davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, the XXXX XXXX called my mother, father, and myself about a debt owed to a Bank of America account that was closed over 12 years ago. The account was closed due to inactivity and they claim that I owe {$490.00} but the amount went up to {$1400.00} because I didn't respond to something they mailed to my home. 

This is the message I received from the company : The message is intended for the immediate attention of " my name '' also known as " my married name '' regarding file number XXXX XXXX. My name is XXXX XXXX and this is my second attempt to contact you. It's in reference to a complaint that may be filed against you. To discuss these pending allegations, you'll need to contact the firm in control of this matter at XXXX. Will result in the department proceeding forward without your consent. Also, please be advised that this call has been submitted as proof that you have been notified of the pending actions that are against you. 

On XX/XX/XXXX, I called them back after they harassed my mother for a second time and I was informed by XXXX XXXX with the XXXX XXXX at XXXX that I was in danger of being sued by BoA for a debt that was charged off in XX/XX/XXXX. He informed me that they sent a letter which I never received and he would help me settle the debt if he had my email and would send correspondence where I would agree to pay off the {$490.00}.
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (KS)

XXXX  through XXXXXXXX XXXX card services offered me a settlement in the amount of {$890.00} to settle my account in full of the payment was posted by XX/XX/2022. I called prior to the date and on that date again to advise I was posting the payment online. I posted the payment and received confirmation of the payment. 

Recently I received notification from Jefferson Capital Group saying they were collecting on it and my balance was {$2300.00}. I disputed it saying I had settled in full and sent them the email confirmation of payment I received. They sent me a response saying I didnt not provide proof. Im not sure what more to provide. I did exactly what XXXX asked and paid the amount in full.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc. (DC)

I have a money management checking account at SoFi bank that currently has a balance of {$1100.00}. Since XX/XX/XXXX, I have been unable to access the funds in this account as a temporary restriction has been placed on my account. 

In reaching out to SoFi on XX/XX/XXXX, I was told that I would need to speak with the XXXX XXXX XXXX. Calling the phone number given to reach the XXXX XXXX XXXX provides me with a message stating : that there is no one available to take my call. But to please leave a message with my name, phone number and reference number so that a member of the team may follow up with me. Naturally, I followed these directions ; however, no follow up call or communication of any kind followed the voice message left on XX/XX/XXXX. 

On XX/XX/XXXX, I left a voicemail with the XXXX XXXX XXXX stating the I would like to close my account as I did not have access to the funds within my account nor was I being provided assistance in gaining access to these funds. This voice message went unansweredas did did numerous messages over the next few months left with SoFi requesting that my account be closed and my funds returned to me. The most recent message was left XX/XX/XXXX. This message has not been answered. 

It is extremely frustrating to have my messages ignored by SoFi..especially since I have followed their directions in terms of proper communication with them. It is also frustrating and puzzling that I can not access the funds in my account and that SoFi is actively preventing me from closing my account. Any help that can be provided in closing my SoFi account and having my funds immediately returned to me would be greatly appreciated.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

Hello, I have submitted a request multiple times with CITI bank trying to get this resolved, nobody will help me and they are forcing me to pay for a purchase I did not authorize. This should be illegal on behalf of CITI cards. 
My statement stays the same : In XXXX I was abroad in XXXX and took a cab from the airport which I was quoted and told is XXXX Brazilian real = XXXX USD. I used Citi credit card to pay for the XXXX minute cab ride. The taxi driver quickly rushed me out of the car, swiped my card through the window using his phone paying system, did NOT obtain my signature and just drove off. 20 days later when I checked my statement from Citi card I realized I was charged {$420.00} for that cab ride! I was overcharged {$410.00}!!! I immediately contacted Citi and they reversed the credit pending investigation. They ruled out in favor of the merchant citing I did not have enough proof. How could I provide proof for something that I never approved or was never given a receipt neither did I sign anything??? I was scammed abroad. 
Customer service of the merchant does not provide English support so they are of no help. When I called and emailed Citi cards 3 times explaining in detail and talking for hours on the phone with different representatives, they are not willing to investigate further or obtain proof from the merchant, they are putting this responsibility on me, the consumer, who was scammed and a victim of bad business. They refuse to reopen the claim citing I still would not have the evidence. And in the explanation letter they are pretty much threatening to report me to the consumer reporting agencies if I do not pay the required and full amount ( which I believe is illegal to do so by FTC ). 

