davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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 It May Concern, While checking my most recent XXXX and experian credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.

MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately XXXX and EXPERIAN DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. 
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

Several times now I have requested that Citibank remove XXXX closed external bank accounts from my account and it's like speaking to a brick wall. I get foreign outsourced scriptreaders who are incompetent and unable to understand English. Ideally, this simple task SHOULD be one I can complete on my own, in my account online, but that would require intelligence and competence. I have called them, I have email Citibank Executive Customer relations and nothing has been done. I don't know what else to do here
Consumer complaint received 2024-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

Requested and was approved for Citi AAdvantage credit card XX/XX/XXXX. 
Received physical card in the mail XX/XX/XXXX. 
Attempted to activate XX/XX/XXXX. While frustrating and difficult, was ultimately successful. 
Used card for two days.

Currently unable to use card as it has been locked for fraud.

When I login to my online account, Citi tells me to call them.

When I call, Citi tells me they are unable to help me.

Have tried to contact them multiple times and requested escalation to someone who can help with this issue but Citi is unwilling or unable to take action.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Request for Investigation of Identity Theft and Data Breach. I learned that my personal information was compromised during a data breach on XX/XX/year> at XXXX, and XXXX XXXX XXXX base, cybersecurity attack infecting nearly XXXX XXXX people personal information as well as social security numbers. I am writing to formally dispute inaccuracies on my credit report due to identity theft and a recent data breach that has affected my personal information. I discovered that unauthorized accounts have been opened in my name, which I believe are a result of this breach. I did not provide written or oral permission/ instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified accounts are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (MA)

I have sent this company 6 copies of letters which I will attach stating this was opened fraudulently and they give you an email to send a copy of a report and a signed statement from you to complain and make sure they realize this was opened fraudulently. The link for the email addresses do not work and I've tried relentlessly to send via fax ; email and regular mail. They claim they do not receive and that they will not take this credit card off my credit report.
Consumer complaint received 2024-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (NY)

There were two lines of store credits cards open under my name. All my information was used to open those two-store credit cards ; my name, home address, email, phone number, DOB and social security information. 

I was informed there was a Banana Republic Mastercard under my name by an email received on XX/XX/year> that disclosed the statement and the amount that was owned. The amount owned is XXXX. I informed Barclays that I did not open the credit card line, and they reported it to their fraud department. 

I was informed there was a XXXX credit card under my name by a XXXX representative calling me directly to collect a payment. I am unsure when the calls started but possibly early XXXX. I called XXXX 's fraud department and reported this as a fraud as well.
Consumer complaint received 2024-11-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Debt Collection Overview for {$770.00} Total Amount : {$770.00} 1. Identify the Debt Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX  ] Original Creditor ] The date Debt and a contract to verified this debt 18 U.S Code chapter 47 fraud and false section 1014 The date of unpaid rent.
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/year> I come to the bank to deposit checks to my business account, when I noticed my balances was not adding up. 
teller told me there is a pending wire transfer going out of my account. I sat with a persona! banker right away and the banker was able to call someone to have the wire stopped. Why didn't anyone call me to verify if I was transferring so much money????? Then I find out my grandchildren 's custodial accounts were in jeopardy!!! Someone transferred all the money from their accounts to wire transfer to another account!!!!! have business accounts/personal accounts/custodial accounts with Citi Bank and no one advised me all my money was going out. 
How can my bank let my money and my grand childrens money leave my account without my authorization! Until this day Citi Bank will not return my money back to me and my grand children. It is against the law to use my grand children 's money and Citi Bank is breaking the law. I come to the bank on a weekly basis to check the status of my investigation and they always tell me the same thing, " sorry the denied your claim, nothing else can be c What kind of response is that???? Oven {$100.00} XXXX US DOLLARS was stolen from me and my grandchildrens account and all l get is NOTHING CAN BE DONE???? That is unacceptable! Citi Bank CAN get my money back but they will not because it's not their money that was stolen! I even went to the police
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-11-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NH)

I have called the numerous times and tried to speak with a representative and I get " all our agents are busy but your call is super imporant to us, please leave a detailed message and we will get back to you " we have not recieved any calls, notices in the mail or anything.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AL)

Applied for Loan modification on XX/XX/2021. Never received any other written communication regarding the loan modification. Sometime around XX/XX/XXXX. I noticed that my account was showing that a loan modification had approved. I waited a few days and after I did not receive the modification papers in the mail, I sent a message via SLSs online messaging portal on XX/XX/XXXX. I requested information about the loan modification and I requested tracking information on the modification packet. I received no response. I sent a 2nd request on the same message portal on XX/XX/XXXX. I didnt not receive a response back until XX/XX/XXXX, when I was notified that the deadline to return the packet that I never received was that day. This is a direct violation of 1024.41 Loss mitigation procedures which requires borrowers to be notified in writing. 

