davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

-I travelled to XXXX for my Meetings on XX/XX/XXXX- XX/XX/XXXX. 
-I have Citi bank credit card & it can be used internationally without any fees. This is the reason I got this card. 
-XX/XX/XXXX I reported ~2 unknown activities from merchant XXXX XXXX XXXX  which happened within seconds ( saw it online transactions at my phone ) for {$1100.00} & {$750.00} amount. 
Immediately checked my wallet & card was in wallet in my hotel room. ( I was leaving my wallet in my hotel room during bath, gym etc. ) - called the bank & Card was immediately closed & I opened the dispute. 
-XX/XX/XXXX Citi bank reported that they will not consider this as fraud because card is not stolen. ( why would I say its stolen if its in hotel room? ) -I asked if bank/they reached out to merchant & find what was bought but I believe they failed to do so because they simple considering this transaction is valid. 

I strongly believe that its a standard process where when large amounts get transacted from a card within seconds, bank get alerted & block the transactions & alert. 

Bank didnt alert me & stated that because I was traveling, they didnt alert me & it was a registered trip. Does this mean bank lets the fraud happen? & how about 2 transaction continuously happened at same place, same merchant, big amounts, somewhere in XXXX & bank dont care? 

Also I believe banks didnt investigate properly & just because card was with me they got a reason to cancel the dispute. Anyone could have took the card & swipe away. I guess its not hard to keep a card swiping/reader machine with you if you are a fraud? 

-did they find who was the merchant? 
-what was purchased? 
-who they reached out to find out if its correct? 

What is the point of 0 % liability & protection from bank if they deny this kind of fraud. 

Please help resolve this.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Mullooly Jeffrey Rooney & Flynn (NY)

Received a letter from a law firm attempting to collect a debt that was never incurred by me, nor was it ever applied for by me. I contacted them and they stated it was for XXXX XXXX, a XXXX XXXX, and the amount that was owed, they did not have any verification of the debt. So I am disputing the debt, knowing that I did not create this debt.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened an account with Truist bank XX/XX/XXXX after they offered a {$400.00} bonus to open the account. I made 2 requested direct deposits of {$500.00} each to meet the eligibility. I verified that I had met the terms with Truist customer service when I opened the account and made the deposits. After 30 days I was supposed to have received the {$400.00} bonus, however it wasnt received. I again called customer service on XXXX and was assured I had met eligibility and that I would receive the funds in a week or two. I visited my local Truist branch on XX/XX/XXXX. They took my information but never followed up. I still have not received my {$400.00} bonus. 

Truist misled me into opening an account with the promise of a bonus and now refuse to pay. hours of my time wasted on hold and waiting at the local branch with several false promises of paying me the {$400.00} bonus.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On the XXXX of XXXX I deposit a check for the amount of {$2600.00} I was told that the funds will be available to me in the amount of {$200.00} on the XXXX of XXXX and the remaining balance on the XXXX of XXXX. I then received an email at XXXX a.m. in the morning on the XXXX of XXXX saying my funds will not be released until the XXXX of XXXX due to a hold put on the check. I called Bank of America at theXXXX number given to me by the nice lady of XXXX, who did all she could at her level ; on the XXXX of XXXX inquiring why has there been a hold on my check they proceed to tell me first it was an unfamiliar check which it wasn't it was the fourth time I deposited a check from this employer, then they proceeded to tell me that the funds have not been released from the other Bank and once the funds have been released from the other bank they will release the funds to me which they did not do, then they proceeded to tell me on the XXXX of XXXX that it was the Federal bureau that was holding my money which I then called the federal bureau and I was informed that it is not them that hold the money it is the financial institution Bank of America which the federal bureau turned around and help me and showed me how to file this complaint on Bank of America the number XXXX was the number I was given to call and every time there was one of these excuses No One released my funds to me so now I am in a bind behind on bills child support and I have a job that requires me to purchase things that I need in order for my job to run smoothly they also charged me a {$35.00} fee for going into overdraft which I shouldn't have had at all in the first place so Bank of America is not the bank for XXXX it is a greedy bank for themselves and they're playing with people 's money probably centered around to one another between another to cover fees and cost and things for who knows who so to cover their button make sure that they have the money for whatever to loan people or whatever they take from other people other customers at least that's what it feels like I pray they don't do it this way but either way Bank of America sucks and I want out of Bank of America I don't want to have anything else to do with Bank of America and I've been a loyal customer for plus years and this is how they do me and I'm sure I'm not the only one. XXXX dollars a month and trusting them with our money for them to think they have control over our money they become too big of a corporate organization and do not respect the people and do not understand the people it's very sad
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

