davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

I am an attorney first licensed to practice law in California on XX/XX/XXXX. 

On XX/XX/XXXX, I opened multiple bank accounts with Citibank, including a personal checking account ( Citigold which is now CitiPriority ), a money market account, a business checking account ( CitiBusiness ), and an attorney trust account ( CE CONTROL IOLTA ). All accounts were opened with the assistance of Citibank account officer XXXX XXXX at my local Citibank branch : Citibank, XXXX XXXX XXXX, XXXX XXXX, California XXXX. 

Before and at the time I opened my accounts, I was promised ( a ) by Citibank account officer XXXX XXXX and ( b ) by the Citibank web page titled " Business Solutions for Legal Professionals '' that I would receive " No monthly maintenance fees on CitiEscrow or standalone IXXXX  ... Waived monthly service fee on a checking account ... No monthly maintenance fee on business checking account ''. The " Business Solutions for Legal Professionals '' web page can be accessed on Citibank 's web site by visiting this online address : XXXX XXXX XXXX XXXX. This web page still exists and still makes the same no-fee representations and promises it made in XXXX. 

Citibank waived fees for my accounts ' first month. However, thereafter, Citibank has charged me {$30.00} per month as a monthly service fee on the checking account, despite their oral and written promises not to do so. 

I have had a checking account with Citibank for the past 61 months. I have been charged a monthly service fee of {$30.00} per month for the past 60 months ( because the fee was not charged the first month ). {$30.00} per month x 60 months = {$1800.00}. 

Citibank must be required to ( a ) honor its repeated promises to me, representations to me, and continuous advertising of " Waived monthly service fee on a checking account '' by repaying me the {$1800.00} it has taken from me and ( b ) never charge me another monthly service fee on my checking account ever again. Citibank 's dishonesty, false advertising, and unfair business practices must be corrected. 

NOTE : If necessary, I can provide all bank statements since account opening that reflect the monthly service fees.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Today I was informed that the credit line on my second Capital One card was lowered from {$20000.00} to {$10000.00}. A week ago I was informed that the credit line on my other Capital One card was reduced from {$15000.00} to {$5000.00}. I called Capital One after the first notification and was told that they reduced my credit line because I didn't use all of it over the last 2 years and there was nothing they could do about it. I have never been late on a payment and have always payed the full amount each month. My credit score has been in the XXXX 's for years. This will adversely effect my credit score.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (OK)

This should go to XXXX, experian, XXXX, and all third party credit reporting agencys.! 5u.s code consumer laws and protection. These agencys failed to protect me by a couple of ways, the first receiving my info from a creditor and posting it at face value without an investigation isnt protecting me. And selling my info without my consent to third party persons and they reporting it to there list of buyers without my consent is a federal violation of my rights and my protection 15u.s code 6802 and these violations is on every account held by XXXX, XXXX, experian they hae a responsibility to protect our info but it must be done by the law and allowing these violations to continue is causing & costing me thousands of dollar every year. Here are two examples XXXXXXXX XXXX card And XXXX card both know the statue has ran out, XXXX told me straight out they would never remove my account i found that to be threatening and harassment XXXX is doing under cover, just these to alone would change my situation in a poisitive way they have failed to protect my privacy and rights but the three havent removed it, i talked to experian today been given the run arrounds. XXXXXXXX XXXX  ACCT # XXXX XXXXXXXX XXXX ACCT # XXXX and when i contacted experian they showed no concern about what they are doing purposely destroying my life.Theres a {$2500.00} fine but no less then {$1000.00} for each violation to be paid to the consumer upon there requesting it as i am now and will send a invoice Not one of my account was reported properly and has gone undetected for years. name all three in this report because they all will receive the same msg one more thing old address that companys are sending are still reporting on as if they were mine and i live there some of the address on my report i dont remember having. I have lived at this address for almost 12yrs and it should be the only one remaining.
Consumer complaint received 2019-03-21
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 (DE)

