davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I signed up for a Citi Bank N.A. new checking account offer. First time Citi account opener ( which I was ). Open a new checking account, and deposit {$5000.00} in new funds. Then hold the {$5000.00} in new funds for 60 days or longer, and within 90 days Citi will award a {$200.00} bonus. I deposited {$5000.00} and held it there for over 90 days, but did not receive the bonus. And, when I reached out to people at Citi to resolve, I received no help. I have attached screenshotted proof of my transaction history, showing the {$5000.00} going in on XX/XX/20 and staying for over 90 days. Thanks for your help.
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. (IL)

Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information. I am demanding that you delete this account from my report immediately as it is a violation of my rights as a federal protected consumer under title 15 usc 1681b.
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (WA)

A representative from The USI Solutions office contacted me in an attempt to contact my spouse. Red flag # 1 was they utilized my spouses maiden name which she hasnt gone by since 2015 # 2 they had no contact information for her only my phone number. # 3 they didnt even know her spouses name the owner of the phone number which they had contacted. They also could not provide an email to my spouse regarding the issue or contact information for the office. 

Representatives # XXXX XXXX XXXX Ext XXXX
Consumer complaint received 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CIS DIRECT LENDING (SC)

CIS XXXX  I ask the company to fix the information on my account they add late payments thats inaccurate. AND TOLD ME IT QAS VERIFY. 
I DO NOT TRUE THIS COMPANY PLEASE REMKVE THIS ACCOUNT They have so many violation on my account My open dates is inaccurate My late payments are inaccurate Please DELETED this account CIS XXXX XXXX FROM ALL 3 CREDIT REPORTS FOR INACCURATE PAYMENTS INACCURATE OPEN DATE INACCURATE PAYMENT DATES THIS A violation please delete cis fin
Consumer complaint received 2022-09-22
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. (IL)

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Consumer complaint received 2021-05-01
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 Equifax a letter disputing the accounts in error on credit report XXXX XXXX and Chapter XXXX Bankruptcy in XX/XX/2021. Equifax did not respond to dispute with investigation results. I sent another dispute letter about Chapter XXXX Bankruptcy and Equifax did not respond dispute with investigation results. Per the Fair Credit Reporting Act a credit reporting agency has 30 days to respond to a dispute and if they do not the items they are reporting must be deleted.
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Sometime in XXXX I was the victim of identity fraud due to the breach at XXXX Once I started receiving various billings on accounts I did not open I reported the fraudulent activity and filed a police report with the XXXX XXXX County Sheriff. All of the other accounts were deemed fraudulent and I was no longer billed. 
The Home Depot was a company that CONTINUED to open fraudulent accounts on my stolen identity in the area of Northern California EVEN AFTER A " PASSWORD '' WAS PLACED ON MY INFORMATION and my social security number was flagged by Home Depot Credit. I reported each account as fraudulent and received subsequent letters that the account would be closed and that any information reported to the three credit reporting agencies would be deleted.

The Home Depot, in spite of the above opened yet another fraudulent account. For the past year I have been calling every time I receive a statement and am assured that the account will be revised to show a zero balance. 
In XX/XX/XXXX, I received a past due statement from Citi Bank who services credit for The Home Depot. On XX/XX/XXXX I called Citi Bank and advised that the account was indeed fraudulent. I spoke with an individual who identified herself as " XXXX XXXX ''. I was advised by XXXX that the charges would be reversed to show a XXXX balance. 
As of today, XX/XX/XXXX I received notice that the fraudulent Home Depot account has been reported to the various credit reporting agencies as delinquent which has caused my credit score to drop over 80 points causing great damage to me in that my husband and I are attempting to refinance our home. After repeated attempts to contact Home Depot today I have been ( 1 ) transferred to a non-working number by " XXXX '' ( 2 ) after calling back a representative " XXXX '' hung up after saying he could not hear me and ( 3 ) disconnected twice. Before transferring me, XXXX read the notes on the account and reiterated that she saw that it was in fact a fraudulent account and that I should not be receiving bills. 
I have over 20 pages of evidence supporting the above-upon request I will mail copies to you.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am submitting this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2021-04-12
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: SYNCHRONY FINANCIAL (TX)

