davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — Store credit 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 XX/XX/XXXX I purchased {$3500.00} worth of {$100.00} XXXX and {$100.00} XXXX gift cards. At the time of purchase XXXX, {$100.00} XXXX and {$100.00} XXXX gift cards were not activated at purchase but I was charged for them plus {$5.00} per card for activation. I asked the assistant XXXX XXXX for a refund and he said all gift card sales are final. He refused to issue a refund and said someone would call me tomorrow, Monday XX/XX/XXXX, no one called me. He refused to issue a refund. He suggested I call Home Depot Credit Services and request them to activate the cards. I spent an hour on the phone with XXXX from the gift card services on XX/XX/XXXX because XX/XX/XXXX was a Sunday and they were closed. XXXX the representative had me read each card to her, I did. XXXX gift cards. Then she said she could not activate them over the phone and to call XXXX and XXXX and ask them to do it since the store would not and she could not either. XXXX said someone would call me on Monday XX/XX/XXXX and no one called me so I then called and asked the XXXX on duty XXXX when the store XXXX XXXX would be there. XXXX is the store XXXX. She said she would call me back and did on XX/XX/XXXX. XXXX said to come in and speak to XXXX on Tuesday XX/XX/XXXX. XXXX tried called gift card department and was hung up on. I tried called as well and as hung up on. Each time I called Home Depot credit services I was hung up on. I dont know what happened but this is a grave injustice and greatly frustrating for someone to keep hanging up on me. I have XXXX, {$100.00} Visa and {$100.00} XXXX gift cards that are not activated, that I was charged for and I can not use them. I then called and got a hold of XXXX that filed the dispute for {$1300.00}. I received a letter from XXXX XXXX and was told the dispute had been filed. I sent a fax on XX/XX/XXXX and was told to contact the store manager for a credit on my account. The manager is the one that told me to file a dispute. I called on XX/XX/XXXX and verified with XXXX that the fax had been received with the activations of the cards that were declined, decline code XXXX. Now the store is hanging up on me again. I do not know what else to do. I disputed part of the amount because I have these XXXX, {$100.00} visa and master card gift cards that I can not use because XXXX XXXX did not activate them when I purchased them. It is not fair, I should not be charged and I want a credit on my account for the full amount asap. I shouldnt have to file a dispute or even be hung up on repeatedly or even have to file a complaint with the CFPB for a resolution. This is so disrespectful. Please help me resolve this. Thank you.
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Venmo has permanently deactivated my account, will not discuss why, I only used the app to send child support for my child. The times I have reached out to Venmo, theyve said they dont see any bad transactions on my account, then transfer me for my account to be released and Im then told I can not do anything.
Consumer complaint received 2022-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

We had our mortgage bought by Mr Cooper Mortgage. A few months later they informed us of an almost {$700.00} a month increase in the payments. I tried several times to contact them and have been unsuccessful in finding out why the huge increase. No explanation, unable to get an answer. Very difficult to deal with.
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: SECURITY FINANCE CORP (TX)

15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it is 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 my credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I have an online bank account with Chime and an unauthorized fraudulent external bank account was linked XXXX months ago without my knowledge. Unauthorized Transfers were made on : XX/XX/XXXX {$540.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$640.00} XX/XX/XXXX {$460.00} Total {$1900.00} I provided bank letter directly from XXXX XXXX XXXX XXXXXXXX and police report information # XXXX regarding my claim. As I have exclaimed I DO NOT own XXXX XXXX XXXX XXXXXXXX and dont know how this was fraudulently linked to my chime account. 

Chime bank has denied my case twice.
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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.
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: Skopos Financial, LLC (FL)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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 purpose.
Consumer complaint received 2022-07-03
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. (SC)

XXXX is listed as the original company when its actually wise loan Worst Delinquency on equifax states the account is 90 days past due while XXXX statesCharge Off/Other Derog. XXXX states on Equifax last activity was XX/XX/XXXX but on XXXX states last activity was XX/XX/XXXX XXXX states on equifax last activity was XX/XX/XXXX but on XXXX states XXXX last updated XX/XX/XXXX on equifax XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX also reported as foreclosure on XXXX last activity reported XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX. XXXX last updated XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX and XXXX the balance on equifax states XXXX but on XXXX and XXXX the balance is XXXX. XXXX last updated XX/XX/XXXX but XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX closed date XX/XX/XXXX on equifax but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on equifax XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XXXX last updated XX/XX/XXXX on XXXX but on XXXX XX/XX/XXXX closed date on equifax XX/XX/XXXX but XX/XX/XXXX on XXXX XXXX last activity reported on equifax XX/XX/XXXX but on XXXX XX/XX/XXXX
Consumer complaint received 2022-09-23
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. (FL)

I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : XXXX. XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Inquiries : XXXX : Inquiry date XX/XX/XXXX XXXX  XXXX NA- Inquiry date XX/XX/XXXX XXXX  RETAIL CARD SERVICE-Inquiry date XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX BANK -Inquiry date XX/XX/XXXX XXXX BUSINESS CRED-Inquiry date XX/XX/XXXX XXXX CARD-Inquiry date XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX CO XXXX CARD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- @ ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 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 2022-12-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NE)

I have a Citibank Accelerate account that I want to close. It has a {$0.00} balance and they are charging me {$4.00} a month due to insufficient funds. I had an online account where I could access the account number ( ending in XXXX ), but it disappeared. I don't have the account number since all correspondence only has the last 4 digits. 