In XXXX of XXXX, I was Pre-Approved by USAA Federal Savings Bank for a loan of {$380000.00}. This was based on several facts that I submitted to them in my application : Estimated Annual Self-Employed Income of {$75000.00} Credit Score of XXXX Minimal Debt ( I had a balance on a credit card of $ XXXX but I paid the credit card off each month ) Retirement Assets of $ XXXX Understanding I was pre-approved, I started looking at homes and found one with a purchase price of {$350000.00}. I made an offer and was thrilled when they accepted it. I then put my earnest money of {$3000.00} down on the house. 

After that, I paid for a home inspection for {$350.00}. Pleased with the results of the home inspection, I told USAA Federal Savings Bank I would like to purchase the home. 

My Loan Officer informed me that the next step would be for USAA to come out and do an appraisal for {$620.00}. I agreed to this, the appraisal was conducted, the appraisal matched the money I agreed to pay for the home. USAA would now move forward with my loan. 

HOWEVER, much to my surprise, after spending {$3900.00} that was not refundable, USAA Federal Savings Bank declined my loan. When I asked why, they said they could not consider my self-employment income until I had two years of 1099s to prove my income. 

This is where my complaint comes in. If USAA Federal Savings Bank had no intention of giving me a loan due to my lack of self-employment income history they : 1. Never should have pre-approved me ; They should have notified me at that time that I needed 2 years of self employment income history 2. Never should have let me put down earnest money 3. If overlooked during the pre-approval process, they still should not have let me spend an additional {$350.00} on a home inspection and {$620.00} on an appraisal done BY USAA!
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (TX)

fcra violations not mine : XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} Status Account charged off. {$400.00} written off. {$400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3200.00} Status Account charged off. {$3200.00} written off. {$3200.00} past due as of XX/XX/XXXX. 
XXXX OF XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. 



not mine : remove it : XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Resident XXXX XXXX complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, VA XXXX Resident type Single family XXXX XXXX XXXX CT XXXX, VA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, VA XXXX Resident XXXX Single family XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX type Apartment complex
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I received correspondence from a company named XXXX XXXX XXXX  ( XXXX  ) about a {$650.00} debt on XX/XX/2020. XXXX  stated in their correspondence that they had acquired the debt from LVNV Funding and that I had 30 days to dispute. I sent XXXX  a letter on XX/XX/2020 and asked for debt validation within accordance of the FCRA & the FDCPA. XXXX  sent me correspondence containing what they had acquired from LVNV Funding on XX/XX/2020 and stated that is all that they had received. I wrote LVNV Funding on XX/XX/2020 and XX/XX/2020 asking for documentation of debt validation and that they indeed even own this alleged debt that they are reporting onto my credit report. They have yet to respond to my requests. XXXX  has not responded to my request for proper debt validation either that was dated for XX/XX/2020. 

LVNV has not verified or validated anything within accordance of the law and they keep updating my credit report monthly. Secondly, on my correspondence from XXXX, LVNV was named as the Original Creditor. I didn't know that collection agencies can be XXXX 's. 

Please look into this matter because neither company has replied in a timely manner to my request yet my credit report was updated from LVNV Funding on XX/XX/2020, 5 days after the 30 day response time.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Received the usual XXXX  letter from Equifax requiring more information BEFORE they could fix my account. How pitiful these souls are. The have my unique last 4 SS ID, My Name, TC, ETC, ETC on th actual complaint form which they themselves have been able to use as have other Credit reporting Agencies. Opinion a ruse to discard doing anything in a timely manner or pathetic incapable staff! and still want me to sent proof. Well let me ask you this- supposed I stole that ID. They do not know who the XXXX I am. With the internet ripe with fraud and scams all our information if blatantly available to anyone. Now sadly this so called Consumer Protection agency will send me an email saying this is a duplicate BUT they never consider they never repair the problem to begin with. Yes how blatantly fraudulent are these people bordering in my opinion total arrogance.
Consumer complaint received 2015-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (VA)