I sent a Notice of Error/Qualified Written Request. Which has not been answered. The violation has not been remedied.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

For some reason or another this XXXX has left me in a very disrespected and confused position. They removed normal access items from my dashboard ; I can not request a credit limit increase, I can not adjust account notifications, I have not once in almost 2 years received any type of limit increase. This is very frustrating as it is amongst my only credit cards with a fee, it is the XXXX longest tenured, and by far my lowest available limit. For example, these are my limits with my other credit accounts ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and a few business accounts as well. Every account I own is in great standing, great payment history, and always paid in full. They have refused to respect and acknowledge me as a high value, high credit score, and high income consumer but rather the exact opposite. I've reached out several times to receive transparent communication to what seems to hold the growth of my account back only to hear responses like, '' I'm sorry, you should be eligible '', " Your account history is incredible '', and much more. If I'm not wanted as a customer, then don't approve me, but don't hinder my financial growth and scores because of whatever system bias is in place.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a credit card with Capital One. Being I dont like the fees from my current bank, I opened a checking account with Capital One, several weeks ago. In order to put some funds in my new account, I deposited a check, that was issued to me by my father. It was accepted for processing. But then I get an notice saying that I need to call in, to verify some information, which I had no problem doing. I called in, verified my personal info, as well as my deposit of my check. The lady on the phone told me it was fully resolved, and I had access to my funds again. I went and checked, to be sure. And sure enough, still frozen. Upon calling back immediately, I was informed that they wanted to speak to the check issuer, my father. I provided his current cell phone number, as its the only number he has. The lady on the phone told me that the number I gave isn't acceptable ( would NOT tell me why, nor would she call him ). I informed her that he has no other phone. I asked if he could call in, and was told no. And there's also no capital one location nearby, where he could go in. So, meanwhile, they processed the check. My father informed me that the money was debited from his account in full. It has also been applied to my current and available balances. Except there is still a freeze, where I can only deposit. I just want this resolved. The check has 100 % fully cleared into my bank, from origination bank. Thanks.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Pluese, Becker & Saltzman, LLC (NJ)

XXXX XXXX XXXX has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment. 
XXXX XXXX XXXX XXXX for XXXX XXXX is the substitute Plaintiff on this Foreclosure with wrong figures from the beginning. It was started wrongly by XXXX XXXX XXXX and attorney Pluese, Becker & Saltzman with a negative escrow balance In breach of the modification contract. They were told by us many times that there was an error but they refused to listen. We now have the proof and its in front of the court on n a Motion to Vacate FJ.
Consumer complaint received 2022-06-21
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I took out a loan with PenFed in XXXX of this year. There was a check cut and issued to me, I received it in XXXX and attempted to deposit it to my bank, but there was a problem doing so. I contacted PenFed and told them the check wasn't working. They agreed to cut me another check and sent it out. 

What they didn't do, I have now been told by their own personnel, was cancel the previous check. As a result, my loan was still dated as starting in XXXX. Before I even had received a working check, I got a call from them telling me I had missed a payment on this loan. I explained what happened to the person on the phone, who told me to not worry about it and everything was fine, I didn't owe a payment at this time. 

Fast forward to when I finally receive a working check in XXXX and deposit it, I now get a call from PenFed claiming I've missed TWO payments on the loan, and my credit reports now showed two late payments as well. I asked why this was the case when I didn't even receive a check to deposit until a couple of days prior. My loan shouldn't have started until that point. I was told by the person on the phone that their personnel who I had reported the bad check to had failed to cancel the previous check, so my loan was still dated in XXXX, and I owed the payments stated, and there was nothing they could do since I already deposited the check ( otherwise I likely would have simply canceled the loan ). 

I paid the account up to current, and they told me to file a report with the credit bureaus to fix my credit score. I did so, and XXXX came back to me telling me that PenFed had reported the late account and missed payments as accurate, when that is absolutely not what we discussed on the phone. I called them back and they told me to submit my credit reports to their credit repair department, which I did, but it has resulted in no change. They informed me I would receive an email once they've reviewed my documents, and I also have not received that yet. 