I have called several times to close the account, but the first thing they ask is for the account number. I told them the online account disappeared and all the email correspondence only has the last 4 digits. They tell me they can't help me if I don't have the account number. 

They are charging me {$4.00} a month since I don't have a balance. I sent a letter to an office in XXXX XXXX TX as directed by some supervisor on XX/XX/XXXX to get the account number, but have heard nothing. Meanwhile I will be charged {$4.00} a month...
Consumer complaint received 2022-09-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (TX)

I AM GETTING HARASSED EVERY DAY AND NIGHT 7 DAYS A WEEK NONE STOP BUSINESS HOURS AFTER AFTER HOURS WEEKENDS AT MY JOB ON HOLIDAYS IT HAS TO STOP
Consumer complaint received 2022-09-23
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. (CA)

On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is XXXX  XXXX today on XX/XX/22 i talked to XXXX  XXXX on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.
Consumer complaint received 2022-08-22
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. (NY)

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

15 U.S.C 1681 section 602 Ay 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.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I sent 2 letters certified mail XX/XX/2022 and XX/XX/2022 asking for an investigation done on incorrect items on my credit report to all three credit bureaus. not one did anything until the 3rd certified lettered on XX/XX/2022 at which XXXX simply said everything was updated without giving any information after 3 months and Equifax said that account in charged off that are paid will remain on the credit report for 7 years, so they didn't do an investigation after 3 months. XXXX never replied.
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay 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.
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 — Personal information incorrect
Company: EQUIFAX, INC. (NV)

As I went over my credit report I seen errors with addresses, multiple variations of my name, and inquiries that needed correction and I called all 3 bureaus to see about fixing and updating my report. I found out a letter was needed so I wrote my letter a month ago and there haven't been any changes
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Hi My name is XXXX XXXX and I want to bring the attention of CFPB and the Credit Agency some Unauthorized inquiries were revealed when I just analyzed my credit report. I contacted the following creditors, and they have no documentation that I began such queries, nor have they provided any written permission, and they have failed to present any permissible reason. Although they do not have my written or verbal consent, I request that you DELETE these approved queries from my credit report as soon as possible, as there is no proof of any authorization or legal reason.According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

The following inquires I have not done business with : Creditor : Capital XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX { Date ] XX/XX/2021 Creditor XXXX XXXX XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX { Date ] XX/XX/2021 Creditor : XXXX { Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 Creditor : XXXX XXXX XXXX [ [ Date ] XX/XX/2021 My contact information is provided below, and I have included proof of my ID and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. Sincerely, XXXX XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (OH)

I applied for a credit card though citi with the sole purpose of receiving and up to date and accurate credit score. I was approved. I waited for the paperwork to come in the mail to provide me with score and relevant information they received in which this decision was made. It was not included. I downloaded the app and searched all communication- it was not available. I called and was transferred 4 times. Finally, the data analyst said they dont have access to this information nor could the provide it. I asked that it be mailed to me, assuming security wouldnt allow them to give it over the phone. She stated she could not. I was escalated to a supervisor who said if we had to disclose that information, we would have and recommended I check XXXX XXXX. 
I believe I am entitled to the information which was used in determining my eligibility for a credit card, including the score at time of application and approval.
Consumer complaint received 2022-09-23
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 am submitting this because these 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 2022-08-22
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. (DC)

In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in 5 buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, XXXX, EQUIFAX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. 

PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- 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. 

15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 

15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than 5 business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. 


I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE
Consumer complaint received 2022-09-22
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: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX my wells fargo credit card was charged with XXXX dollars from a cash advance done on line, i notice it on my statement on XX/XX/XXXX immediately call wells fargo, i did a fraud claim they told me that they didn't approve that transaction and they never gave the money to who ever was committing the transaction because it didn't seem right but they still charge my credit card with the XXXX plus fees I've been calling them since then and they put me through every department and they just tell me I have to deposit XXXX dollar to get that charge out of my credit card, I whent to the branch on XXXX XXXX and XXXX XXXX in XXXX XXXX nv and the wells fargo employee told me that they don't do those problems at the bank
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2022, I was approved for a store credit card with three furniture companies ( XXXX, XXXX, and XXXX XXXX ). All three credit cards are unwritten by Synchrony Bank. However, because I applied for three cards and approve on the same day, it trigger a fraud alert. Synchrony had required I provide : a copy of my driver 's license, utility bill, and a copy of the lease ( which I did - five times ). After receiving my documentation, they closed all three accounts and refused to reopen them. I contacted their corporate office, and no specific reason was given. It should be noted that I gave away all my furniture the day after I was approved for these credit cards because I was going to buy new furniture for a home I just purchased. Now I don't have any furniture because of this issue. Because Synchrony Bank backs these furniture companies, I can not apply for a store credit card.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

Signed up in branch with a banker regarding a business promotion offered in branch. 

Deposited {$25000.00} within 60 days of opening the account and kept the money in the account for 90 days as that is what the promotion stated. 

It is now XXXX  months since opening the account and I have yet to receive my promotional bonus. I have reached out to the banker but received no response. My account was locked accidentally by CItibank and had to go in-branch to meet with a banker for XXXX hours to get it unlocked which the banker stated my bonus was indeed attached in XXXX. However, i am still unable to access my account as of today and they are telling me I need to go in-branch again.