Applied online with XXXX XXXX and Wells Fargo in order to do a balance transfer to my XXXX XXXX XXXX card. I incurred a large debt and I needed $ XXXX interest-free for 12-18 months and wanted it by XX/XX/19. XXXX XXXX came through and paid my XXXX XXXX XXXX. Wells Fargo on the other hand sent me a card in the mail with a {$7000.00} limit. This was not what I applied for. They sent {$6500.00} to XXXX XXXX XXXX which caused an overpayment since XXXX XXXX already paid off the card. I called XXXX and authorized them to return the money, which they promptly did. The check was deposited by Wells Fargo but never credited my account. Wells Fargo claims they dont the money and I have a bill from them for payment due on {$6500.00} which I dont have. Now I'm incurring late fees and possible negative credit reports.
Consumer complaint received 2022-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

In XX/XX/XXXX I called Carrington Mortgage to inquire about my home loan modification. 
I was told it was still in processing. I followed up several times until XX/XX/XXXX when XXXX advised me the paperwork was lost and now invalid due to missing date. They said I would have to go back to XXXX and pay up to date to keep my loan modification. After I filed complaints with the XXXX and XXXX XXXX they sent revised docs in XXXX with an XX/XX/XXXX due date for the new modified monthly payments. I received a new set of documents in XX/XX/XXXX that was signed, notarized and submitted to Carrington Mortgage in XX/XX/XXXX. I received final process documents dated XX/XX/XXXX with my first mortgage due XX/XX/XXXX. As of XX/XX/XXXX, the monthly mortgage amount changed due to their XXXX failure to calculate the escrow correctly therefore it didnt pass quality control so as of XX/XX/XXXX XXXX at XXXX would have new documents sent to me with the correct monthly mortgage payments for signature and notarization. XXXX arranged for a notary to meet at my home. The documents were notarized signed and return to Carrington Mortgage. On XX/XX/XXXX, Carrington Mortgage notified me and my attorney that the paperwork failed quality control due to notary 's county didn't match the county of residence. On XX/XX/XXXX CM arranged another appointment for me to meet with a notary on XX/XX/XXXX. I didn't receive word that the docs passed quality control until XX/XX/XXXX when I reached to XXXX XXXX via email and he confirmed the docs had passed quality control and in the process of having the modification finalized. I emailed XXXX XX/XX/XXXX XXXX XXXX and XX/XX/XXXX because the mortgage due date remained XX/XX/XXXX and was not adjusted based on the revised docs with a correct notarization and final docs not being received until after XX/XX/XXXX. He has never responded to my email. I noticed the forbearance was extended until XX/XX/XXXX which also prompted my emails. I called XXXX today and was advised that the paperwork couldn't be amended because it has already been filed with the county and I would have to pay XXXX and XXXX or my loan modification will be cancelled. I am prepared to pay XXXX since the final docs pass quality control, filed with the county and I received the final doc but not XXXX with invalid docs.
Consumer complaint received 2022-07-26
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 recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate, when the balance on the account is wrong but your company continuously verifies it as accurate.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TX)

I received an offer in the mail from US Bank regarding a sign up bonus for a business checking account in connection with a credit card that I already had with them. I signed up for the business checking account for my sole proprietorship on XX/XX/22. The bonus terms stated that {$500.00} of rewards points would be deposited into my credit card account after completing a few requirements for the checking account, including depositing {$5000.00} in new money into the account within 30 days of opening the account. I deposited {$5000.00} into the account from XXXX and completed all requirements for the bonus that month as well. US Bank is refusing to pay out the bonus even though I satisfied all of the requirements as they are claiming that I did not deposit {$5000.00} into the account. I have attached screenshots of the offer terms along with my account activity documenting the $ XXXX in new funds.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (GA)

Late in the evening of XX/XX/2022 ( probably technically in the early hours of the following day ), I submitted an application to Goldman Sachs Bank USA for XXXX XXXX card. During the process, the online system asked me to upload a copy of the front and back of my driver 's license ( no larger than XXXX each ). I did so. The system showed both sides uploaded and then confirmed a successful submission of the application. 

Between XXXX XXXX on XX/XX/2022, I received a call with caller ID number XXXX. I missed that call because I was in a meeting. The caller did not leave a voice message. Later the same evening, I looked up the number online and discovered it belonged to Goldman Sachs Bank USA. 

On XX/XX/2022, at XXXX XXXX, I received an email from XXXX by Goldman Sachs telling me that a copy of my ID was needed for verification. Mind you, ID was requested and supplied during the initial application process. This email said the ID needed to be uploaded using the link in the email by XX/XX/2022. 

