davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

To Whom it may concern, Name : XXXX XXXX XXXX ; Account ending : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX points as it was advertised on the XXXX bank website. I did apply and was approved and I did spend {$XXXX} to full fill the terms of the bonus points but instead I got only XXXX. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX points online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking XXXX XXXX to honor their promise and honor XXXX bonus points. 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2017-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

My name is XXXX XXXX XXXX and I opened a PayPal account and i became an American citizen about 20 years ago, so my XXXX name is very difficult to pronounce. I made a PayPal account to receive a few payments and when I did, I didnt think too seriously about the name since it was digital and since the bank that would be verified would be under mine, so I used my daughter and sons name as " Name '' section when I opened the account. I received about {$700.00} into my Paypal and even upgraded to a Business account. They put a limitation on my account and said that I needed to send in all these documents to confirm my identity and my business. I sent them ALL the documents needed. They denied my request and will not let me close the account or withdraw my money. The email account linked to the paypal account is XXXX. It has been about 2 weeks since they put a limitation and I do not know what to do anymore. Please help
Consumer complaint received 2019-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Around the dates of XX/XX/XXXX toXX/XX/XXXX, as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have dealt with multiple frauds claims with Bank of America. It started in XX/XX/XXXX where {$18000.00} was taken fraudulently out of my checking account from multiple locations across the U.S and even in other countries. It totaled over 250+ transactions. Even when I called Bank of America customer service fraud department at the very same time we were on the phone and I was explaining the panic I was in and frustration of what I was seeing on my account there were still transactions being made. I have filed a police report with my local police department and Bank of America has closed my claim over three times. Every time they closed it they stated the transaction were made with verification. I am furious because the money came from a lawsuit of something very traumatic that happened to me, similar to the Me Too Movement. I trusted Bank of America with all of my funds and they guaranteed me that money is insured when it comes to fraud. Not only that but according to XXXX my social security and all of my information was breached and that lead to the compromising of my bank account. Even after my first fraud claim with Bank of America I moved all my money into a separate private account with them and replaced my debit card and I STILL AM CONTINUING TO HAVE MONEY TAKEN FRAUDULENTLY OUT OF MY ACCOUNT! In may I was constantly having money taken out of my account from the XXXX XXXX which I do not own anything affiliated with XXXX. In XX/XX/XXXX through XX/XX/XXXX i have multiple transactions from XXXX taken off my account totaling over 2k+. This is ridiculous I have had over 8 debit cards from Bank of America this entire year! I still have not received my money back from first fraud claim and Bank of America is doing nothing to help me as one of their Platinum Honor Client. Please help to get what I deserve and is rightfully mines, because this no where right.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Premier Portfolio Group (KY)

Received call from Premier Portfolio Group about a " bad check '' involving my name and social security number. They did not address be my name and only called my unlisted work phone number. I immediately found out there was a scam by searching phone number they left on message. XXXX Premier Portfolio Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe this is the fraudulent company.
Consumer complaint received 2024-03-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (VA)

During Covid I reached out requesting payment assistance, deferment or hardship. Schools were closed no real work for substitutes. I had Involuntary Unemployment Insurance with One Main.. I acquired when I secured the loan. I was told it was required. Found out later that wasnt the truth. During Covid the insurance paid my Loan for only a year. Even though Covid was a rare event and I was unemployed for nearly XXXX years. It took that long to secure a job that would help me afford shelter and food. One Main also continues to say my loan is Charged Off for over {$4000.00} plus dollars. Thats not true. I entered into an agreement with One Main on XX/XX/XXXX. I have upheld my part of the deal. I have paid {$320.00} or more on or before the XXXX XXXX of each month. The Settlement Amount {$1900.00}. My final payment on XX/XX/XXXX will be {$240.00}. One Main has pulled a Bait and Switch or Sleight of Hand. I received a letter on XXXX XXXX requesting {$2100.00}. I like the rest of the country a trying to recover Mentally and Financially from Covid. I agreed to pay what I could afford.
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

