davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
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: CITIZENS FINANCIAL GROUP, INC. (SC)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 
My SSN - XXXX CITIZENS ONE AUTO FINANCE Inquiry XXXX  XXXX, XXXX
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (IL)

My mother had a an account with chase bank and had open me up a student account. She was the primary account holder they then closed her account due to inactivity last year and they had left my account open in which Im confused about because I was a minor. Chase had then charged my account on XX/XX/XXXX of 2023 for {$1500.00} and put me way deep into the negatives on my account for a check my mother had cashed last year in XXXX in the XXXX XXXX app that check had then was XXXX to the XXXXXXXX XXXX  XXXX XXXX and cashed as well in which Im confused about .Im making the complaint because they a charging MY account for something that has nothing to do with me and charging my account a year later and for keeping my account open while I was a minor at the time while they had closed my mothers account. Also for not being able to do their job properly because why a whole year later are they just now realizing something this serious
Consumer complaint received 2021-09-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC (TX)

I am currently working on a Refinance started in XXXX. It is now XXXX and we have submitted and resubmitted several requests for a Subordination to Novad who is handlilng the servicing for the FHA 2nd. They have confirmed that they have escalated and on several occassions given us a timeline for response and then nothing. This is going on 3 months and is obstructing my ability to obtain financing and improve my financial situation. 

Title as well as the New Lender has reached out to XXXX and been directed that Novad is the one that will handle and they have confirmed that they received the latest XXXX package XX/XX/2021 and would be sending the Subordination Out that week in return. It has now been another 2 weeks and still nothing. Title calls and emails ever day and the same response, 'we 're working on it " I am a veteran and this is exteremly disappointing that a company can impede and obstruct my ability to refinance my mortgage in TX for this long. I am hoping that the CFPB can help find me resolution.
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (AZ)

I started a refinance for my investment property on XX/XX/2020. The company is Caliber Home Loans in XXXX, Texas. 
They told me the refinance would take XXXX days. 
It has now been almost 5 months!! 
They keep transferring the file to different processors, changing the loan estimate, changing appraisal costs. They request documents, I diligently send them and then they don't file them. Then they change loan processors again and no one has any idea what is happening with the file! 
Then they won't contact me back when I call for an update. 
They are financially holding me XXXX! 
Unwilling to close the refinance loan and unwilling to refund me the costs for the XXXX XXXX and appraisal and cancel the refi. 

Their behavior is unprofessional, unethical. 

DO NOT USE THIS COMPANY FOR HOME FINANCING!!
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

See previous description. On my Citi double cash card, I called to ask for a refund on fees charged of {$30.00} a few times and they agreed to reverse those charges. I was charged those fees because in the app it only lets you pay your bill from your " default bank account '' - there is no dropdown to select a non-default bank account. I had closed my default bank account and did not realize that it was trying to get payments from my closed " default '' bank account until all of the charges posted. I can't get into see my activity, such as a recent {$1000.00} payment, and no one knows on their end why it closed. Was it too much charged at once, was it because I asked for a refund of the charges? A couple days prior to the account abruptly closing ( and me finding out for myself it had closed by getting declined a couple times at restaurants and me looking into it onlin ), I charged {$5000.00} for my attorney. Was it because of this? I'm not sure and now I can't see payments credited or any activity. It still only shows the old balance and no one can answer my questions. This is very frustrating and some type of activity needs to take place so that this also doesn't happen to others. Again, I wasn't close to my credit limit and I have had this card for 10+ years with nothing like this happening previously. I have a XXXX credit score per their site on a scale of XXXX. If you could look into this, I would greatly appreciate it.
Consumer complaint received 2024-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (NC)

Due to a class action lawsuit with the original creditor XXXX this was deleted from my credit report with a promise to give the car back. Months it was sold to a debt collector NCB management and returned on my credit report.
Consumer complaint received 2023-04-05
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. (CA)

During the Pandemic I was dealing with chronic health conditions and fell ill with mild suspicious COVID symptoms. which lead me to go visit my doctor, I was involved in a rear end collision which put me in more physical pain. therapy and need for increased medication /treatments and supplements, I value and respect my credit and reached out to XXXXXXXX  about the XX/XX/2022 payment which was {$140.00} due, I let them know what was happening and made arrangements/ promise to pay half, with the remaining to be paid by the XXXX of the month [ two days after the statement date ] they reported the entire payment 30 days late, I had no other payment issues with them and paid double payments and entire balance $ XXXXas soon as I got back on, my financial feet. I have been a good customer with this credit card account and really feel it unfair and unnecessary to have my credit score affected by the late payment they placed on my report. I asked for understanding and consideration because of the circumstances I meantioned above. I would appreciate very much to have this removed and to keep good standing with XXXX
Consumer complaint received 2022-12-09
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 XXXX Account # XXXX, has violated my rights. 
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 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently obtained my credit report and have realized that I have these inquiries listed below that I did not give authorization to. Also, the following addresses I have never lived that are also reported and a company I have never worked for are listed below as well. I need them to be removed immediately. 

