davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-29
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (NY)

I bought a {$200.00} Amex gift card around XXXX XXXX. It had n't been authorized properly by the store clerk, so I could n't use it. After calling Amex, I sent them everything they asked for via the fax number they gave me - copies of both sides of the card, the sales receipt, and my NY XXXX i.d . 

I waited for weeks, got no response, called Amex & was told they were " working on it ''. More weeks, no response, I call again and am told the copy of my i. d. was too dark to be legible. I send them a lighter copy, more weeks pass, I called yesterday and was told a portion of my I. d. still could n't be read. I informed them I was n't faxing anything else but was contacting CFPBAmex has gone way beyond any necessary fraud protection. There are cites online documenting many, many similar complaints. Obviously, the longer Amex delays refunds, the more interest money they make on the float.
Consumer complaint received 2022-02-07
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC (NC)

On XX/XX/2022 I received an alert that my credit was pulled. I had no Idea on who did this because I currently have a morgage loan with loan depot and have not applied for any other loan. I contacted XXXX who provided the report and they advise me that Loan Depot requested this report and had my authorization. I did not provide this authorization and they falsly requested this on my behalf. I need this resolved by this creditor but have not been able to get this resolved.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (LA)

I received a promotional offer ( XXXX ) in XX/XX/XXXX ( XXXX American Advantage miles ) to open a CitiGold account with CitiBank by XXXX/XXXX/XXXX. The account was opened on XXXX/XXXX/XXXX. It was written that certain parameters and criteria had to be met in a certain amount of time in order to receive the promotional offer. Those criteria were met in XX/XX/XXXX. It was my understanding that after 90 days, the miles would post to my XXXX XXXX Advantage account. I began the process of follow-up XX/XX/XXXX, by way of secure message on Citi 's website, then again on the week of XXXX/XXXX/XXXX. On both occasions, the CSR indicated that I had met the requirements pertaining to promotion XXXX and I would receive the miles by the end of 90 days ( XX/XX/XXXX ). On both attempts with CitiBank, they responded that I was ineligible which is a contradiction to what the CSR 's shared with me. To date, those miles have not been credited and I need your help.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

I have had an ongoing issue since 2017 with this company where they are mixing my and my sister 's account as we have very similar names and social security numbers. Each month when a payment is due, I manually make a payment online, however, the payment is being applied to her account and not mine. I then begin receiving phone calls from Comenity Bank/Victoria 's Secret saying that my account is past due although I had already made a payment. They are also merging our personal information and my phone number is being applied to her account and vice versa. This has been causing me tremendous XXXX for the past 3 years and causing unnecessary late payments and late fees on my credit file, which are ultimately affecting my credit score and increasing my balance and interest payment. I have to deal with this every single month and there is never a solution as it continues to happen every month. This is taking time away from my work as they call me during work hours and I have to step out every month for an hour to speak to a representative to explain this issue and it never gets resolved.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A. (CA)

I was a previous member of Costco while the primary card was still XXXX XXXX. I cancelled my Costco membership in XXXX 2016 and constantly checked my XXXX XXXX account to make sure that there was no remaining balance. I was unaware that my balance would be switched over to CitiBank and now I have accrued multiple late fees and interest which has also had a detrimental affect on my credit. I have never missed a single payment to Costco nor XXXX or any other credit card prior to this incident. If I was aware of the switch over of my balance to CitiBank I would have paid it off. I will gladly pay off the original amount I owe, but it is unacceptable to not be able to remove the accrued interest and fees. The CitiBank representative that I spoke to was XXXX, ID : XXXX. I am not okay with the service that was provided and I expect Costco and CitiBank to resolve this issue.
Consumer complaint received 2021-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 90 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, XXXX XXXX, Subsection XXXX, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-03-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

XX/XX/XXXX XXXX XXXX XXXX New Mexico XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. After reviewing my report, I have found several items that I believe are inaccurate and do not belong to me. 

Firstly, I am unaware of an account with XXXX XXXX XXXX ( Account Number : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I request that it be deleted from my credit report. 