I have recently found out my mortgage broker name was added to my loan as owner with me. How I found out is he declared bankruptcy and it was put up as parr of his assets. When I called lawyer who closed the loan he stated that he received a letter from said broker/ bank and told to add his name to loan. Please help me. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my sixth 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 Balance -.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (IN)

XX/XX/2021 I applied for the Apple Card using the my information that has not changed on any previous applications I have submitted. I was told by the Apple Card by Goldman Sachs Manager that I can reapply anytime but for some reason that is not true. When I submit an application I continue to get You have applied a number of times and we can not verify the information you have provided at this time so basically they arent allowing me to reapply. Since XX/XX/2021 which is another day that I had applied there has been changes to my credit report but they are not allowing me to reapply.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

I reached out to chase and explained I never even received the card they stated there was charges on the card which I also never made I was out of the country the time they stated the account was open and charges were made they refused to close the account I am asking the account charges be removed and now I am requesting damages paid to me in the amount of {$1000.00} since chase knew about the fraudulent charges/account and continued to use my information and charge the account without my consent.
Consumer complaint received 2021-09-20
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. (SC)

The Chapter XXXX Bankruptcy is not accurate some of the things that are reporting is not correct. This inaccurate reporting is causing issues with my credit. I have been sending them information since last year on this matter. I have documents to support my argument.
Consumer complaint received 2020-11-15
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: Sequium Asset Solutions, LLC (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-07-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-03
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' THIS IS MY SECOND DISPUTE. I AM A VICTIM OF IDENTITY THEFT AND I AM FURTHER BEING VICTIMIZED BECAUSE THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX.REMOVE THESE FRAUDULENT ACCOUNTS AND KEEP THEM OFF
Consumer complaint received 2021-05-24
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. (CA)

XXXX is reporting accounts on my consumer report against my will and the federal law. 

I have ask them to remove the accounts XXXX and XXXX of 2021 and they just say that the accounts we're validated which was a lie. I am the consumer and original creditor pursuant to 15 USC 1601g. I regularly extend credit and am a natural person. Experian never sent my anything requesting a validation. So, they flat out lied and the CEO needs to be put in federal prison for at least one year and fined according to law. I am demanding that you delete all the below accounts immediately not in 30days. You have hurt my ability to obtain credit and live a normal life. I am unable to maintain my family household use due to your negligence and failure to get my permission to report. 
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it may concern : ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report TransUnion, Experian, Equifax do not have my permission to report anything on my consumer report without my permission. I was never asked or notified!

Get these accounts off my consumer report in the next 48 hours or I'm suing the CEO and he can spend time in federal prison for all I care not. He has cost me everything! 2021 Under 15 U.S. Code 1681b ( e ) 1 -Permissible purposes of consumer reports ( a ) IN GENERAL 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.

( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

Concerning the account listed below as a consumer Im demanding the deletion of the accounts below from my consumer report and file. 


1. XXXX XXXX XXXX XXXX 2. XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (FL)

jhpde is a debt buyer who purchased my XXXX account. The account was listed in a Ch7 in late XX/XX/2021 and the stay is still in place. Creditor 's agent acknowledges the BK. XXXX has direct or constructive notice of the BK and willfully reported a collection on my XXXX XXXX report causing a XXXX point drop in my score on XX/XX/2021. I am in the process of assuming a mortgage and will not be able to because of this. They have not responded to my attempts to contact them.
Consumer complaint received 2019-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was contacted on XXXX XX/XX/2019 by Portfolio Recovery Associates about a past debt that I have no knowledge of having. The representative mentioned that there was an attempt to deliver paperwork but paperwork delivery was at a different location that my physical home address. Upon requesting further clarification, the representative continued to say how I was refusing to pay the debt. I never refused to pay the debt, I would just like clarification on the debt. I will be delivering a " Cease and Desist Order ''  to the aforementioned party.
Consumer complaint received 2021-09-20
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. (LA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.