Synchrony bank issuer of Ashley furniture credit card. On XX/XX/XXXX I called and asked politely if they would do a pay for deletion of a late payment showing up for XX/XX/XXXX. During the phone call I stated at least 10times that I was not disputing it was late I was just asking nicely if they could take it off. I explained that I am in the process of buying a home and you can not get a home if you dispute items on credit report. The manager XXXX made it sound like there wasnt much she could do but would ask the credit reporting company to please take off late payment. Not only did they list it as a dispute when I told them not to they also reported XX/XX/XXXX as late even though a payment arrangement had been agreed upon. So my family is now homeless and we are unable to get a home. After seeing what they did I tried to call them on XX/XX/XXXX to have them fix the issue but every time I ask to speak with manager they hung up on me. I really feel like because they got their money they could care less about actually being helpful.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (NY)

In XXXX i opened a SYNC/XXXX  account. in XXXX it was closed, on XX/XX/XXXX it was removed from all credit credit bureaus, i called the bank, the bank said they have no record of my account, they ask me for my account number, i told them i only have the first six numbers or the last four numbers. they said its no good. i called the credit bureaus to ask if they can give me my account number. they the don't give full account number. 
Maybe the credit bureaus would give you the full account number .... 


the complaint is for SYNC/XXXX
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (MS)

I have a mortgage with Regions Mortgage. I wanted forced placed flood insurance because it was almost {$700.00} cheaper than what my policy was going to be. I got XXXX notices that this would happen if they did not receive my flood insurance from the current insurance company. I called Regions customer service on XX/XX/30 talked with " XXXX '' and he said he would make a notation in the system about this and for them to use the forced placed insurance of {$220.00} ( shown on form sent to me by Regions ). I had just recently did this on another property we own with forced placed since it was so much cheaper with no issues. Got a letter on XXXX stating they paid the other policy. I can not cancel it per FEMA guidelines unless I have another policy to show it is in force, which Regions say they can not do. I talked with XXXX XXXX (? ) and left numerous messages and he finally called me back. He got XXXX XXXX involved and said at this point there was nothing they could do and they apologized for the person not notating it correctly in their system. I have asked for this to be escalated further as this is costing me an extra {$700.00} this year.
Consumer complaint received 2018-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Dear CFPB officer. 
I opened Citibank account package with the advertised bonus of {$400.00} ( Promo ID : XXXX ; attached ). I opened the account on XX/XX/2018 using Citibank personal banker at the XXXX, XXXX XXXX branch and completed the required deposit ( {$15000.00} ) on XX/XX/2018. I maintained the minimum balance of {$15000.00} for more than 60 calendar days ( XX/XX/2018 ) following the date of the deposit. According to XXXX XXXX XXXX, I should have received the bonus within 90 days ( XX/XX/2018 ) of meeting the requirements. However, I didn't receive the bonus yet. I received an email from Citibank that a tax form was missing ; however, the personal banker mentioned to me that he had all the forms when he opened my account. I went to the branch and another personal banker told me that he can see that all the requirements were met and I should receive the bonus. Two weeks passed and I didn't receive the bonus. I went to branch again, and the personal banker again confirmed that I met the requirements and to resolve it he raised a request with back office and asked me to give it 6 working days. After 6 working days, when I didn't receive the bonus, I went to branch again and the personal banker mentioned that he has forwarded all the details to the branch manager who has the power to resolve the matter and post the bonus within 2 days. This visit was on XX/XX/2018 and I still haven't received the bonus yet. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter.
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I transferred XXXX ThankYou Points ( Citibank ) to XXXX XXXX to book award flights on XX/XX/XXXX. The transfer was instant, but XXXX 's website was having serious technical issues and the booking was not successful after several contacts with XXXX 's customer service. On XX/XX/XXXX, two days after I initiated the transfer and saw the booking probably never would be successful, I contacted Citi and Citi initiated a point dispute. Citi 's service  agent reassured me that for a case like this ( technical error on XXXX 's side ), the dispute would be successful, and they would call me back after they heard back from XXXX. However, I haven't received any calls and after a week, when I contacted Citi once again, the agent said the dispute was not successful, and the point reversal is not going to happen the moment I transferred them. Citi basically refused to argue with XXXX on behalf of their customers and Citi ThankYou Points customers literally have no protection at all after they initiate a transfer.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent out letters on XXXX/XXXX/22 disputing inaccurate information from my consumer credit report regarding accounts that I'm not familiar with. I still haven't gotten a response or any mail concerning my disputes which I am concerned about I read a law that stated these accounts are in violation of Section 623 ( e ) I read a book learning the FCRA prohibits information furnishers from providing information to a credit reporting agency that they know or have reasonable cause to believe is inaccurate. This is also another violation I thought the credit bureaus had 30 days to respond my consumer rights have been violated its been well over 30 days and per fcra, these accounts should be deleted immediately. These violations have caused me stress and the amount of time I can't get back trying to figure out why the bureaus violated my consumer rights I feel as tho they have played with my emotions and time. These accounts are illegally reporting and hurting my consumer report which is causing my life stress.
Consumer complaint received 2018-04-18
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. (OR)