When my private loans when to navient for repayment, the company would not work with me for affordable repayment plans. Therefore, since I could not make the payments that they required XXXX $ XXXX monthly ) they sent my account to a credit collection agency. Therefore, my loans are now in default and report badly on my credit history and I am struggling to come back from that. I will not be able to afford buy a new home, let alone a new car, even though for years I have made on time payments to the collection agency for my student loans. Navient was unwilling to work with me to lower my payments to an affordable rate and told me in order to afford payments to sell my car, disconnect my cable and to get another job in order to make my payments. They made harassing calls to me over a dozen times a day and left me no choice but to take the option of allowing the loans to fall into collections so that I could get a more affordable payment plan. Now I am stuck with bad marks on my credit since XXXX and unable to come back from this. I need help.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (DE)

I am writing to file a formal complaint against CNU ONLINE HOLDINGS for unauthorized access to my credit report and inquiries that were made under false pretenses. This violation of my privacy and rights as a consumer is deeply concerning, and I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly. 

Upon getting a copy of my XXXX consumer report, I discovered that XXXX  XXXX a part of XXXX on behalf of CNU ONLINE HOLDINGS had pulled my credit report without my consent or authorization. Not only was this action taken without my knowledge, but it was also done under false pretenses, as I have not engaged in any business transactions or interactions with CNU ONLINE HOLDINGS that would warrant such an inquiry. 

Furthermore, upon reviewing my credit report, I noticed several inquiries that I did not initiate or authorize. These unauthorized inquiries have the potential to negatively impact my consumer file which is unacceptable. 

Inquiry Dates XX/XX/XXXX XX/XX/XXXX I am turning to the CFPB to intervene and ensure that appropriate action is taken to rectify this situation and prevent future violations of consumer rights.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

My identity has been compromised Years ago. Several accounts have been opened under my name without my authorization or knowledge and i'm unaware of these accounts. In accordance with the law, I have sent a letter to the following creditors in order to verify the debts they allege that I owe and they can not verify debts to me.
Consumer complaint received 2020-05-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I hired a credit repair company ( XXXX XXXX  ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX in amount of XXXX dollars with the date of XX/XX/2013 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (DE)

Membership ends in XXXX XXXX, however, rewards cash is not available until XXXX of 2019. If I do not renew my XXXX membership I must forfeit my rewards cash earned. Due to the timing, this creates an Unfair practice ( and potential deceptive, due to the placement of the disclosure ). Material harm is that I am not able to access reward dollars I have earned.
Consumer complaint received 2021-10-04
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: World Acceptance Corporation (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (MD)

On XX/XX/2021 I sent a dispute letter to XXXX to validate and delete XXXX XXXX  Account Number : XXXX and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

On XX/XX/XXXX I had unauthorized charges to my USAA account I had a total of {$1100.00} roughly stolen out of my bank accounts listed below through a pfishing scam. The bank denied my claim and gave me no reason as to the reimbursement for the fraud. The bank then stole another {$900.00} that was negative out of another account to cover the stolen balance. 

So I got robbed through scammers & then in turn got robbed by the bank for the negative balance stolen from the scammers. 

Accounts # XXXX # XXXX # XXXX
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP (NV)

It is my understanding that money orders are to be regarded as cash not as checks that have to return from any 'originating bank ' for funds availability. Consequently, it remains my business intention to have said money orders returned to the United States Post Office so that they may give protection from the intent to accuse of depositing check ( s ) instead of money orders that were somehow found 'counterfeit ' after 'depositing '. Peace
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FACTUAL DATA CORP. (IL)

Factual data has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX maiden name XXXX.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a XXXX BIG card and made my payment when I got paid, the payment posted on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received a warning email that I had not made a payment on the card and if I did not make a payment by XXXX/XXXX/2016 I would be assessed a late fee. I contacted the card company which seems to be Capital One and they stated that they close a cycle on the 3rd and do not count payments made previous to that as part of the payment cycle. This feels like a predatory practice designed to incur late fees and harm consumers that are on a fixed income.
Consumer complaint received 2015-09-21
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Collection Service of Nevada (NV)

