davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (FL)

To whom this may Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

So I have notice a Number on hard inquires that are completely fraudulent and I have no knowledge of these hard inquires Hard Inquires Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (WA)

I use a Barclay Red Aviator Card for business travel. I recently made a XXXX $ on XXXX payment that was processed and paid. Barclays after the fact place an additional hold on that payment to not reflect until XXXX. Upon calling I am not told why the additional hood was placed but simply told its out of their control. I dont have these issues with my other cards when I pay a bill. I found out while trying to use card to check in for week. It was declined who h had me confused. I paid with other card. Not only do I now need to wait till XXXX $ hold Barclay placed on my payment but I somehow also have to wait for a payment they declined XXXX XXXX XXXX to get dropped from authorized hold the placed. Their customer service stated she couldnt do anything and I could try calling next day. Not good business practice either way. But I can imagine it benefits them to hold money till XXXX and I want to know why the hood was placed and if I am now expecting this to happen again.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NE)

We purchased our home in XX/XX/XXXX and have our mortgage with Citizens bank. We have been trying to get our PMI removed since the beginning because we have always had more than 20 % equity in the home, but the original appraisal on the house was incorrect and the appraiser refused to recalculate the value ( he missed an entire full bathroom in our home, which would have added an extra $ XXXX in value ). 

We applied first in XX/XX/XXXX to have our PMI removed and requested a broker appraisal. Citizens denied this initial request because they stated that we must have our mortgage for 2 years before we can request removal of PMI. So we were told to apply for removal again in XXXX, and I was told by customer service that they would accept an updated appraisal of value ( I informed them we would be getting a HELOC with another bank and they would be doing an appraisal ). 

We got a HELOC with a different bank XXXX XXXX Bank ) and they ordered an independent appraisal. I received the final appraisal report on XX/XX/XXXX and it states that our home is valued at {$290000.00}. Our current mortgage balance is {$170000.00}, meaning we have {$120000.00} in equity, or 58.38 % LTV ( 42 % equity ). Only 80 % LTV ( 20 % equity ) is required to remove PMI on our mortgage. 

However, Citizens continues to refuse to remove my PMI even after sending them the appraisal report and formal letter requesting removal which they received XX/XX/XXXX. 

I spoke with Citizens on the phone on XXXX XXXX and they told me they would not accept the independent appraisal ( which was not ordered by me, it was ordered by my other bank ). 

They are requesting me to pay an additional {$250.00} to get a BPO - Broker Price Opinion of Value ( or {$500.00} for another full appraisal ) in order to get my PMI removed. The BPO would not be an actual appraisal, they would not see all the improvements done inside the home and they would not be entering my home at all. They go off public records such as the tax assessor site which has out-of-date and incorrect information that will reduce the home value. Furthermore, there is absolutely no reason they should not accept the appraisal I have already completed and paid {$620.00} for. 

It does not make any sense for me to pay an additional {$250.00} to get an inaccurate value of my home just to remove the {$30.00} PMI payment each month. I would actually be spending MORE money to remove the PMI than if I left it. But they should not be getting this money in the first place! 

This bank is extremely unethical and possibly even be illegal for them to make me to continue to pay PMI each month when I should never have had to pay it in the first place.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I deposited a lawsuit check XXXX dollars to my navy federal account on XX/XX/2023 they told me that check was bad when it wasn't my lawyer l XXXX XXXX from XXXXXXXX XXXX called and told them that the check was cashed on XX/XX/2023 and the bank restricted my account
Consumer complaint received 2021-06-27
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: Experian Information Solutions Inc. (TX)

