davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OR)

I received an email ( attached ) from Citi XXXX XXXX XXXX on XX/XX/XXXX that I would get a {$200.00} cash bonus if I open a high yield checking account with required activities. The requirement to earn the {$200.00} cash bonus was " Open a new Citi XXXX XXXX Checking Account by XX/XX/XXXX. Then, within 30 days after account opening, deposit a minimum balance of {$5000.00} and maintain the balance for 60 days to receive your {$200.00} cash bonus. '' So I opened the checking account on XX/XX/XXXX with {$50.00} initial deposit, and made another {$5000.00} deposit on XX/XX/XXXX, and have kept a balance of {$5000.00} from XX/XX/XXXX to today XX/XX/XXXX. Therefore I have met all the requirements to earn the {$200.00} cash bonus. But as of today I have not yet received the cash bonus. When I called Citi bank on XX/XX/XXXX inquiring about the bonus, I provided Citi bank Customer Service the promotion information and the promotion code I received from Citi on XX/XX/XXXX. And my checking account was credited with {$200.00} on XXXX/XXXX/XXXX labeled as " Credit Adjustment for Inquiry # XXXX ''. However, on XX/XX/XXXX, Citi bank withdrew the {$200.00} credit from my checking account with an online message ( attached ) saying " Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. However, if you have a copy of the promotional documentation or letter you received, we may be able to assist you. If you have a copy of the promotional documentation, please fax the copies to XXXX. '' I faxed the promotion email I received from Citi on XX/XX/XXXX to Fax # XXXX, along with a fax cover letter ( attached ). But Citi bank still would not honor their promise of the {$200.00} cash bonus. I have called Citi bank customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I could not get resolution for this matter. I want to file this complaint so that others would not fall for this trap from Citi bank. Thanks
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

On my credit reports there is an account that is not mine. It is from a collection agency named XXXX XXXX & XXXX XXXX account # XXXX XXXX. It claims that I owed them a debt, which I do not and never signed an agreement with them. Now it is hurting my future because when I apply for housing the landlords reject me because on my credit report it states the XXXX XXXX XXXX XXXX account came from an apartment complex. Please help me with this situation as I do not owe any money and I can not get housing because of this.
Consumer complaint received 2015-07-31
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America refuses to honor the Power of Attorney I submitted so that I can manage my Aunt XXXX financial affairs. They refuse to remove an unauthorized {$25.00} annual membership charge by XXXX XXXX XXXX from her {$0.00} balance account and refuse to close the account. If they had closed the account when I asked them too, XXXX XXXX XXXX would not have been able to perform their little money harvesting operation. 
I have called BOA repeatedly. Supposedly, they filed a complaint for me in-house and were going to call me back when someone had a response for me, but nothing ever happened. I got one ridiculous phone call from some poor call center person in a fake executive issues office ( every large corp has these and they are WORTHLESS ) who tried to tell me that I could n't do anything on my Aunt 's behalf. 
XXXX XXXX *My Aunt is XXXX that her Medicare assigned doctor did not test her for when asked to do so. This happened because my Aunt XXXX is " just a Medicare patient '' and this doctor does not treat the patients assigned to her by Medicare. I learned this from a whistleblower in her office. ( A formal complaint has been filed with the XXXX, but they are also a chronically corrupt organization with a 15 year record of failed investigations and legislative oversight boards that accomplish nothing. No wonder people riot XXXX XXXX. 
* * *Anyway, if I remember correctly, there will be a place at the end of this process to attach supporting documents. I have one file to attach with XXXX pages containing the POA and it 's proof of delivery by certified mail, the insulting correspondence from BOA, the last XXXX invoices for the BOA XXXX that I have asked them to close after removing the unauthorized charge. 
* * *I have also been communicating with a gentleman at Aunt XXXX XXXX BOA bank branch. At the commercial banking level, I have been able to function, remove debit cards and manage my Aunt 's checking account. XXXX XXXX has been very helpful thus far, but he was unable to help me with this aspect of BOA 's operation. 
* * *Please do not do what you did last time. Please do not just send all of this to BOA and ask for a response. That does NOT work. BOA is a monolithic organization that is too big to live. It is a nightmare of consumer abuse. The last time the CFPB did this, all I got was a response that was completely unrelated to the issue and nearly impossible to access on the website. Worst of all, the offending organization actually stated in their response that the case was closed. And I never could get anyone at the CFPB, even escalating to the Ombudsman, to follow through and make sure that the problem was solved. 
NOTE : In the drop down below there is no selection for Power of Attorney issues. I have talked to MANY people who are caring for the elderly who have been treated like XXXX by banks and other organizations - but mostly the banks. Please add this to the drop down. 

Please do better this time.
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

On XX/XX/XXXX, my wife and I divorced and I was awarded our home and ordered to refinance the mortgage within 120 days or be forced to sell the home. I immediately contacted my mortgage company, Carrington Mortgage Services , LLC, to begin the refinancing process. 

Although I provided all documents requested on a timely basis, and paid {$600.00} for an appraisal, Carrington continually dragged their feet and did not respond in a timely manner to my phone calls and emails. 