I was working on my son and his friends bike and I was approached in my garage by an aggressive man who was very rude in front of the kids. I had no idea what this was about, until he forced me to look at a paper. I asked him to leave and he was very rude and hostile. Apparently it was from a furniture store that my ex has all of the furniture from. I was XXXX on and was left with nothing but apparently the bills without being told.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/2022 I was appointed by the XXXX XXXX Probate Court to be the Conservator of the Estate and Person of XXXX. XXXX XXXX. has two accounts with Webster Bank and does business at the XXXX, CT branch telephone # XXXX. I went to the bank as XXXX XXXX. 's conservator and they refused to give me her money. She has outstanding bills that I am under a legal obligation to pay. The reason for doing so is that my Certification of Conservator has an " XXXX '' at the end of my first name and my CT motor vehicle license does not have an " XXXX '', " XXXX '' as opposed to " XXXX ''. I am a practicing attorney and a XXXX in the XXXX of CT and this has never been a problem. ( if relevant I will tell how the XXXX got dropped from XXXX ) I have been a Conservator in many different cases and presented the same documents at every bank in the community, as well as the Dept. of XXXX XXXX and the other various XXXX and XXXX benefit agencies and organization. This has not been a problem ANYWHERE. XXXX has decided to NOT GIVE MS.J.L. her money. Their obligation to provide their clients with the assets they were entrusted to hold trumps any bureaucratic decision about the XXXX at the end of my name. My birth name is XXXX. PLEASE HELP!!!!
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have contacted both Equifax and XXXX XXXX  about how they are currently still reporting that i am an active authorized user of the account listed on my credit report. I am not listed as an active user, I was removed some time ago and the account is actually paid in full and closed out. Equifax has yet to remove this from my report and it is causing me a hardship due to the fact I am unable to refinance my home.
Consumer complaint received 2021-09-08
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. (MD)

On XX/XX/2021 I sent a dispute letter to XXXX to validate and delete XXXX XXXX  Account Number : XXXX and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 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 2021-10-04
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. (PA)

XXXX XXXX bank has continued to report invalid information. Multiple disputes have yet to resolve the issue and no validation from XXXX XXXX or the credit bureaus have been received by me. 
First issue is that they were reporting a charged off account as open. Then they were reporting it charged off, every single month, for almost a year, so that it kept updating the date of last activity. 
Second issue is that I paid it off ( {$1700.00} ), in full, and they are not reporting it as such, so my utilization is showing at 254 % Third issue is that the account was never even mine to begin with. I have an FTC identity theft report and neither XXXX XXXX nor the credit bureaus took it seriously. The ONLY reason I paid something I didn't owe was because my mortgage lender advised me to just pay it and get it over with and fight it after the mortgage closed. 
This should be removed from all of my reports. There are multiple issues that have directly impacting my ability to gain new credit. I have attempted to work with XXXX XXXX and unfortunately keep getting sent to a woman who took it very personally that I dispute anything and told me she would never consent to removing anything from my report because I filed a complaint against them. She is leveraging my credit against me as retribution for filing a complaint. 
I would like this tradeline permanently removed from my credit reports.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

I have contacted both XXXX and Citi Bank about how they are currently still reporting that i am an active authorized user of the account listed on my credit report. I am not listed as an active user, I was removed some time ago and the account is actually paid in full and closed out. XXXX has yet to remove this from my report and it is causing me a hardship due to the fact I am unable to refinance my home.
Consumer complaint received 2020-07-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NY)

Letter dated XX/XX/2020 states I have a debt to XXXX, XXXX sent to American Coradius International, LLC to collect. I logged into the site provided with the ACI reference number and the last four of my SS #. It won't log me in. This debt is caused mostly likely from someone who knew my name, address and my email and opened a fraudulent XXXX account. I should not be responsible for this.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Io, Inc. (MD)

A man called my home phone number and asked to speak to me. I said this is she speaking. He said he was calling from some resolution/recovery company which was not noted on my caller I.D . He asked me for my personal information, my address and birthdate. I told him I do n't give out my personal information. His response was I 'll see you in court. 

My call I.D . showed : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX @ XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern : I've contacted XXXX XXXX XXXX on several occasions regarding negative information they've reported to the credit bureaus. The derogatory information that they are reporting is a charged off with a high credit amount of {$470000.00}. I've never signed a contract with XXXX XXXX XXXX and I've never done business with them. This reporting is erroneous and I've challenged the accuracy, compliance and reportability of this listing. I've asked XXXX XXXX XXXX to please validate this information and provide me with copies of any documentation associated with this account, bearing my signature because this is not my account.