davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (ND)

Citizen 's Bank recently merged online mortgage and banking systems which resulted in deletion of established online customer mortgage accounts. Customers attempting to login with established credentials to view mortgage information and make payments are unable to login due to account deletion. I called Citizen 's customer service on XX/XX/2022 and they confirmed the issue was driving very high call volumes. I advised that I had not received any email or other communication from Citizen 's regarding an account deletion problem and how to resolve the problem. A complaint was filed directly with Citizen 's. I am filing this complaint with CFPB because of concerns that thousands of customers are at risk of missing their mortgage payment deadline because of the inability to access their online account which was deleted by a Citizen 's Bank process failure. In the end, I had to re-register for an account in order to view my mortgage and make payment.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On Friday, XX/XX/2022, I filed a fraudulent and unauthorized dispute with XXXX XXXX XXXX, and was told I would receive the provisional credit within 10 days! The bank failed to do so and compiled false evidence in the dispute process. Branch manager XXXX XXXX Stated and I quote " he pretended to buy a phone from the merchant and found evidence that there is an agreement about the payment was supposed to be split between 36 months a bank officer went outside of his duties and the dispute department went outside there duties and compiled illegal evidence against the consumer! Broke Regulation E and has not put any funds in the account! 
I sent the document for the dispute the banks position was I was already made whole!
Consumer complaint received 2020-10-18
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. (AL)

I have tried on three separate occasions to have this banckruptcy corrected and removed I disputed this banckruptcy because it was never verified. When I disputed the banckruptcy i received a letter back saying first it was verified through the courts and then one saying it was verified through a third party. I sent in documents showing that it was in fact never verified and each time I asked for documents proving that it had been verified I only got letters stating it was verified never any proof.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

I have a auto loan with Santander Consumer USA that was opened in XX/XX/XXXX. My account is current, my last payment made was XX/XX/XXXX of {$450.00}. On their website through the customer portal my account reads current/on time but on my credit report it shows the account, closed, in collection/ charge off as bad debt and is listed with a derogatory payment. I have disputed this through XXXX and XXXX 5 times now. They did update the balance but that was all they were able to do My account is it closed or in a derogatory status or in collections I am making my payment monthly. The representative I spoke to even shared with me that yes the account is in good standing snd I make my payments on time This company is not accredited with the XXXX and is currently under investigation for signing people into loans they know they would default on. I believe my account was victim to this tortuous behavior. 

Please help
Consumer complaint received 2022-04-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello. In XX/XX/XXXX I signed up for coinbase.com and everything was fine until XXXX of this year ( XXXX ) when they asked me to verify my identity again, which I do and from then on the account under review appears to me and they tell me : " Your account is currently being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. Please log in every day or every other day to check your status. " Last week I accessed the app again and in it they ask me again to verify my identity by taking a photo through the mobile device. I've done it repeatedly and it always ends up telling me that the verification failed, that the photo was too blurry, which is not true. It asks me to repeat the process again, I do it and it keeps failing. 

I wrote to the company several times and they always respond by saying : " Thank you for following up with us. 

Our team has received a high number of account review requests. However, we've asked them to expedite their review of your account, and will get to your inquiry as soon as possible. 

We appreciate your patience and understanding. 

Regards, Coinbase Support " The number of this latest incident that I created is : Case # XXXX - Pending verification. 

I have XXXX  ETH blocked since then and I wish I could get it back. 

Thanks for your attention.
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Consumer complaint received 2022-01-12
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX {$4100.00} Date Opened : XX/XX/2019
Consumer complaint received 2020-10-18
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)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$6.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$6.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ;XX/XX/XXXX year ; XX/XX/XXXX year XX/XX/XXXXyear. Late payments reported - 30 days late XX/XX/XXXX ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX, shows 46 charges offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report.

4. Delete this account, because it shows credit limit {$6000.00} on a charge offs close account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2018-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I sent experian a dispute letter via certified mail with return receipt along with a copy if my drivers license and social security card. They refused to reinvestigate my credit dispute. This is my second attempt.
Consumer complaint received 2018-10-04
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. (PA)

XXXX XXXX, closed account opened on XX/XX/2018 in the amount of {$500.00}. Negative item was disputed, and an investigation was concluded but with no Physical validation of ownership
Consumer complaint received 2019-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I was going to buy a dog and a XXXX page contacted me saying that he had it and had to pay half before and half after I get the dog, and then I paid by the Zelle {$320.00} at XX/XX/2019, and then in a couple days he sent me a msg saying that i should get an email from the shipping company and could be at the junk, when he said that I already knew i got robbed, but i opened the email and there was saying I had to pay $ 900+ refundable to the shipping company, and then I told him that he never told me about paying that I didn't have that money, and he said yeah I know I should have told you before and bla bla bla , and then I told him that I already knew that the email was fake and if he didn't pay me back I would call the police, and then he blocked me. So I opened a case on XXXX XXXX XXXX but after one week they said that weren't their error and could not do anything about it. Hope everything is explained. 
Thanks in advance
Consumer complaint received 2022-04-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2019 I contacted Chase about an email message I received from them ( see `Chase denied it sent this notification from Chase XXXX` attachment ). To my surprise Chase in its response denied that the email message was sent from Chase and claimed that it was a " phishing '' email message ( see 'Secure Messages - chase claiming that the email was not sent by chase XXXX ' attachment ). 