After a bunch of fighting, XXXX finally removed the late payments, but none of the following payments show as on-time, even though I have consistently made every payment on-time since I received the check in XXXX. XXXX, after 3 disputes, is still showing the late payments as accurate. 

I was trying to buy a house within the next year, but now I can't because my credit is destroyed. I've lost 100 points off my score because of this company 's negligence and poor handling, and they've refused to do anything to help me make it better. 

I have reported the lender to the XXXX XXXX XXXX as well, but they have yet to respond to their inquiry.
Consumer complaint received 2022-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

On XX/XX/2022 I sent a letter to Portfolio Recovery Associates , LLC ( XXXX ) formally disputing an alleged debt, by requesting validation made pursuant to The Fair Debt Collection Practices Act and The Fair Credit Reporting Act, that is competent evidence bearing my signature showing I had or ever had a contractual obligation to pay Portfolio Recovery Associates , LLC. 
On XX/XX/2022 PRA signed for my certified letter, and responded by sending a print out of an unknown bill, failing to provide the requested information by law with my signature. 
On XX/XX/2022 I responded to PRA with a second letter of dispute, again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Portfolio Recovery Associates , LLC. On or around XXXX PRA sent the same unknown bill, again failing to provide the requested information by law with my signature thus violating ( including but not limited to ) FDCPA Section 809 ( B ) FTC opinion letter Cass from XXXX. Portfolio Recovery Associates , LLC is in violation of Federal law and needs to remove the item from my credit report.
Consumer complaint received 2022-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

The last 4 of my social security number are XXXX. I did not open a XXXX XXXX account with Comenity Bank, this balance is due to an annual membership fee, which I did not subscribe to. Not mine. Fraudulently opened. XXXX XXXX refuses to delete this collection account.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation (NC)

I am XXXX XXXX, a consumer, and I am the executor of XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, you have violated the consumer rights of XXXX XXXX XXXX XXXX XXXX ) under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. You also violated 15 U.S.C. 1692f - Collect any interest, fee, charge or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law. Also taking or threatening to repossess or disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property can not be taken, repossessed or disabled. 

XXXX XXXX, the co-applicant on this file with the original creditor, XXXX XXXX XXXX, passed away in 2021. I need a copy of a definite statement and an audit trail on this file and the forward flow agreement immediately. My aunt XXXX XXXX has been paying on the debt which XXXX XXXX XXXX sold the debt and another company sold it to you and the debt has been paid in full. You, Concord, purchased the debt which is a breach of the Gramm-Leach-Bliley Act since private information has been compromised and was given without our consent. XXXX XXXX did not sign any contract with Concord. There is a lien on the property of XXXX XXXX XXXX XXXXXXXX XXXX I called XXXX XXXX XXXX, the original creditors, and they can not find records of this account. I sent your information to our closing attorney and they rejected your pay off. There was some confusion on the invoice at the bottom stating $ XXXX ; there is no mention of our UCC financing statement and there is also no reference of the property address in question. 

If proper validation of this alleged debt is not provided immediately upon receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

I have attached the following files for your review that states me, XXXX XXXX, being the executor of XXXX XXXX Estate. As a consumer we have a right to ask for an audit trail on this file.
Consumer complaint received 2022-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

My mortgage got bought out by Freedom Mortgage Company in XX/XX/XXXX. I called in to make the first payment. Set up the online payment option. Tried to make the payment for XX/XX/XXXX on time and the system didn't take the payment. I had to call in to make the payment in XXXX. I was laid off the first week of XXXX XXXX.I also got XXXX XXXX the first week of XX/XX/XXXX. I tried to make the payment in XXXX and they didn't process the payment. Seeing how I was dealing with XXXX and behind on money I applied for Covid forbearance. I tried to make my payment in XXXX and they didn't process my payment. My brother in law tried to help us get caught up and went to make a {$1000.00} payment on our behalf on XX/XX/XXXX with the mortgage statement I gave him to call up with. They didn't apply the payment. I have been unemployed since XXXX. I tried to call in the beginning of XXXX to make the XXXX payment and see what I can do with the past payments and they told me the whole past due must be paid or I must refinance. I told them it wasn't fault, that I tried to make the payments in XXXX and XXXX and they wouldn't take my payment. They told me it was me or my bank, that it wasn't their fault. I went to my bank and they showed there was never a returned payment or insufficient funds in XXXX or XXXX. There was no proof that Freedom Morgage tried to attain the funds. I never missed a payment in over 7 years living in our home until they bought the mortgage.