, I attempted to cash a check that was drawn from Bank of America in the amount of {$8300.00}. Upon arrival at the Bank of America branch on XXXX XXXX and XXXX in XXXX they told me that I could not cash the check because I did not have my debit card. I did not have my debit card because I had opened the bank account on the XXXX of XXXX. They told me all I could do was deposit the check and wait for it to clear today XX/XX/XXXX. They would not even return the check to me so I could go cash it somewhere else. This morning XX/XX/XXXX, I attempted to withdraw funds from the same branch because I had looked online and the funds had been made available. When I got to the branch they told me that my checking account had been closed because they could not verify my identity. I tried to give them my driver 's license which is valid, they refused to accept that all that they told me was that the account was closed they put a hold on the funds and would mail me a check after the funds cleared on XX/XX/2022. I know that the funds were available because I was able to make a XXXX transfer  in the amount of {$55.00} successfully before I went to the branch. When I asked about the first check that I made a mobile deposit with in the amount of {$740.00}, I did not get a response from the banker or from anybody at customer service when I called them about this issue.
Consumer complaint received 2021-12-02
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. (CA)

I spoke with transunion representatives multiple times about these unauthorized inquiry accounts, and sent them letters and documents to their mailing address but they didn't remove then accounts. 

Also spoke XXXX, and they did nothing to rectify this inaccurate and unauthorized inquiry.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

In accordance with the fair credit reporting act Carrington Mortgage Acct # 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. 

Account was in forbearance while it was being restructured was never late and now everything is up to date please assit.
Consumer complaint received 2022-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX agreed to delete my negative item from all 3 credit bureaus. Experian has not been cooperating in deleting per proof given to them. Please see the 4 attachments
Consumer complaint received 2021-03-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I am in the process of selling my home. This loan obligation was satisfied in XXXX and should have been removed from the title but wasnt so my title company has been working diligently to get a payoff letter of satisfaction from Regions. Their first request was made on XX/XX/XXXX. They were told at that time that it would be 10 days. When they did not receive a payoff within those 10 days they were told transferred around to various departments until they reached the loan department and were told theyd have the Payoff Letter in 24 hours. That was XX/XX/XXXX. By XX/XX/XXXX we still had nothing so I went into the branch and spoke with a Customer Service Representative who has been very kind and working very hard to try and get the Payoff Letter of Satisfaction since XXXX on XX/XX/XXXX. He had to make a request also through the loan department and was told wed have it within 24 hours. It is now XX/XX/XXXX, the day before Im supposed to close and we still dont have the payoff letter!!! This is holding up 2 closings at this point and needs to be brought to a quick resolution.
Consumer complaint received 2021-04-12
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. (OH)

I received a copy of my credit report and found the following items to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. Mistaken Identity XXXX Account Number : XXXX Please remove this account from my credit report immediately! Bureau has refused to investigate this negative account on my report. 
2. XXXX XXXX Account Number : XXXX I was never late on this account, NEVER, please remove late mark on status of this account.
Consumer complaint received 2019-08-14
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. (GA)

I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX and some account that don't even have a name but the account XXXX XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well 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 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I pay my account on time every month on line. One month i got notified that it was paid on time by the website but then then 30 days later i was notified that they never received the payment and then a 30 day late pay was put on my credit report. I have tried to get it removed from my credit report but have not been successful even though the late pay was by no fault of my own. Please help.
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MIDCOUNTRY FINANCIAL CORP (IN)

Received a garnishment notice from my employer. I was working with the finance company and trying to set up a payment plan. The loan amount was {$3500.00} and I had paid approximately $ 400- {$500.00} towards the balance and they submitted the garnishment to my employer. They have already taken {$1900.00} in garnishments to date. I NEVER received a demand letter or notice of garnishment from them. Please help
Consumer complaint received 2019-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/19 at XXXX XXXX  a transfer in XXXX XXXX ( facilitated by PayPal ) was initiated to a friend. This friend was notified a transfer was waiting but when he tried to receive it, an error as given saying he needed to update his debit card. The debit card linked was currently valid however he re-entered the information required. The system seemed to take the update but then reverted back to asking again for an update to the credit card. 

My friend filed a report within XXXX XXXX after 24 hours asking for help and I filed a separate report 48 hours later. It's now been 4 days and the money is held up, I can't retrieve it and he can't receive it.
Consumer complaint received 2022-03-30
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: SYNCHRONY FINANCIAL (NY)

I am writing today because I am shock how poor attention and lack of investigation XXXX and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : SYNCB/GAP Account # XXXX The first error is the last verified date XXXX is reporting XX/XX/XXXX and XXXX does not show a reporting date. 

The second error is the date of the last activity XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The third error is date open XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The fourth error is the closed date XXXX is reporting XX/XX/XXXX and XXXX is not reporting a closing date. 

The fifth error is the payment status XXXX is reporting late 120 days and XXXX is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On Sunday, XX/XX/XXXX, I contacted Capital One and advised them of two transactions {$280.00} and {$510.00} mistakenly taken out of my credit card balance by XXXX XXXX XXXX. I specifically requested that I be capable of keeping my credit card ending in XXXX. The customer service representative advised me that she had not requested a replacement card. However, when I called back later during the day I was advised that my credit card ending in XXXX had been cancelled against my request. I then requested to speak with a manager who then indicated that the cancellation could not be reversed. I had planned to use my credit card on Monday and Tuesday of this week. Now that my credit card has been cancelled I will now have to wait until I receive the new card in the mail which has caused me extreme inconvenience. Since XXXX, I have been harassed by the FBI who is consistently using Section 702 to perform a warrantless search and seizure of my personal communications. Apparently, the FBI who has involved the City of XXXX in the unlawful surveillance is capable of monitoring and intercepting all personal call, text, emails etc. They have been intercepting my phone calls and impersonating individuals who work in companies in order to deprive me of my constitutional rights. As previously stated, I never requested or authorized the cancellation of my card ending in XXXX. I specifically advised the customer service representative to avoid cancelling my card by telephone on XX/XX/XXXX. I know that the cancellation was done by the FBI as they have all of my information and have and continue to interfere with my constitutional rights.
Consumer complaint received 2021-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

erroneous and inconsistent information and payment history reporting across credit bureaus damaging my credit report. Multiple disputes and attempts to remove erroneous accounts and information have been made in the past year with no removal of unlawful Car accounts that were settled to delete. Lawsuits are the only next step.