It is not clear to me if Chase does not want to discuss the contents of the messages it had been sending to me by making such denials or it truly believes that my email address that I have provided to Chase and which the message was sent and the balance on my credit card account that was included in the message were accessible by some other party that was sending " phishing '' messages.
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020, I contacted American Express via Mobile App chat feature. I asked " Hey, what date was my last credit limit increase? ". The response from the unnamed foreign person on chat advised me the last time I submitted a request, not when an Increase happened. I then asked the person to clarify that their response was addressing an Increase Request and not my actual question. Amex replied with " It was a request. I can go ahead to submit an increase request if you would like ''. At this time, Amex has still refused to provide me with my requested information of what date my last Credit Limit Increase was. 

I then requested the same information again. This time Amex again ignored my question and said my cards had allocation changes. I replied saying I never asked about allocations. Amex then replied with " There was no limit increase happen ''. 

At this time I requested to be transferred to an American who speaks English. The request was ignored by Amex. I then requested again, In which Amex ended the chat. 

I typed I would be filing a CFPB complaint. Then the still nameless rep offered to transfer to a supervisor .... As of this writing, that still has not happened. 

I believe Amex has abused their position of trust since I do not have access to certain account details and history. Amex also blatantly refused to provide account information as requested. I find that Amex has been in violation of 12 CFR Part 1026, 15 U.S.C. 1601, FTC laws governing the transmittance of information across state lines, and Florida Consumer Protection laws for willfully withholding information.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a few fraudulent transactions on my 5/3 debit card. The real issue here is that I cant get through to them on the telephone. Im deaf, so I have to go through a relay service to contact them. Ive also tried their TTY number directly. It keeps disconnecting on me so I can never file a proper dispute. 

That being said, I received a fraud alert from the about a {$110.00} charge. I never made any such charge and checked my account online. There were 2 fraudulent ATM charges as well. I checked my wallet and I didnt have my debit card. Here are the fraudulent transactions ... 

XX/XX/2018 XXXX Withdrawal for {$800.00} XX/XX/2018. XXXX Withdrawal for {$350.00} XX/XX/2018. Two ATM fees of {$2.00} each Also, pending charge of {$0.00} from XXXX XXXX XXXX  XXXX. This is was the merchant on the fraud alert. 

I did not make any of these charges.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (GA)

I submitted a complaint about this company because they were charging me interest for fraudulent charges and had not fully removed the fraudulent charges from my account. I refused to pay on this card because the creditor was not cooperating with me. I have a late payment on this account in XXXX of XXXX  that was never removed even though they agreed they made a mistake via letter XX/XX/2022. Please remove this late payment from my credit reports.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BROKER SOLUTIONS, INC. (CA)

Applied for a Mortgage ReFi in XX/XX/2021 with New American Funding and authorized an initial Hard Inquiry on my Credit Report. 

Because of their incessant delays in processing this Mortgage, they proceeded with a second, completely unauthorized Hard Inquiry on my credit report approximately 4-months later. 

Literally the only reason I did not fire this company is because I did not want a second hard inquiry on my credit report. If I was to authorize a second hard inquiry for the same loan, I would have found another lender. 

Name of Company : New American Funding Date of First Inquiry : XX/XX/2021 Date of Second Un-Authorized Inquiry : XX/XX/2021 2021
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XX/XX/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 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On or around XX/XX/19 I designed two personalized debit cards from Wells Fargo, Today is XX/XX/19 and I never have received them. I have called numerous times asking about the delivery and have been given a ton of misinformation regarding the cards. And then was threatened by the agent ( XXXX ) that I spoke with on XX/XX/19 to shut down both my cards against my will, because it was a new " policy '' that she never stated until after being on the phone with her for over an hour. I have requested proof that the cards were sent, I have detailed pictures of my mail that is delivered to my house daily and have received numerous correspondents from Wells Fargo none of which are these debit cards. Every other time I have ordered a new card I have received an email saying the card is on the way, this one time I have not received any notification and it has been over 2 months since the initial order of the cards and the images being accepted by Wells. I have called and called and been given incorrect information and been told that I MUST change my card numbers. Mind you it took 3 additional weeks to receive these card numbers after being told in the branch that my cards had been requested numerous times and in fact they had not. MY CARDS ARE NOT LOST OR STOLEN THEY MEERLY WERE NEVER MAILED BY WELLS FARGO.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NY)

Hi my name is XXXX Im being a Citibank bank client for 7 years. My financial situation is like a roller coaster because I have XXXX so when Im in good heath I work full time but sometimes I get I XXXX XXXX   XXXX  and I ended up in the hospital so thru since XX/XX/XXXX to today XX/XX/XXXX Im being charge {$1000.00} overdraft fee and return payment fee. When I call they dont want to help at all and when I went to the Citibank facility I explain to them my situation and they not willing to help its hard to being nock the door and no being heard and on the top of all I got a friend of my who work on the XXXX facility as a teller when she was training her draw was short {$700.00} and the manager said it was ok so. Me as customer being maltreated felling like Im begging for money. When i trying to apply for checking plus they told I dont qualify cuz I dont have a social security.
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so I'm asking for your assistance. Thanks again