I have been disputing this since XX/XX/2021 and XX/XX/2021 is the last letter I wrote and I still have not received any letters back from any of the bureaus. It has been well over 60 days with nothing. So they need to remove from my credit file per the FCRA Attached is the last letters from XX/XX/2021 XXXX
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing this since XX/XX/2021 and XX/XX/2021 is the last letter I wrote and I still have not received any letters back from any of the bureaus. It has been well over 60 days with nothing. So they need to remove from my credit file per the FCRA Attached is the last letters from XX/XX/2021 XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I filed a dispute with equifax to remove a bankruptcy. the dispute started XX/XX/XXXX & was completed XX/XX/XXXX, another dispute XX/XX/XXXXXXXX  completed XX/XX/XXXX, all stating that the information is accurate. They stated they received their information through a third party, XXXX. I also have a letter from equifax in writing stating they get their information from XXXX. XXXX has no public record of a bankruptcy, so either they are lying about the verification or it has to be an error. 
I sent equifax a letter from XXXX XXXX stating they have no record of a bankruptcy, but it seems like they are not doing their job. 
I will be uploading that paperwork also. 
It seems that i'm getting the runaround. Are they actually reviewing my case. I feel if they reviewed my case they would see that the third party they get their information from XXXX has no public record of a bankruptcy nor does XXXX, there for those are grounds for removal. 
The letter I received from XXXX is dated XX/XX/XXXX Stating they removed it from their files because it was an error.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (LA)

On XX/XX/2023 Republic Finance contacted my mother at work in Vermont, and told her I had a debt with their company. The representative gave her the exact amount of my loan and collected a payment for the loan as well. He told her he could help me lower my notes to get on track with my loan. I never gave the company permission to contact anyone with the details for this loan.She is also not listed as debtor on my loan. I am aware that this is not legal practice. I also asked the company to work with me on lowering the loan payments so I could pay them before the loan was defaulted to the current extent. I was told that I had to pay a full payment before they were willing to do so. I could not make said payment. My mother called me to let me know she was told about the loan, after she got off from work at XXXX central time, and that she paid the amount requested. They collected a payment via phone at XXXX XXXX, theres documentation to confirm the payment and that this incident took place. The money was paid from my mothers bank account. They were not authorized to collect any money from anyone other than myself. According to federal law they only have the right to ask for ways to contact me to collect said debt.
Consumer complaint received 2021-08-13
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. (OK)

Last month i sent out some documents to TransUnion, XXXX and XXXX  credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation for the CARES ACT forgiveness to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. When i submitted a CFPB to the agencies they are ignoring me and saying they don't recognize me as a consumer. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act. I called the furnisher of the XXXX XXXX XXXX  in and they refused to validate and remove the other late payment. I explained to them that i didn't even know i had a credit card with XXXX due to misleading advertising when i was in the store. I thought i was signing up for a members reward card and they gave me a credit card instead. Now The account is open and in good standing at the moment but they will not honor the CARES ACT here and remove the 30 days late payment. Please help this is causing me stress and severely hurting my credit.
Consumer complaint received 2023-02-19
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NJ)

company is reporting inaccurate information. They said all information was reported accurate on the XXXX. the account is paid for and closed and is still reporting negative.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MO)

I was called from a ( XXXX ) XXXX my phone labled the call as " Scam Likely '' so I did not answer. I was left with the following message in my voicemail. 

" hi this message is solely intended for -- - my name is XXXX and I am contacting you today in regard of a legal matter that has has been forwarded to my office and has registered against you. To discuss this pending allegation and to be further assisted you will need to contact XXXX XXXX XXXX XXXX XXXX directly at XXXX & XXXX XXXX and the reference file number is XXXX if you fail to fail to correspond by the end of one business day you will be served to either your home or your place of employment for small claims matter. this call has been logged and submitted as proof that you have been notified of this pending allegation. Thank you and have a nice day '' I called the number, and I was getting an attitude as if I never thought about paying back the debt, and then given information I insisted to be sent an email to review since I was currently at work. I was given a number ( XXXX ) XXXX to call her back if there were any questions. 

The email sent me a link from a XXXX XXXX to view a document online, it was a form for me to sign and fill out how I was going to pay my debt on the remaining balance that I owe that was originally JCPenny Credit card, either in one payment by XX/XX/XXXX or in full. I noticed that the form had XXXX XXXX XXXX, there was a line of text that made me question the legitimacy of this as it refered to their company as XXXX XXXX  XXXX. When asked about it I was told there was a merger a couple days ago and that signing should be fine. I asked if she could make sure because I didnt like the idea of signing a document saying I have read it, if there is mention of a company that does not exist anymore. I then brought to her attention that the website they have was made on square space, that I was having a hard time believing that they were legitimate, and to which she responded that the legitimacy will be apparent when I am taken to court. and the call was ended.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CT)

For the last four months, Comenity Capital Bank has issued statements for a CLOSED account. This account has been closed since XX/XX/2021 which is nearly two years ago. Comenity Capital Bank issued a written acknowledgement of the closure on XXXX XXXX, 2021. The closure was the result of numerous ( and apparently ongoing ) errors made by Comenity Capital Bank. 