I have reported to all 3 credit bureaus multiple times that XXXX is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.
Consumer complaint received 2021-04-12
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

This company, which I hold no contract with nor no longer services with reported a collection account against my SSN in the amount of {$300.00} with XXXX  XXXX XXXX and XXXX XXXXredit reporting agency. The business can not provide verification of the debt and account. Considering this business does not have a contract with me for goods or services they have provided nor can they provide adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Coinbase case number XXXX .On XX/XX/21 I made a mistake and I purchase USDC coin for XXXX and deposit XXXX from my bank into coinbase at the same time. I only had XXXX in the bank so I had to cancel XXXX and called XXXX and they cancel one transaction on XX/XX/21 and deposit XXXX into coinbase. On XX/XX/21 and XX/XX/21 coinbase collected both transactions and left my balance negative XXXX. I was surprised and called XXXX XXXX and they assured me that they deposit XXXX into coinbase and my bank statement is proof they deposit the XXXX. Where is the XXXX that XXXX XXXX deposit? Im negative XXXX in my bank account. I have written multiple emails to coinbase on XX/XX/21, XX/XX/21, and XX/XX/21 and no answer to where is the money. I also wrote to XXXX  case number XXXX but not answer yet. Please I need your help to get my XXXX back from coinbase.
Consumer complaint received 2022-12-03
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: CREDIT ACCEPTANCE CORPORATION (AZ)

15 USC 1681 Section 602 states I have the right to my privacy 15 USC 1681 Section 2 it also states a consumer reporting agency can not furnish an account with out my written consent Instructions.

15 USC 1666B A creditor may not treat a payment on an credit under an account open and a consumer credit plan as late
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial abuse by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX. I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my XXXX  to further solidify my identity as a victim of abuse in many forms, financial abuse being one of the many.
Consumer complaint received 2022-06-06
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: Affirm Holdings, Inc (FL)

I got a delinquent loan on my credit report stating that I had a {$390.00} balance for Affirm. Im confused because I have not used Affirm at all. My XXXX has recently been giving me notifications saying that my data has been compromised. Im worried that I may be at risk for identity theft. I did not open this Affirm account and I did not use it to purchase anything.
Consumer complaint received 2020-06-04
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc. (SC)

XXXX XXXX keeps contacting me without forwarding proof that the Bill is mine. I have requested additional information on the Account, but they had only sent a Bill. & I am unfamiliar with the Creditor that is on my Credit Report & I have not signed for the Medical Services this Company stated they conducted.
Consumer complaint received 2021-10-08
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 — Their investigation did not fix an error on your report
Company: KINGS CREDIT SERVICES (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-11-04
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance $ XXXX-Date Opened XXXX XX/XX/XXXX ( Original Creditor : XXXX  ) XXXX $ XXXX-Date Opened : XX/XX/XXXX