It has been the worst experience with the bank pretty much telling me it is my responsibility to pay over {$400.00} in charges I never authorized. This must be illegal and not fair towards the consumer. 
Please help me with this claim.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft, and an ongoing issue with TransUnion and XXXX XXXX. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter 3 times now, and specifically the " XXXXXXXX XXXX XXXX '' account is still reporting. I would appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. With no answer as to why, TransUnion, XXXX and XXXX continue to report this account to my credit report. They won't provide any methods they used for verification, even after I've provided numerous documents proving this case of identity theft. 

Considering the above circumstances, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , the XXXX  credit reporting agency , and XXXX XXXX ( XXXX XXXX  ), block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXX XXXX XXXXXXXX Acct # : XXXX Open Date : XX/XX/XXXX I dont recognize this account. I did not authorize it and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion and XXXX, as proof from the XXXX Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Consumer complaint received 2019-06-03
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: I.C. System, Inc. (DE)

Collection Company I C systems in XX/XX/2019 put on my XXXX   credit report that I owed them through XXXX XXXX XXXX XXXX dollars I asked XXXX to dispute this frivolous item on my report and the next day XXXX said it was validated less than 24 hours later I than disputed it again asking for the verification of this information that validated this debt and I received nothing but that less than 24 hours again it was validated. This is unfair and prejudice credit reporting
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

A business requested a copy of my Experian credit report on XX/XX/XXXX, I do not do business with the company. The company did not have a permissible purpose to pull my credit report. 

Identifying information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NH)

I had a billing dispute with this merchant XXXX from XXXX XX/XX/year> for merchandise not received. 

Dispute # XXXX Reason for dispute - Unrecognized charge ( this is what citi filed it for when i clearly stated its a BILLING dispute and not a FRAUD ) I had called citi to file a dispute and the ridiculous rep filed a dispute for fraud when it was supposed to be a billing dispute. Now, citi comes back to me and says customer is responsible for the charge and provided me docs from the merchant which doesn't state anything about proof of delivery but just about who initiated the transaction so clearly citi went to the merchant saying its fraud and the merchant denied. I tried to reopen the case but I cant and citi is giving me hard time. I am done dealing with their ridiculous customer service. I was told by citi that you will receive a letter and the letter i received clearly states that if you dont agree with this decision and want to file a fraud, sign below which makes no sense at all I never received my goods from this merchant and there isn't any proof of delivery either, no picture nothing so I want to get my refund from the merchant
Consumer complaint received 2020-08-25
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. (GA)

I have an account XXXX XXXX. I have challenged this account and gave them evidence that this account over charged and XXXX   motivated when opening this account. The seven years have arrived and this account is over the staute of limitation as I live in Georgia ( 6 years ).
Consumer complaint received 2024-08-09
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 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 lateforanypurpose
Consumer complaint received 2024-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (LA)

Dear CFPB, I am writing to inform you of XXXX lawsuits that have been filed against Specialized Loan Servicing ( SLS ) : Suit No. XXXX filed in the United States District Court for the Middle District of Louisiana XXXX 
Suit No. XXXX filed in the XXXX Judicial District Court for XXXX XXXX XXXX XXXX XXXX XXXX XXXX State of Louisiana. 
These lawsuits pertain to multiple violations of state and/or federal regulatory laws by XXXX. Specifically, XXXX has : Illegally changed my mailing address without my knowledge, resulting in my failure to receive pertinent correspondence regarding my account. 
Illegally added an address that is not mine to my loan account and credit report, further preventing me from receiving important correspondence. 
I have alerted various agencies to XXXX 's servicing practices, including the Federal Trade Commission 's Division of Credit Practices at XXXX XXXX XXXX XXXX, Washington XXXX XXXX XXXX, Phone : ( XXXX ) XXXX. 