On XX/XX/2022, at XXXX XXXX precisely XXXX minutes later, and WAY before XX/XX/2022, I received an email from XXXX by Goldman Sachs saying the application was not approved because the bank was unable to verify my identification information. 

This is clearly nonsense. 

I called Goldman Sachs Bank USA at the number provided in the email, XXXX, to hopefully solve the problem. Clearly something was not right. I was told that the application had been closed and nothing could be done other than to submit another application. 

The problem is this. I had a similar experience with Goldman Sachs Bank USA applying for the same card about a month prior. The bank apparently can not adhere to deadlines it itself has set. Consumers should beware. This multibillion dollar firm apparently does not have the appropriate infrastructure in place to support basic business processes. Regulators should be asking whether a bank clearly demonstrating such basic incompetence should even be doing business in the market.
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OK)

My ballet school business ( I teach in schools ) was shut down by Covid, and still is due to the Delta variant. I was on forbearance. I was offered a modification payment of $ XXXXon XX/XX/2021. I was planning to accept but noticed it said my balance due of XXXX} was as much as the original loan of {$XXXX} XXXX  years ago. I have paid them {$XXXX} already. I asked for full payment history with balances from the beginning of the loan, including an explanation of {$XXXX} XXXX XXXX they invented, to show how this balance could be accurate. After months of calling, put on hold for XXXX minutes per time, messaging, emailing, texting, and sending a certified letter, I finally received only the last XXXX years payment history. They had previously charged me almost {XXXX} for a previous modification from XXXX to XXXX % They sent me a new loan modification with a higher payment of {$XXXX on XX/XX/2021, with a maturity date of XXXX. That would be XXXX years of paying them, plus another {XXXX, or {$XXXX} for my {XXXX} house. They will not send me the full payment history, no matter how many times I ask or who I talk to. I asked to resume payments in XXXX when my business is supposed to resume ; they speedily set it up for XX/XX/2021.
Consumer complaint received 2022-08-21
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: Advanced Resolution Services Inc. (PA)

I Attempted to access my CONSUMER but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification.
Consumer complaint received 2022-08-21
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. (NC)

Reinvestigate unverified accounts 

XXXX  XXXX  : unverified XXXX XXXX: unverified XXXX XXXX XXXX XXXX: unverified XXXX XXXX : unverified XXXX XXXX unverified 
XXXX: unverified
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (TX)

I have disputed several times with XXXX/Equifax and XXXX and they are refusing to do their jobs. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

I have attached the letter that was previously mailed to all bureaus 5 times ... I want these deleted today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1973 XXXX
Consumer complaint received 2022-10-19
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: Grain Technology, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a 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 under an open end consumer credit plan as late for any purpose. 
Opened : XX/XX/2020 Amount : {$1000.00}
Consumer complaint received 2021-02-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (MD)

I had an auto loan with ally financial. I defaulted on the loan on and my last payment was XX/XX/XXXX. 

I took it upon myself and surrendered the vehicle over to the repossession company. 

Ally has reported to the credit bureau a false time line of my final payment being in XXXX of XXXX. 

This has now been effecting my credit for 7+ years, due to false information on my report, this has not fallen off. 

Not to mention the debt was charged off so Ally not only repossessed the car but also charged off the debt at no loss.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, 15 United States Code 1681 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. In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 United States Code 1681 section 602 : states I have the right to privacy. 15 United States Code 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 United States Code 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



I'm requesting Debt validation with United States XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX : 1. A copy of the original contract with MY SIGNATURE for the debt listed below.

2. Full payment history from original creditor 3. The name and address of the original creditor 4. Proof that you now own or assigned the debt to collections 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 Fair Credit Reporting Act, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. You have NOT provided me a copy of ANY original documentation required under 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ) & 15 United States Code 1681 Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 15 United States Code 1681 Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 United States Code 1681 Section 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the Fair Credit Reporting Act. 



I demand the following accounts be verified or deleted immediately. Account Account Number Provide Physical Verification United States XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please remove all non-account holding inquiries over 180 days old. 



Please add a XXXX Suppression to my credit file. 



Thank You, XXXX XXXX