Secondly, I have no recollection of an account with XXXX XXXX XXXX ( Account Number : XXXX ). Therefore, it is not possible for you to update an account that I have no recollection of belonging to me. I demand that this account be removed immediately from my credit report. 

Thirdly, I can not recognize the business of XXXX XXXX ( Account Number : XXXX ). I request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Fourthly, I have no recollection of an account with XXXX XXXX XXXX XXXX. ( Account XXXX : XXXX ). I kindly request that you investigate and verify whether this account belongs to me, and if it does not, I demand that it be deleted from my credit report. 

Additionally, I have no recollection of authorizing credit inquiries by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. I demand that these inquiries be removed from my credit report as they were not authorized by me. 

Lastly, to the best of my knowledge, my account with XXXX XXXX XXXX ( Account Number : XXXX ) has never been paid late. Therefore, your reporting of my account is completely inaccurate, and it is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

I would appreciate your prompt attention to these matters and request that you provide me with written confirmation once these issues have been resolved. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, I noted a charge on my XXXX personal account in the amount of {$0.00} and I challenged it with XXXX and demanded a complete accounting as to how " XXXX XXXX XXXX XXXXXXXX '' got there. In my mind I see this XXXX cent charge as an entry method to pave the way to take money off my account from that unknown source apparently coming from XXXX. All Citi did in response was remove it from my history and state it was resolved I fortunately printed a copy of that charge before they removed it. Smells like old mackeral sitting the sun ... ... ... .....
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I suffered a loss to my Bank of America Account from my unemployment  insurance paid monies from the Employment Development of the State of California for the amount of {$3500.00}. A fraudulent account was created with XXXX XXXX with my identity and therefore a fraudulent withdrawal transfer was made to my account to a false created account with XXXX XXXX  Online banking. I have filed a police report with the XXXX XXXX XXXX Department, in XXXX, California. I have reported both the Employment Development Department Fraud division by letter and by fax, and also have filed claims and fraud reports with the Bank of America, which gave me the information that a transfer was made to XXXX Bank on XX/XX/2022 for the amount of {$3000.00} dollars from my bank of America debit card account. I have contacted XXXX Bank online banking through email to advise them that I have not opened an account with them at all. And requested them to close all accounts as they are fraudulent but have not received any updates or neither have I been in contact with anyone from XXXX Bank regarding this awful situation. I have faxed the EDD but have not received any updates on the claim. The bank of America has sent me a letter telling me that they decided that my claim is resolved and therefore they will not pay me for my loss.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I have been trying to contact my mortgage company for hours with no luck. I cant even get on hold for the next representative. I need to contact the insurance dept. I have an insurance claim pending and need to send the the check to cosign so i can pay the vendors. After jumping through numerous prompts all i get is their voice mail system and you need an ext or a person 's name to connect, which i have neither. I cant afford to pay to the repairs myself and need to speak with someone who can give me instructions on how to get the check signed by them or for them to waive the fact they need to cosign in which case i just need a email from them stating so
Consumer complaint received 2022-02-07
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. (MI)

I sent this credit bureau two rounds of dispute letters asking that they fully verify five collection accounts listed on my credit report from them as I believe that those accounts could possibly have illegal collection fees. In those dispute letters I asked that the debt be verified by providing original documents to support the claim. Each time I disputed, they " verified '' the accounts without sending original documents to fully validate the accounts.
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (GA)

PNC of XXXX Ga ..XXXX ga have charged my account several times for over-draft fee's.. I have went into bank and signed papers for as my account shall never be over drawn ... they have taken thses fee 's off in the past.. now they have taken {$100.00} from my account
Consumer complaint received 2015-03-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: U.S. BANCORP (IL)

U.S. BANK-RECOVERY APPEARED ON MY XXXX CREDIT REPORT ON XXXX/XXXX/2015, THE TELEPHONE IS FAKE AND RECEIVED CALLS FROM THIS PARTY AND ON VOICE MAIL.THIS APPEARS TO BE A FRAUDULENT ATTEMPT TO COLLECTION WITHOUT AND VALIDATION TO SUPPORT ACESSING MY CREDIT.SEE ATTACHED XXXX REPORT # XXXX, DATED XXXX/XXXX/2015.
Consumer complaint received 2015-06-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (WI)