It is not clear why Comenity Capital Bank is issuing statements for a closed account. It is even more baffling that they started issuing the statements on the closed, nearly two years after the fact. Presumably it is just another error made by Comenity Capital Bank which seems to be a common practice for them. 

This account does not have a balance. The final payment was issued on XXXX XXXX, 2021. Please note that the statements that Comenity Capital Bank has issued for the last four months confirm the zero balance. 

Comenity Capital Bank is the bank that issues credit cards in conjunction with or on behalf of BJ 's Wholesaler. 

Comenity Capital Bank and BJs Wholesalers were both contacted, in writing. Comenity Capital Bank has ignored all correspondence and continues to send statements for a closed account. 

This account is closed, it has been closed, and it will not be reopened.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

In XXXX XXXX  I applied for a deed in lieu of foreclosure with Wells Fargo on my home loan. They approved it and gave us a date for move out. We cleaned property and moved out. They then foreclosed instead declaring the property abandoned. I consulted an attorney who wrote a letter but then he wouldn't take the case any further after their response. I read about you settling a case with them over these same issues. I feel I am owed something for them ruining my perfect credit and basically lying and being devious to get me out of my home which I had tons of equity in. The lawyer was XXXX XXXX. They claimed there was a lien on the property and that's why they couldn't do the deed in lieu. But when I bought the property it didn't show up on the title search. Basically Wells Fargo fraudulently took my property in foreclosure. I have copies of title insurance form and lawyers letters. Please help.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2022-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

First issue : Following an advertisement I saw online for a new bank account bonus at Citibank, I opened an account on XX/XX/2022, signed the new client documents with docusign, and deposited {$50000.00} in the account writhing XXXX days of opening the account ( as required by the offer ). XXXX  days after that XXXX day post account opening, I earned the {$700.00} bonus. The agreement said I would be paid the bonus within XXXX days after I earned the bonus. I submitted a XXXX as required by the offer to receive the bonus. XXXX  days was around XX/XX/XXXX. It is XX/XX/XXXX and I still have not received the bonus. I have spoken to Citi and used their chat function many times in the last few weeks. The customer service reps have provided conflicting information and also information that contradicts the paperwork they sent me and the advertising disclosures ( which I have ). Most recently, a rep told me on the phone on XX/XX/XXXX that I would be paid the full {$700.00} bonus on the XXXX. I still havent received the bonus. 

Second issue : A previous rep on their chat system said I had not earned the {$700.00} because my account went below {$50000.00} for a month. This is false. I had moved {$10.00} from the savings account to the checking account so it would not be closed. The term of the deal said the amount on deposite is the aggregate if both accounts. However, I noticed that Citi has been deducting federal tax withholding from the savings account every month. They should not be doing that. I provided my SSN when I opened the account so they should give me a XXXX after they pay the bonus but there is no justification for them witholding. Additionally, they started withholding BEFORE they paid any interest into the account and they apply the witholding before they debit the monthly interest on the account. If theres no interest income, how can their be tax withheld? And wouldnt the interest income always exceed the withholding such that the balance in the account would never go below the initial deposit? When I asked a Citi employee about it, he could not provide a reason why they were witholding taxes. Seems like a ploy to disqualify people from the bonus they earned. 

Third issue : just an FYI to anybody else who does a CITI offer. If you ask customer service reps whether you can withdraw your funds after youve earned the bonus, some of them will say you have to leave it with Citi until the bonus is paid ( clearly wrong and not required by the agreement but nice for CITI to hold your money XXXX ). Others will say its totally fine to withdraw the funds after youve earned the bonus.