Addresses to be removed : XXXX XXXXXXXX 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 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 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 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 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 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 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 2023-02-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-04-05
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

Third party company fails to furnish any and all information about debt owed in the amount of {$5100.00}. Landlord took the deal from my lawyer and I was awarded to move with forfeit of deposit! I had no knowledge of this debt or any paperwork stating I owe this debt! 

" In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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-2 ( 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. ''
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX, Received a text notification about a declined transaction assuming it was for my " debit card '' as i am not from area and its common to receive these notifications, upon further investigation about 1 minute after i called bank to inform them i was not using my " credit card '' anywhere and informed them i did not even have possession of the card. 

They have opened a claim immediately and informed me card would be closed and new card will be issued. I have to wait till transaction posted to receive credit back to my account while they conduct there investigation. 

XX/XX/2023, received notification card was still being used, a transaction was successfully charged on this date using the old card they claimed to have cancelled. 

XX/XX/XXXX XXXX & XXXX, Bank send me letter saying I'm responsible for charges due to merchant providing a receipt with signature. " Fraud Charges placed back on to my credit card incurring fees and interest '', i requested copy of that information and they have not provided me with it so i can provide proof my signature was not on any documentation. Informed them my passport and drivers license both have my real signature and i will provide it to prove my innocence regarding the claim. 

XX/XX/2023, @ XXXX i call and ask for supervisor and ask that this be elevated for further clarifications as something is not right and my claim isn't being handled properly. They inform me claim will be reopened. 

XXXX XXXX @ XXXX called in to verify everything is clear and again information is not being made clear, they informed me both claims were closed and that they will reopen them to reinvestigate. 

I also informed them that i was still getting notifications about transactions being declined at numerous gas stations aswell as XXXX even after the card was supposedly closed. 


There is alot of mis information being passed around causing me financial burden and false information being provided is hindering the proper resolution of my claim. Its near impossible for a claim to be resolved in under 72 hours, all whilst the fraud is still taking place even after they claim card was deactivated on XX/XX/XXXX the very same time as original fraud transaction Claim # XXXX < First claim Claim # XXXX <Second claim I am not responsible for these charges and i request further help to come to a resolution for the very poor communication and investigative skills provided by bank of america.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2023, USAA withdrew {$2500.00} from my checking account for a teller 's check that I requested. It is roughly two weeks later and they literally have no idea where the check is other than they supposedly mailed it via USPS. They did so without any form of basic tracking, and have said that if the check is lost or stolen that they have to wait 90 days to cancel the check and return the funds to my account. 

I am honestly appalled that a bank that is supposed to be serving military families thinks it is remotely appropriate to handle thousands of dollars of other people 's funds so recklessly. 

They never let me know that the funds would be sent without any form of tracking and that I was assuming the risk that the funds could go missing in the mail without any way to rectify it before 90 days. 

The fact that someone in a position of leadership signed off on these practices shows how clueless they are in terms of the needs of military families. A new enlistee could be requesting a check to purchase a new vehicle, only for the funds to go missing and USAA saying " that's too bad. Contact us in 90 days. '' While I was personally never advised that the funds would be sent without tracking, USAA should not even let anyone consent to this form of funds transfer because they should be looking out for their customers. 

Even if I receive the check in the mail today or sometime in the next few days the entire situation is completely unacceptable. I am submitting this complaint so it does not happen to anyone else.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 I wrote the following to Ms. XXXX XXXX of Bank of America : My son and I visited you on Saturday, XX/XX/XXXX to close all BofA accounts. We were able to close Core Checking ( XXXX ) and Reward Savings ( XXXX ) but not XXXX because the various fraud departments were all closed on Saturday. As you promised, we were expecting that by Saturday, XX/XX/XXXX account XXXX would be closed per our request. Strangely, we have been trying to close all XXXX transactions, including the account since XX/XX/XXXX when we first spoke to XXXX XXXX, later to XXXX XXXX and then to numerous personnel at debit fraud, online fraud and check fraud. Could you please explain to me why this account ( XXXX ) is not closed yet. 

The reply from Ms. XXXX, almost minutes after I sent the email was, " I did call you last week and left you a message earlier today. Please call me or stop by at your earliest convenience so that we can discuss. ''
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

I was phoned by someone claiming to represent the XXXX XXXX XXXX XXXX of the U.S. Treasury Department concerning transfers I have made through Western Union. What's suspicious is when I sent a message to XXXX officially enquiring as to the person, their phone number, and the case number they referenced, they sent me the following. 

" Good day, " XXXX  does not send unsolicited requests and does not seek personal or financial information from members of the public. Those who believe that they have been a victim of a financial scam or fraud should report this information to local, state, or federal law enforcement authorities. XXXX is not an agency that can investigate such matters or impose criminal penalties. For additional information, please visit the Consumer Financial Protection Bureau website, which contains resources for detecting, preventing, and reporting fraud and scams. '' Upon calling the person back and asking for his government email, he hastily excused himself saying " Let me call you back. I was just about to call you. '' This person knew my phone number, current addresses, and the name of the transfer recipient through Western Union. Note, the recipient 's full legal name has an extra name he did not mention. He used the name Western Union uses, making me think he illegally obtained data from Western Union.

He specifically cautioned me against people calling from Western Union as there was a lot of such fraud. If he himself was a fraud, it could be to thwart investigation into his illegal scam.