As a result of these actions by XXXX, any delinquency notices should be considered null and void. I have not received the proper notifications required by law, and XXXX has violated 12 CFR 1024.30-1024.41 and HUD regulations .
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP (NJ)

Today, XX/XX/2019, yet again I asked when the large check deposited will clear! I asked on XX/XX/2019 and was told by XXXX to call on Monday, XX/XX/2019! Today, XX/XX/2019 again I was told by XXXX she does not know but will find out! She will speak to her supervisor! 

What kind of banking is this? I have an absolute right to know when any check clears! 

Very, very poor banking!
Consumer complaint received 2016-05-23
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: EZCORP, INC. (NV)

I have had to pay around XXXX or more in interest to EZ pawn on my loans. I took out a XXXX loan that costs me XXXX a month on the extension and a XXXX loan that cost me XXXX per month on the extension on top of the XXXX interest no a 3 month loan. I have had to repawn my stuff over and over and am loosing all of my jewelry. I feel that I am being overcharged.
Consumer complaint received 2019-08-07
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: AMERICAN EXPRESS COMPANY (FL)

I applied/opened account in XX/XX/2019 with American Express. I opened the account with the agreement that I spend {$2000.00} in the first three months of having the credit card, and I would receive XXXX XXXX points after meeting the {$2000.00} spending requirement. I met the spending criteria, and American Express is stating there is nothing on my account saying I get the promotion. I would have never applied for the card had the promotional offer not been offered. I feel a bait and switch was done, and I kept my end of the agreement, and American Express is conveniently not awarding agreed upon points.
Consumer complaint received 2019-06-03
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: LEXISNEXIS (AL)

From XX/XX/2019 I been disputing a bankruptcy offf my report belonging to someone else with the proper paper work XXXX will not remove this at all I won't them to deleted this man bankruptcy off my file they have deleted his name and kept the bankruptcy I included all supporting documentation from this in close is new information from Lexisnexis showing they didn't get any respond back from XXXX  when they tried to investigate with them on the matter of investigation with them
Consumer complaint received 2019-06-03
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. (OR)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX Original Creditor : ) XXXX
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have tried multiple times to have Equifax investigate an account that is not reporting correctly. I have asked for verification of my account. Sending me an ANSWER in BOLD does not prove VERIFICATION! You last stated that historical data was deleted and therefore could have not been verified. Delete immediately! Attached is the original letter stating why, and the report you sent me showing me exactly how this was verified, which further proves how you did not investigate this properly.
Consumer complaint received 2019-06-20
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: Experian Information Solutions Inc. (CA)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus have not helped me with removing them. I reached out to all 3 of the credit bureaus to have these items blocked/removed but they have only received my request to block these said fraud accounts, through the 605 ( b ) laws, as i've sent in a cover letter, ftc report, list of fraud item, and proof of identity. I've sent the necessary documents over and over. But these bureaus continues to tell me over the phone that they are still working on their investigation and its been several months since they've received notice. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to take to remove the identified identity theft items off of a consumers report, that is LAW! 605 ( b ) FCRA, so why are these items still on my report? Because these bureaus are willfully and knowingly being negligent of identity fraud. This has to stop! I AM PREPARED TO SUE.
Consumer complaint received 2019-12-10
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. (FL)

The reason Im writing this letter is to dispute my most recent late payment. This is my XXXX account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with XXXX   many years ago and I had a negative experience. I said I would never bank with XXXX again. However, my XXXX  account as switched from XXXX XXXX to XXXX. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking XXXX to do the right thing and update my credit report to show a 100 % paid on time. 


Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because XXXX switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be oversights. But Ive worked very hard on my credit and for my first experience with XXXX  to be a negative experience is frustrating.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The 30- and 60-day delinquency reflected on our credit reports from XXXX XXXX XXXX for XXXX and XX/XX/2019 are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by XXXX XXXX XXXX. In XX/XX/XXXX, the account information on XXXX website reflected our regular monthly payment of {$610.00} due on XX/XX/2019. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from XXXX. On XX/XX/XXXX, we spoke with a representative at XXXX and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by XXXX reflected our regular monthly payment of {$610.00} due on XX/XX/2019. A few days later, we received notification of a 60 day late on our credit reports from XXXX. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. XXXX has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with XXXX. The account was paid per the information furnished by both XXXX online account and representative.