davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I opened a new checking and a new savings account with Citi Bank under this offer code : XXXX Per the offer, Citi Bank was to credit my account with {$400.00} new account bonus once certain requirements ( listed below for reference ) were satisfied. Citi Bank was to credit my account between XX/XX/XXXX - XX/XX/XXXX. It is now XX/XX/XXXX and nothing is credited yet. 

I have contacted Citi Bank customer support numerous times via Chat and Phone. Each time I was told all the requirements have been met and the bonus will be credited soon. There is even an investigation request opened by Citi Bank agent for their back office to look into the issue. The reference number is XXXX XXXX XXXX. Created on XX/XX/XXXX, and I was told 5-7 business days for it to be processed. Nothing till this date. 

Offer detail : Start your Citibank relationship today with the Citibank Account Package and earn {$400.00}. 
Heres How It Works : Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/XXXX - XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
To waive the $ XXXX monthly service fee and {$2.00} Non-Citibank ATM fee, maintain a minimum combined average monthly balance of $ XXXX in eligible linked deposit, retirement and investment accounts.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, chase closed both of my credit cards Freedom ( XXXX ) {$500.00} and my chase amazon ( XXXX ) {$7100.00} without any warning then I received a sudden email Saying that had too many inquiries. I have a good credit score,  and low debt ratio ... I have a long outstanding relationship with chase pay my bill on time and promptly. I tried my ultimate best to keep my usage under 30 percent and even pay my bill on time and even before it due date. EVEN with the health pandemic ( Coronavirus ) I kept up with my payment and keep my usage low. I just want to have chase to reinstated my account and want to have a long standing Forever relationship with them. I send numerous email to them with no avail .. please help
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NJ)

I was orginally with Ocwen until PHH Mortgage came and replaced Ocwen. Then Ocwen put 2 accounts under the Ocwen name on my credit report. There is one open account from PHH Mortgage on my XXXX  credit report. There are 3 closed account on my XXXX  credit report one of them is a HELOC that is mine the other 2 are Ocwen. I never had 2 accounts with Ocwen. It shows that I have had 2 loans with Ocwen which is not true.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc. (MI)

My income taxes have been took in full for the last 4 years and my stimulus check and that mo ey is for my kids it says they con o ly take 50 % from a person with a family but they take 100 % of my check and 60 % of my pay roll I gave XXXX children at home and a wife the person receiving the money is working under the table not paying taxes at her father XXXX  office and she makes over XXXX a year and she still get government assistance because the XXXX  is her father friend and her XXXX XXXX XXXX XXXX is her friend from high school I'm being railroaded and my kids are getting the short end of the stick
Consumer complaint received 2022-10-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT CAPITAL ONE AND XXXX AND XXXX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENT CAPITAL ONE MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM CAPITAL ONE OR XXXX AND XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO CAPITAL ONE WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM CAPITAL ONE XXXX AND XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.
Consumer complaint received 2024-11-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I requested for the School Misconduct Form/Borrower 's Defense Form . I have private student loans from when I attended XXXX XXXX XXXX XXXX XXXX. The school did defraud me with both my federal and private student loans.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXX Bank SS Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXX Account # XXXX {$2800.00} XXXX XXXX  Account # XXXX {$25000.00} UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX XXXX and Account # XXXX, Account Name : XXXX / XXXX CO XXXX and Account # XXXX, Account Name : XXXX XXXX XXXX and 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 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX - Opened On XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened On XX/XX/XXXX Account Name : XXXX XXXX XXXX Opened On XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

I got an email from XXXX XXXX XXXX regarding a debt collection agency by the name of Nationwide Recovery Services re : a debt owed them in the amount of {$1300.00} in my name. 
So I notified them informing them of the issues at hand, I spoke with a young lady who was assisting me in trying to find out where the debt came from, she didn't have that information because the names in her system reference the same name as mine. I never receive any kind of notification from this debt collection agency before, and there's another problem, I can't get a hold of XXXX only their automation system in which don't address my needs, The notice has been posted by XXXX on my account because work with them before in past and them {$99.00} a month for six months to repair my credit, that ended last year XXXXXX/XX/XXXX, but in the meantime when I was speaking with the young lady who kept putting hold, I got another email from XXXX informing me my credit score has decreased by 7 points at this point I didn't know what to do but file a complaint with your agency.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXX Bank SS Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXl Account # XXXX {$350.00} XXXX  Account # XXXX {$2800.00} XXXX XXXX XXXX # XXXX {$25000.00} UNKNOWN INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a $ XXXX ( enormous ) overpayment of my car loan ( beginning balance around $ XXXX ) with Bank of America. I never got a statement the following month saying anything was due. Instead, they called to harass me that they were " collecting a debt '' for our missed payment. Clearly the bank failed to apply the large overpayment ( the monthly payment is closer to {$600.00} ), did not reduce the balance appropriately, failed to send a statement if indeed a monthly payment was due despite the large overpayment, and then had the audacity to call to " collect a debt ''.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank closed 2 of my cards within the past 2 weeks. I reached out to ask them why, and they claimed inactivity. I used both cards ( Victoria 's Secret and XXXX  XXXX ) within the past 6 months, and we are in a pandemic, so that should be more than good enough and should NOT entail closed CC accounts. 

