davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX I opened a Citi regular checking account. I opened this account in response to an offer Citi had emailed to me on XX/XX/XXXX by clicking on the " see offer details '' button in the email and then signing up online on the Citibank website that clicking this button lead me to. You will find a PDF of this offer attached. 

The offer clearly states that a promotional bonus of {$400.00} will be deposited into this new checking account if {$15000.00} or more is deposited into the account within 20 days of opening and if that balance is maintained after opening for an additional 60 consecutive days. 

On XX/XX/XXXX I deposited {$15000.00} into my new Citi regular checking account. I maintained a minimum balance of at least {$15000.00} dollars in this new account until XX/XX/XXXX. This is XXXX consecutive days. This fulfils the terms of the agreement I entered into with Citibank and thus requires them to deposit the {$400.00} bonus into my Citi regular checking account which is still open. 

I have called the company at least 12 times regarding this problem. I have been told by multiple representatives that I have fulfilled all terms of the agreement, that they see the promotion attached to the account, and that all I needed to do is wait and the money will be deposited into my account. I have emailed once and faxed 3 times the same attached email offer submitted here to the CFPB to the Citi Promotions Team in a fruitless attempt to fix this situation. I can not devote any more time trying to convince Citibank to live up to the terms of the offer that I accepted from them for this checking account, and thus am seeking the CFPB 's help in this matter.
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: OPTUM BANK, INC. (TX)

I have called multiple times since the beginning of XX/XX/XXXX regarding a check that was supposed to be issued XXXX  business days after the stated date. They institution keeps giving me the run around regarding that check and i have yet to receive those funds.
Consumer complaint received 2022-02-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (LA)

After being told I could not put my loan in forbearance or deferment and I was not able to have the student loan discharged in my bankruptcy, I have told them I can not make a payment. However, they are multiple times a day multiple days a week. If I answer, sometimes no one is there other times it takes forever for them to respond when I say hello. Even after that phone call the continue to call!!! The XXXX images uploaded are just my missed calls from this week!!! Monday being XX/XX/2022. This does not show all the times I answered! Its harassment
Consumer complaint received 2022-05-26
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. (NJ)

On XX/XX/XXXX I sent XXXX/XXXX/Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' this item through XXXX XXXX. I then went to XXXX XXXX to dispute the item in question and XXXX XXXX was not able to verify the bankruptcy, so they deleted it from their database. 

Then again on XX/XX/XXXX and XX/XX/XXXX, I sent another letter to all 3 credit bureaus and showed them the deleted bankruptcy from XXXX XXXX as well as letter from the courthouse stating they do not report to any agency. The letter is also informing them that if they could not verify how the item was verified, then it needs to be deleted according to the FCRA. Once again, they refused to delete this item which is hindering my ability to purchase a home and causing me to pay thousands more in interest per year. 

Since XXXX, I either got no response to my inquiries or a generic " account is verified '' with no explanation which I ask them to refrain from. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

My boyfriend and I had an international flight cancellation / disruption due to illness ( with a doctor 's note ) in early XX/XX/XXXX that qualified us for the trip protection insurance that is offered to all Chase Sapphire Reserve credit card customers. I have had about 4 follow-ups with the travel insurance company that provides the trip cancellation insurance over the same documentations that I had already provided. I had reached out 4-5 times to ensure they had enough information to process my claim. Each time I was told that someone would review the information the following day and get back to me. But I would never hear back until I had to reach out again. There had been consistent delays and lack of communication. I had followed up with Chase, but they had to transfer me to the same 3rd party insurance provider. The insurance provider kept asking me for the same documentations ( doctor 's note / statement, airline 's proof of no reimbursement / no credit issued, which I had already uploaded ). I also had repeatedly explained that the airline, XXXX XXXX, would not issue a bespoke statement to indicate that no credit was issued. XXXX had asked me to upload their fare policy, which shows that given my fare class ( low ), they don't offer any refund / credit even in a medical emergency. 

Chase should find a different travel insurance provider - this one clearly does not work.
Consumer complaint received 2022-05-26
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. (CA)

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I've written numerous letters disputing the accuracy of the bankruptcy listed on my credit report. My most recently dated dispute sent certified mail with hard copy return receipt postmarked/date stamped XX/XX/2022, I've AGAIN requested you provide me with the proper verification of the information you've entered in my credit file as well as provide me the process ( es ) and procedure ( s ) used to determine this entry is " certified as accurate ''. I included the letter I wrote to the bankruptcy court using the information you have listed in my credit file. I also included the response letter the bankruptcy court sent me stating the court doesn't provide any information to any business, including credit bureaus i.e. XXXX, XXXX XXXX, Equifax, XXXX XXXX, XXXX, etc. You've already completed the investigation stating the same " certified as accurate. '' Once again you've failed to provide me with the procedure ( s ), process ( es ), and documents used to verify this inaccurate information. I've included in this complaint a copy of the blank bankruptcy section of my XXXX XXXX report as it doesn't list a bankruptcy in my XXXX consumer file, however you have XXXX listed as the source of the bankruptcy entry and closed my dispute stating you've verified this information. Who did you verify the bankruptcy information with and where are the documents showing the information used to verify it. 