On XX/XX/XXXX ( just shy of the 120 day time period I had to refinance the mortgage ), Carrington denied my application without just cause. I am now trying to refinance with another company and interest rates have gone up almost 1 percent. My ex-wife is also threatening to sue me for contempt of court. There is absolutely no reason Carrington should have spent almost 4 months on the refinance of my mortgage only to deny my application. They have cost me time and money and possibly the ownership of my home.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

LexisNexis continue to report incorrect information on my consumer file. There are several names and address listed that are not mine and I have NEVER lived there. Consumer agencies are required to report accurate information or it is a violation of the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX there should be no other name or name variations listed on my report. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX there should be no other addresses listed they do not belong to me. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX, XXXX XXXX SOC SEC  # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-07-19
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. (CA)

On my Citibank statements every month you can see the balance due is paid off by the end of billing cycle. The purchases compared to payments always add up until the XXXX statement. I paid the card off in the amount of XXXX but Citibank somehow recharged it or didnt actually take the payment off, again looking at the statements, it proves this. I had had fraud so in the course of 2 weeks I had 3 different credit card numbers attached to the one account. During one of the many calls I made to Citibank a few employees said they seen where it was credited to one number but not removed from another. They are saying my amount due is the exact amount I paid off at XXXX. I have requested an accountant go through the last year of my charges and payments but citi bank only sent a letter telling me they consider this matter closed and will no longer address my concerns. I feel like they are committing some type of fraud to the customers. I paid XXXX, have proof if was deducted from my bank and proof it shows Citibank recharged it on XX/XX/XXXX. They refuse to look anywhere past the obvious numbers they see. I gave my credit card number in the next section however I had 3 different numbers.
Consumer complaint received 2023-08-22
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. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (AR)

On Sunday XX/XX/2023 I accepted the offer to turn in an application for credit at XXXX XXXX XXXX Upon doing so it was brought to my attention that some of my personal information connected to my phone number was incorrect. I was satisfied to the best of my knowledge that this info had been corrected. On XX/XX/XXXX ok received an email addressing myself with a different name. This happened again on XX/XX/XXXX. I contacted the company about the issue after the first email. I am submitting this complaint to replace complaint number XXXX.
Consumer complaint received 2021-05-02
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. (FL)

On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.lso Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.
Consumer complaint received 2023-08-24
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: CITIBANK, N.A. (CA)

In accordance with the fair credit reporting act XXXX  account # ending in XXXX THE HOME DEPOT/CBNA, has violated my rights. 

15 USC 1681 section 602 States I have the right of privacy.

15 USC 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP (AZ)

I paid off a charged off account with US Bank this summer ( 2020 ) and was assured by US Bank that they would report that I owed a XXXX balance because we came to a settlement amount. It was paid and they sent me a letter stating the account was settled. They continue to report me as being late every month as well as having a balance owed. I have disputed this with all 3 credit bureaus and Us Bank keeps reporting that I owe a balance AND they keep reporting me as late! This is inaccurate and against the law. My wife has contacted them multiple times to correct this inaccuracy and they have assured us that they will fix it in 30 days but its been months of this and they continue to falsify information to the bureaus. Meanwhile my credit score drops monthly due to their inaccurate reporting.
Consumer complaint received 2020-11-25
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. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2015-05-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I 'm trying to get a copy of a mortgage discharge from XXXX XXXX XXXX that 's out of business. XXXX XXXX XXXX 's parent company, Nations Bank, is owned by Bank of America. I was advised by B of A to contact XXXX at XXXX. This number is voice mail only and after leaving numerous messages over several months they will not call me. The mortgage was taken out by my parents.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase Bank has been extremely negligent in processing several dispute claims I had previously submitted. It has been over 14 days since the initia submission of these disputes and I have not been provided with any credit while the investigation is underway. 

Per Claim Tracker via Chase Bank Mobile app, the following claims are open and still in progress... 

XXXX {$66.00} on XX/XX/2023 XXXX XXXX. {$32.00} on XX/XX/2023 XXXX XXXX XXXXXXXX {$120.00} on XX/XX/2023 MULTIPLE TRANSACTIONS {$25.00} on XX/XX/2023 Multiple Transactions {$10.00} on XX/XX/2023 Multiple Transactions {$26.00} on XX/XX/2023 This is not my first complaint with the same financial institution. Due to their consistent display of gross negligence and failure to abide by federal regulations which specify how to administer dispute claims I will be seeking legal assistance to initiate a suit in U.S. District Court for their insubordination, deceptive trade practices, and violations of Federal legislation.
Consumer complaint received 2020-09-09
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. (CA)

I called both the creditors and Transunion to get some incorrect hard inquiries removed off my credit report, first creditor , XXXX  XXXX XXXX, told me they could not help me and there's nothing they can do about an inaccurate inquiry ; i called back a second time and they bounced me around 8 times and eventually hung up on me. The second creditor to the other inaccurate inquiry simply will not answer or return my calls or emails. I turned to TransUnion to help get these removed by phone and they told me I have to get a letter of deletion and they have to mail it only to get them to delete my inquiries which is not what the website says and I believe they just lied to me. They told me to contact to the creditor because it's not their issue to deal with. I can't believe this is a credit bureau in America. The inaccurate inquiries I need to be removed are as follows : 1. XXXX XXXX XXXX - Institution Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX 2. XXXX - Institution Information XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/2019 I think this was fraud or credit pulls without my permission, i don't have any products with XXXX   XXXX XXXX.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

XXXX CXXXX XXXX  XXXX XXXX XXXX XXXX placed my account to the credit bureaus for a eviction which at the time I was covered under the XXXX XXXXXXXX in Nevada. I filed to have this matter sealed with XXXX XXXX justice court the case # is XXXX this record has been granted and sealed and should be removed from my public records and credit report please see attached
Consumer complaint received 2020-06-01
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. (GA)

I sent a dispute letter on XX/XX/2020 to Equifax regarding late payments to XXXX XXXX stating that I had 8 late payments. This information is untrue and inaccurate. I asked Equifax to investigate this problem for me. Not only have they not completed the investigation within the 30 day window, but I have not yet heard a response from them regarding this account. Please have them to delete this information immediately.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Greenberg, Grant & Richards Inc. (AZ)

Company has continued to call repeatedly about debt in question. I have requested that they send information directly to my mailbox which I gave them the address for and they still continue to call me. 

Debt collector is XXXX XXXX and XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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