I reached out to them on XX/XX/XXXX regarding my XXXX XXXX account, and they gave me a canned message ( see below ). Today I saw that they ALSO closed my Victoria 's Secret account ( XX/XX/2020 ) via my credit monitoring service. 

This is a problem as my credit score is above 800 and they shouldn't be closing accounts during a pandemic when stores are not open. Also, inactivity should only kick in after 6 months, and should be entirely waived during a pandemic/ national stay at home orders. 


" I am with Comenity Bank, which handles everything related to your credit card account. I'm happy to help you today. 

We closed your XXXX  XXXX account on XX/XX/2020 due to inactivity. 

We let the national credit reporting agencies know that your account was closed at your request on XX/XX/2020. 

We value having you as a customer. 

Although your account is now closed, we hope you will continue to shop with XXXX XXXX and invite you to apply for a new XXXX XXXX account in the future. 

If you have any questions, please click the reply button. 


Sincerely, XXXX Internet Customer Care Team ''
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

The original apartment XXXX XXXX  states I owed last months of rent from a lease XX/XX/2016. I paid by money order in the office and then years later National systems a third party debt collect places debt of {$470.00} on my credit but sent a letter saying I owe real {$750.00}. 

How it is that you dont have my payment but yet you are providing misrepresentation of the amount you claim I owe. 

The document has no interested added but I list of fees I never had to pay with my rent in the first place
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

unidentified payment was posted to my account one year ago and a month or so later removed. Credit card restricted the account for one year now. Called numerous times and no one in fraud can tell me what to do to restrict the account. On XX/XX/XXXX a new payment was charged to my account XXXX and they can not tell me why ecause the account is restricted and the account manager has been unavailable for one year. Another rep says there is no account manager and when i inform the rep that i am recording the call as the misinformation is excessive they say they are disconnecting the call. I owe XXXX and they are charging me XXXX. My account is on auto pay and no one can tell me why the restriction or the double charge at Capital one.
Consumer complaint received 2020-05-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

In XX/XX/XXXX, I applied for a VA Mortgage Loan from Navy Federal at 2.75 % with 1 Discount Point at 1 %. I was pre-approved and have since placed an offer on a house ( XX/XX/XXXX ) with a loan amount of {$280000.00} with a discount amount of {$2800.00}. During the option period, I tried to contact my Loan Officer several times via email and phone to secure the rate. The Option Period ended on XX/XX/XXXX and only today XX/XX/XXXX did my Loan Officer inform me that there will be an additional 1.5 % or {$4200.00} in Orientation Fees. I stated that the website advertising the rates and the pre-approval paperwork did not state the additional Orientation Fees. After I brought it up, the Loan Officer talked me to find in a very obsure location the Orientation Fee information that is clear only an internal employee would know to find. At this point, I asked my Loan Officer why she did not reply to my emails or phone calls to discuss this information and lock down the rate prior to my Option Period ending. She did not provide a response to her delays beyond the option period. I asked to speak to her supervisor and later her supervisor called. The supervisor could not explain why the Orientation Fee is not located next to the advertised rate similar to the Discount Points and why the Loan Officer would not respond to my requests to resolve the interest rate while I was still in the option period. At this point, I will lose {$3500.00} in Earnest Money and I was informed there will be an additional 30 days in processing the loan. In Summary, ( 1 ) Navy Federal was not clearly advertising their true cost for interest rates and put in a location only employees would know to look. ( 2 ) Did not provide any Orientation Fees documentation in the Pre-Approval paperwork that was used to put an offer on the house. ( 3 ) The Loan Officer would not respond to phone calls and emails when directly asking about the Discount Points charged even when I specifially outline the math involved during the option period when I could walk away from the home purchase contract. Only after the option period did the Loan Officer inform me of this additional {$4200.00} in charges. ( 4 ) The Loan Officer Supervisor could not explain why the information was not located next to the interest rate, like the Discount Points, on the website and why the Loan Officer did not respond to my communications during the option period when I could have avoided the additional {$3500.00}.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2022 I attempted to apply for XXXX credit card. I was notified that Experian and XXXX are reporting that my mortgage with XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted XXXX and they ran it again and stated that Experian is reporting that negative information. I am not and have not been late on my mortgage and no one from Experian or XXXX is trying to assist me.
Consumer complaint received 2022-04-29
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. (FL)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2022-04-29
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)

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.

US DEPT ED XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, US DEPT EDXXXX, US DEPT ED XXXX XXXX USDOE/XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-29
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: Chime Financial Inc (FL)

My Chime XXXX XXXX XXXX Account was removed from reporting on my XXXX back in XXXX of 2021 for not reason. Although it was removed from XXXX and they refuse to provide a reason as to why, the only way the XXXX will restore reporting of the Chime Credit Builder Account is to have Chime send them a reinsertion letter and updating the account information. I have tried for several months to get Chime to do this yet the keep giving me the run around and repeatedly tell me that since XXXX removed the account, it's XXXX 's problem. This of course is not true since XXXX is telling me that the only way they'll start reporting the Chime Bank XXXX XXXX account again is if CHIME submits a reinsertion letter. For nearly a year Chime and XXXX has blamed the other for the account not reporting on my XXXX XXXX XXXX.