I feel that I have been scammed by XXXX XXXX due to deceitful marketing letters. I wrote XXXX promotional checks for purchases that they sent me. The XXXX XXXX was in XXXX XXXX and the XXXX XXXX that I wrote was in XXXX XXXX. The XXXX check had a term of 0 % interest until XXXX XXXX and the XXXX check the promo was 0 % interest until XXXX XXXX. The letters that I received at that time did not have any " Special Notice '' box that they have recently added to their most recent offer letter. Now they explain in that box on the letter that in order to avoid interest you need to pay your account balance in full. On XXXX/XXXX/XXXX I received a credit for the amount of {$48.00} for interest charged for the past 4 months after I called and complained that I felt that this was deceitful and felt I was being scammed. I have now been charged interest on my last statement and will continue to be charged interest going forward on these XXXX purchases which I was let to believe was at 0 % interest. I had always paid in full in the past but I will not pay in full for these XXXX purchases since I was given an offer of 0 % interest until the dates I mentioned earlier and there was no explanation back then on their promo letters explaining that to avoid interest I needed to pay the entire amount in full including the 0 % interest purchases. I find it very interesting that they have now included on their 0 % promo letters this special box and in bold " Special Notice '' since I made the call to complain.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 


XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Consumer complaint received 2020-10-16
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: Experian Information Solutions Inc. (TN)

I am beyond furious and I pray to XXXX that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. Unfortunately, it's been over 60 days and I'm pretty positive that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

From XX/XX/XXXX up until XX/XX/XXXX I was struggling to pay my credit card bill with USAA. I contacted them and tried to work out and agreement and they neglected to help, telling me that fees and interest would still accumulate and late payment fees as well. And they eventually closed my account. So XXXX of XXXX came around and I received a notice of interest continuing to be charged on my closed USAA account. I contacted them and made them aware of this matter and that I had been laid off due to the Covid-19 virus. They further neglected to help, stating, fees will continue to accrue until the account was paid in full. As a XXXX, I feel discriminated against for something that was out of my control. USAA definitely doesnt care, and is continuing to charge me fees, interest, and late payments on this closed account.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Unreasonable delays ; long waits on every phone call. Generally, I wait for over XXXX minutes to speak to someone. No one point of contact is assigned and they fail to review the file and update the requests. Repeated ask for things they have and request things that are not relevant to the process.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PA)

I am a CitiCard holder for twelve years. In twelve years I have never had a delinquency with them. On XXXX XXXX, 2016 I gave XXXX experienced some health issues. After coming home and getting settled in XXXX, I missed my Citicard payment. I called and called Citi to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my twelve year account to good status. 
Thank you
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I found a complaint with the Ohio attorney general 's office I filed a complaint with XXXX XXXX personally and I also wrote two judges XXXX XXXX XXXX XXXX agreed to give me a loan modification I had a bankruptcy dismissed and I missed it at XXXX XXXX sold my home and had me evicted from my own home there's still on my credit report I had no knowledge of the title being taken out of my name and they're making it impossible for me to obtain housing due to the inaccurate reporting on my credit I would like for XXXX XXXX balance amounts to be zeroed out and for the eviction to be removed I paid taxes on my property and then my property was taken out of my name which currently left me homeless I'm trying to obtain housing and the credit report is holding everything up. I contacted her and was told this is clearly mortgage fraud and more action needs to be taken in reference to this issue..
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IL)

On XXXX/XXXX/2016 I opened a new Citi AAdvantage card for a credit on an airline ticket purchase. I used the new card successfully to purchase my ticket. On XXXX/XXXX/2016 I received an email asking me to call Citi about potentially suspicious activity. I never received the actual credit card itself so this was concerning. When I Googled the phone numbers associated with the calls made on XXXX/XXXX/2016 between me and Citi there were numerous reports online about people having the same experience as I was. Specifically, opening a Citi AAdvantage card then having suspicious charges made in Michigan state showing up as fraud. Seems odd that these particular fraud events would be repeated in detail on more than XXXX persons account in the same way. Seems like maybe it 's an inside job.