In each letter I requested your company mail me the documents used to verify the inaccurate bankruptcy information along with a copy of my FULL COMPREHENSIVE CONSUMER CREDIT REPORT which includes all information included and listed in my credit file by XXXX MAIL. 

Per the FCRA, 15 U.S.C. 1681 ( a ), your company has failed to perform your due diligence by fully and completely performing a proper investigation of the inaccurate bankruptcy you've listed in my credit file and on my credit report.
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

I have previously summited information letting Equifax know these accounts are fraudulent. Nothing has been done. The accounts are still reporting. My Identity ( social security number name and address ) was exposed in the XX/XX/XXXX EquifaxXX/XX/XXXXData Breach. I believe this breach is how my identity was obtained to open these accounts. I have several fraudulent accounts reporting on my credit profiles. Accounts listed below : I did not authorize anyone to seek credit in my name, XXXX XXXX account # XXXX XXXX XXXX account # XXXX
Consumer complaint received 2022-05-26
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. (NJ)

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to ensure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : My Full Legal Name : First & Last Name XXXX XXXX XXXX Address : Address, City, State Zip XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 



My true and only name is XXXX XXXX Remove any other reported names immediately!! 
My true and only address XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX any other reported address immediately!! 
My true and only Date of birth is XXXX add the full date and remove any other reported dates immediately!! 
My true and only SSN XXXX Remove any other numbers you may have on file!! 

Immediately delete this personal data below and delete any and all accounts attached to this inaccurate data! 

These items are reported inaccurately : NAMES : XXXX XXXX XXXX XXXX XXXX XXXX Prior Residency : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Current Residency XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date of Birth XXXX XX/XX/XXXX XXXX CURRENT EMPLOYMENT XX/XX/XXXX Current Position XX/XX/XXXX Prior Position XX/XX/XXXX SSN XXXX XXXX
Consumer complaint received 2022-05-26
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. (NJ)

I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Consumer complaint received 2019-10-17
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-17
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. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX, I, XXXX XXXX received yet another telephone call from PNC Bank regarding an Student Spend Account that was opened for my son when he was approximately XXXX-years-old. Once my son turned XXXX-years-old, he and I both visited the PNC Branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My son ( XXXX ) and I, XXXX XXXX completed the required documents presented to us by the PNC Bank representative to close the Spend/Student Account and to Remove my name ( XXXX XXXX ) from the account. 

We left the PNC Bank thinking that the Account had in fact been closed after both, my son and I signed all the documents presented to us. This attempt to closed the account occurred approximately one and a half ( 1 1/2 ) years ago in the earlier part of XXXX. The account was never closed, and PNC Bank continues to harass me, XXXX XXXX, when my son overdrafts this account that should have been closed almost 2 solid years ago. Initially PNC indicated that the Student Account would not accrue late fees. Currently, the account is nearly {$600.00} over drafted due to late fees and all sorts of other charges. 

I have made multiple visits to PNC Bank and I have talked to PNC Bank Managers, and all PNC Bank Representative continually tell me that both I and my son need to visit the Bank a second time because the PNC Bank Representative that initially process the paperwork to Remove my name from the Account misplaced the documents. This is nothing more that a ruse for PNC Bank to illegally charge my son Overdraft fees. Opposed to closing the account, PNC allows the account to stay open simply to collect illegal overdraft fees. 

Please assist me in closing the Student Account and get me name Removed once and for all from my son 's Student " Spend '' Bank Account that was not supposed to be charged any late fees. 


Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2022-02-11
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. (DE)

XXXX XXXX  HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! VIOLATIONS - DELETING FROM XXXX REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - XXXX COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!
Consumer complaint received 2022-05-26
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 called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these items are inadvertently resulting in me being extorted.
Consumer complaint received 2016-12-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have asked repeatedly for the company to validate this account. They verified it to the credit bureaus, However they will not provide their method of verification. They have not provided me with the documentation to prove to me that this is my debt and that they are entitled to collect if owed.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX XX/XX/2022 {$420.00} # XXXX XX/XX/2022 {$200.00} # XXXX XX/XX/2022 {$5300.00} # XXXX XX/XX/2022 {$490.00} # XXXX XX/XX/2022 {$1200.00} # XXXX XX/XX/2022 {$300.00} # XXXX XX/XX/2022 {$5000.00} # XXXX XX/XX/2022 {$1600.00} # XXXX XX/XX/2022 {$170.00} # XXXX XX/XX/2022 {$96.00} has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NM)

I have one student loan account it is in good standing I talk to Navient On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment account
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions