davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (KS)

I have spent 12+ months do not have dates or times except XXXX thru XXXX Citi bank allowed a XXXX fraudulent withdrawl to come out of my bank account. I reported the fraud to my bank Citi. I have filed complaints and tried at least 22 times to get an answer from Citi on where we are in the investigation what can be done to make sure my account is in good standing. Because someone has gotten in my account they will not talk to me stating that my security words are wrong and that my information does not match. So no one will speak to me. I have tried to get my info to be honest I am at a loss why a bank would not file a fraud form and make sure my account did not close or protect their customers from having a closed account I will never know. I also requested they file a fraud form due to the fraud on my account. They hung up on me. 
I have been trying to resolve this issue and then the bank reported with an amount which was the amount frauded from my account on XXXX. So now I can't even go with another financial institue. What can be done please help.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I had a Bank of America credit card on which I had a first late payment in XX/XX/XXXX. The account was closed by Bank of America and referred to Bank of America Collections. While I eventually paid the full balance due, the closed account was continuously late from XX/XX/XXXX to XX/XX/XXXX. This account continues to show up on all three credit bureau reports. Because the date of first default is more than seven years ago and the account was in collections, the entire account should by now be removed from my credit report. 

I filed a dispute with XXXX  and received notification that Bank of America had confirmed the account as accurate and is reporting it as late from XX/XX/XXXX to XX/XX/XXXX. It does not show the earlier late payments. 

I contacted Bank of America 's Credit Card Department. The employee informed me that he also saw that the account should be removed from my credit report but transferred me to the Collections Department for further assistance. The Collections Department Employee told me that they do not keep records going back that far and was unable to locate my old account for further assistance.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

I submitted a dispute on XX/XX/XXXX to chime bank after noticing several charges that were duplicate amounts I never authorized on the same days at the same exact times and was told I would receive provisional credit by the 10th day. On that day I received an email stating I would not be given provisional credit due to the types of charges I was disputing and that within 30 days I decision would be made on my disputes. Okay fine whatever I can live without the provisional credit. Surely my money will be refunded once they look at my claim as it's clear as day it was duplicate charges as no one can make several charges in the same exact minute right?? So I keep checking the app and inquiring about my dispute... .they tell me now that it will take 90 days to make a decision. Which. Again. Whatever as long as I get my money back. So then on XX/XX/22 I get an email stating that they concluded their investigation and I would not be receiving my money back. Just like that. No further explanation. So I respond to their email and request the documents used and the info on how to appeal as I am allowed the right to do under law. And I get a generic email back that they are forwarding my email to the disputes department and someone would be in touch. 2 days later i get a link to my supposed documents by email and I click on the link. Only to find out it's a " forbidden request '' and there is no documents attached to this link. I email them and tell them this. And once again request my documents ... .and then I once again get the generic message that it will be sent over and the dispute department will get back to me ... .followed by an email saying within 10 days I'll get my documents ... ... but yet still no documents. I'm guessing because a mistake was made and they dont have a reason to deny my claim afterall. I am getting a 3rd party involved because I have read over 2k complaints against chime for this very reason and am disgusted in its practices. They should be held accountable for their actions to steal people 's hard earned money and if nothing else. Should be following the laws set forth to protect the consumer who trusts their money to a financial institution. Those laws are thrre for a reason. I am a single mother with no support system. Unable to work right now and that was a lot of money my children needed. And they just stop responding to my requests when I call them out on stealing my money. Its sick. Wheres my money and/ or my documents chime????
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

In XX/XX/XXXX I opened a checking account with Citi Bank under a promotion under which a {$300.00} bonus would be rewarded with completion of the following 2 terms : 1. Deposit {$15000.00} of new to Citi Bank funds, and 2. Maintain a balance of {$15000.00} for 60 consecutive  calendar days Upon completion of those 2 terms, the bonus would be deposited into the account after 90 days.

After not receiving the bonus into my checking account, I began with what now has been a 5 month battle to acquire the bonus.

At first, the company informed me that they did not have a W9 on file, this was in XX/XX/XXXX, so I promptly printed and mailed back into them. After not hearing from them for several weeks I called and they stated that they had not received it ( this was in late XX/XX/XXXX ), so I resent. 

Contacted them again in XX/XX/XXXX and finally spoke with a supervisor who stated that they received the W9 on XX/XX/XXXX, and that she would initiate an investigation. 

I later received a letter stating that I had not met the terms of the agreement because I failed to open a savings account ( which is clearly not one of their terms of agreement ), so I called on Wednesday XX/XX/XXXX and spoke with XXXX ( Team # XXXX ) who stated that I had completed all the terms and was not sure why I had not received the bonus, but that should would, again, escalate this to the investigation dept, and that she would contact me direct for a follow up in a few days. 

After still not hearing from XXXX, I called today, XX/XX/XXXX and spoke with another supervisor XXXX ( Team # XXXX ), and after another extended phone call, was told that she would take over and escalate it to the investigation dept ( the same one that denied the bonus based on false term ). Informed her that I was contacting the CFPB. She did tell me that she would get back in touch with me by Tuesday, XX/XX/XXXX.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (KS)

The property sold in early XXXX so we no longer had possession of property we went to get a loan 4 months ago and they ran my credit and said we have a 90day late payment from wellsfargo in XXXX I called and they said they would take care of it we talked to a lender yesterday XX/XX/XXXX and he said he pulled credit and it now shows two 90 day late payments one from XXXX and one on XX/XX/XXXX so it is crashing my credit i called and they say they will fix it but there now is two instead of one and its stopping me from buying a house. It is reflecting on my credit bad.
Consumer complaint received 2023-02-22
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: BANK OF THE WEST (CA)

I applied for a credit card with the bank, and was approved. I did not receive the card, and apparently it was stolen before arriving at my house. XXXX fraudulent charges were made on XX/XX/XXXX. The transaction amount totaled around {$2100.00}. A few days later, I found out about them due to a fraud alert service. I immediately called Bank of the West to report the card lost. 

Due to my e-mail address not matching their records ( but everything else matching ), Bank of the West said I had to go to a Bank of the West branch to dispute the charges. I did so on XX/XX/XXXX. There, I spoke to a teller, who called the credit card service, and I was able to dispute the charges. I was told they'd mail me confirmation of the dispute, which I never received in the mail. 

Per the Bank of the West 's advice, I also filed a local police report, and an identity theft report with the Federal Trade Commission. 

Since then, I've been periodically calling the Bank of the West to inquire the status of the dispute. One time they told me it would take up to 30 days. That has since passed. Today, XX/XX/XXXX, they said it will be 2-3 weeks until it might be resolved. 

This is by far the longest I have ever had to wait for a credit card dispute to be resolved.
Consumer complaint received 2023-06-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I got letters and the mortgage statement from different address and XXXX different banks MT & Bank and XXXX. And sometimes they do not send me the mortgage statement how I have been requested several times. I sent to MT & Bank XXXX e-mails asking them how much do I have to pay in XX/XX/XXXX and they answer me {$820.00} in XXXX. in the second e-mail they said me {$550.00} in XX/XX/XXXX because the ESCROW is {$260.00}. If you check the letter from XXXX they say the ESCROW is {$120.00}. 
I sent my payment on XX/XX/XXXX ( BEFORE XX/XX/XXXX ) waiting for the bank answer about pay my bill in XXXX monthly payments how I requested to the bank for my economic situation ( HARDSHIP TIME ) that I am not working, I live with a minor and I do not want to loss my house. 
Today, XX/XX/XXXX I got a letter from XXXX saying I have not paid XXXX. Check the attachment, please. Plus, I have to pay {$820.00} on XX/XX/XXXX when I supposed pay ONLY {$120.00} OF ESCROW. Then the payment for XXXX IS NOT {$820.00}. 
XXXX, after I called to MT & Bank XXXX XXXX to set up my monthly payments arrangements because I was going through for a hardship times, XXXX XXXX up and starts sending me documents. My account and my payments are on the MT & Bank website. I suspect they are charging me more because I have never stopped making my monthly payments. 
*******And these inconsistencies can be seen and compared in the M & T Bank XXXX and XXXX mortgage statements.
Consumer complaint received 2022-01-17
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. (MD)

To whom it may concern, I have been in an ongoing battle with Transunion as they refuse to properly investigate and remove a bankruptcy that does not belong to me. This has been going on since XXXX of 2021. They continually produce a generic response date XX/XX/2021. I sent a verification letter in XXXX of 2021 asking how the bankruptcy was verified and Transunion stated that it was verified by XXXX XXXX which is a third party and the MD state bankruptcy court. I reached out two both parties who sent letters stating that they did not verify any bankruptcies with Transunion nor do they have a bankruptcy listed as mine. I have sent these letters to TransUnion countless times and they refuse to properly investigate and remove this fraudulent bankruptcy from my report. I am devastated that the CFPB has allowed them to get away with this behavior for almost a year as I have continually reported Transunion and nothing has been done. Not only has this hurt my credit but my character as well as I have trouble getting approved for things. Please ensure that a proper investigation is done.
Consumer complaint received 2022-01-17
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)

XXXX Account number on Experian XXXX Account type Credit card. Date opened XXXX and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became homeless and was a victim of fraud not because of bad credit. I complained several times XXXX is reporting false information on my credit report and please remove it. I sent proof that XXXX was not part of the Bankruptcy Chapter XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1000.00}
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WI)

XXXXXX/XX/XXXX XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX ) let someone fraudulently change the mailing address on my credit card account then run up a bill they never paid. Since the mailing address had been changed, I never received any notices this had happened. The company XXXX XXXX XX/XX/XXXX then sold my account to a debt collector. They now claim no responsibility for what happened, even though it was their bank and personnel which made the changes to my account which resulted in this debt. 

The debt collectors, Midland Credit Management , Inc., XXXX. XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, is now wanting me to pay the charges associated with purchases I never made.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2021 Capital One closed my credit card even though I had been making my payments and was not deliquent. When I went to use my card it did not work. When I called them they said the account restricted. At which point I called the next business day to see what happened and they referred me to another number which I called. I was told that because I had a criminal background I could not have that card and they said it was in the paperwork that was sent to me when I opened the card. But looking at that paperwork nothing was there stating I could not have the card if I had a criminal background and nothing was said the card could not be used to pay a fine. I researched further to see if I could find anything on their website or documents stating this but found nothing. They told me they would send me a copy of the paperwork but I never received anything from them. They have been contacted several times about where the paperwork was but they have produced it. 

To me I feel I was discriminated against and was never fully advised of this restriction. 
They have not been responsive to me even though I've called many times.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX I received an email from Capital One offering a promotion for balance transfers stating I would receive 0 % XXXX for XXXX months with a 2 % transfer fee. It clearly stated that the offer was valid through XX/XX/22 and said nothing at all about it having to be submitted by XXXX. Upon trying to redeem the offer, the link they sent me took me to an online form for a balance transfer with an APR of 19.99 %. When I called to inquire about the mistake, the " Senior Account Supervisor '' XXXX stated that the offer must no lot be available and said it must be because it was after XXXX XXXX ET. She refused to explain why they would contradict the written offer I was sent and refused to honor the offer that was made to me. She also stated that no one in the company ranked higher than her would hear from me or contact me. Not sure if that is true but I find it suspect that she suggested I should call back and try another supervisor.
Consumer complaint received 2022-08-08
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. (IL)

I sent my letter to Equifax on XXXX. XXXX, XXXX  I told the credit bureau to " investigate every piece of information '' on the accounts I have listed below : XXXX - XXXXXXXX XXXX/ ACCOUNT # XXXX XXXX  XXXX XXXX XXXX I have attached the letters I sent out and here are the tracking numbers : XXXX XXXX XXXX XXXX XXXX According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, associates of the consumer reported on or with others of whom he/she is acquainted or who may have knowledge concerning any such items of information. 

The credit bureau stated that these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM O 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 COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

SEARS/CBNA Account number on XXXX XXXX Account type Credit card. Date opened XXXXSEARS/CBNA and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became XXXX  and was a victim of fraud not because of bad credit. I complained several times SEARS/CBNA is reporting false information on my credit report and please remove it. I sent proof that SEARS/CBNA was not part of the Bankruptcy XXXX XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DYNAMIC RECOVERY SERVICES, INC. (AZ)

On XX/XX/2019 at XXXX we received a call ( XXXX ) with a recorded message for an XXXX XXXX stating that they needed to call back XXXX XXXX ) and reference case # XXXX as a case is being filed in their county. After pressing 0 the initial operator did not give any information about the company and put the call on hold until it was hung up a few minutes later with no warning. I called the number given and the operator said the company is DYNAMIC RECOVERY and stated that he would try to get our number removed. These calls have persisted even after asking for our numbers to be removed previously
Consumer complaint received 2021-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

In early XX/XX/2021 my local tax authority refunded overpayments for annual taxes for the last three years and sent this money back to Shellpoint Mortgage to my escrow account. Initially, I had to call because all the money was not showing as it appears they were missing one tax year after confirming with the local tax authority. I then requested the money be refunded back to me as the money being held is four times what is necessary in the escrow account. I have called on a few occasions and was told this matter was being escalated. 
I am obligated to pay my mortgage on time and this money was clearly a refund and should have been immediately returned to me.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Reporting act XXXX  # 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 an account without my written instructions.