davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (MD)

I write in regard to my former Best Buy Credit Card held with Citibank. I opened the credit card on XX/XX/XXXX with XXXX XXXX  and consistently paid the credit card on-time through automatic payments. Apparently, in XXXX, XXXX sold the Best Buy Credit Card portfolio to XXXX, and then in XXXX, XXXX sold the Best Buy Credit Card Portfolio to Citibank. ( SeeCitibank Press Release from XXXX, available at XXXX XXXX XXXX ). 

The reason I mention this is because when my credit card account was transferred from XXXX XXXX to Citibank in early XXXX, the processing of the payments was shifted to a new website. But in the transition process, my automatic payments that I set up previously for my Best Buy account did not transfer over despite my belief that the automatic payments would still be made. Additionally, at the time of the transfer, I moved addresses from XXXX, NJ to XXXX, NJ. As a result, I did not receive notification that automatic payments were not being made on the accounts. Consequently, my account became 120 days delinquent. It was only when I was contacted by a debt collector over the phone that I learned that the automatic payments were being made. Worse yet, the debt collector called my grandparents telling them that I was delinquent on a debt. It was obviously an attempt to embarrass me with my family and I was appalled that Citibank would contract with a debt collector who would engage in such tactics. 

Upon learning of the mistake, I immediately made arrangements for automatic payments to be made. But for some reason, the debt collector stop collecting the automatic payments only to begin harrassing me and my family members again with calls that I was not paying my debt, when I gave them all of the information necessary for direct deposits. Even though the debt collector messed up in collecting the debt, the account went into delinquency. 

By XX/XX/XXXX, I paid off the outstanding {$2200.00} debt Citibank Debt IN FULL including any and all late fees. What frustrates me though is the entire thing was caused by a less than seemless transition from XXXX XXXX  to Citibank XXXX which I did not consent to ), and by the harrassment of the debt collectors. The negative information has remained on my credit report for over six years now, even though it has been over four years since I paid the outstanding balance in full. Moreover, Citibank has not reported any new credit information on the account since XXXX of XXXX. Quite frankly it is outrageous that Citibank engaged a debt collector that engage
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Have had my credit file frozen for " safety '' Applied for a new credit card and need to unfreeze the account Since I last accessed it, Experian has changed the log-in process ( it was formerly a long PIN number and your email ) It refuses to acknowlege either my older email associated with the account or, when I tried to log in with a new email, it tells me that that email is already connected to a different account. Calling them only connects you to a phone chat bot that can not fix the issue and will not allow access to a human to discuss
Consumer complaint received 2020-06-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

The response from chase on complaint XXXX is incorrect. 
They show changes to the accounts in XXXX and XXXX, The address changes on my accounts that show XXXX XXXX Washington where not valid at that time. The addresses that they show have only been valid for approximately 1 year.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (WY)

hello XXXX  is showing that the account UPGRADE INC XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, AZ XXXX has a missed or late payment, this is false, i will provide bank documents that will show i never have missed a payment.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

After filling the application online and being denied credit, I called American Express customer service on two different occasions to get a manual reconsideradion from American Express, and both time I was told no, which now lead me to believe that I was XXXX  against because I did my credit application in good faith and credit was not issued. Attached is the denial letter from American Express and another document. Furthermore, American Express claims that the reason I was denied credit it's because I have too many new bank card cards, pursuant to federal law based on the response I received from American Express, that is not a reason for me to be denied credit.
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (MN)

Payoff was issued to mortgage carrier RoundPoint on XX/XX/2020 in the amount of {$110000.00}. On XX/XX/2020 RoundPoint took out {$880.00} and applied to our escrow account, now totaling {$1200.00}. 

Contacted and was informed the {$880.00} was added to escrow after payoff was received, and in closing the account a check would be issued in 20 days in the amount of {$1200.00}.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (AZ)

Made an appointment with local Chase Bank to close out a checking account of a decent. 

1. Appointment with XXXX XXXX 2. Appointment address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX 3. XXXX 4. Provided XXXX with all necessary documents typically needed to close account 5. XXXX acknowledged all documents needed have been received with one exception 6. XXXX advised that Chase Bank requires. letter from the Social Security Administration stating that SSA has no intention to re-coup previous deposits 7. XXXX stated this is not a SSA requirement, rather a Chase Requirement 8. Spoke with local SSA office who stated Chase should not be doing this 9. Local SSA office stated Chase Bank is the only bank doing this 10. Local SSA office stated that SSA has spoken with Chase Bank multiple times regarding this issue 11. Local SSA office stated that Chase is aware this is not a requirement
Consumer complaint received 2020-05-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc. (CA)

I getting call from debt agencies daily. I have put there numbers on block list. It is usually same companies, but change their numbers. They leave no message. I believe these are robocall scamming. This has been going on for months. 

Companies are : XXXX XXXX XXXX Ars National Sr
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

In early XXXX 2019 I received a recorded message and e-mails that someone had used my credit card number on or about XX/XX/2019. charge about {$600.00} on my CitiBank express card. I never used that card and don't know how they got the number. Whoever did this charged things at XXXX XXXX XXXX and places in XXXX XXXX, Puerto Rico. CitiCards sent me a statement with all the places where the card was used, and I cancelled it and foolishly got a new card. They removed all but one charge, the most expensive, XXXX  XXXX XXXX XXXX, XXXX XXXX. CitiBank sent me a form to fill out and return stating that I never authorized this transaction, which I signed, kept a copy of, and sent the original to them. The {$180.00} was on my next statement. I was told it was under investigation by their fraud dept. I paid the {$410.00} that I actually owed them but not the fraudulent charge. Every month I got a bill with that amount on it ; called and was told it was still under investigation. I called and spoke to dozens of people who said they would take care of it and remove it but no one did. I cancelled the card but am still getting phone messages and e-mails from CitiBank that I owe them that money. They have added late charges to my closed account and say this is still being investigated by their fraud dept. No one can seem to get through to their fraud dept. I ignore their calls and bills. This has been going on for almost 10 months. Sounds like an inside job to me. I plan to contact the Federal Trade Commission about this. They are definitely not getting paid by me for money some crooks spent. Don't ever get involved with CitiBank. 

XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Paypal is wrongfully holding my refund from a seller. 

Paypal id is XXXX It is nothing suspicious about this.. it is a simple refund from a seller and Paypal is wrongfully holding my balance to transfer to my checking account. 

{$140.00} USD is in hold right now and {$140.00} is not sending out to my customer.. 
Please see the screen shot below.
Consumer complaint received 2022-07-17
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. (OK)

In accordance the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

On or about XX/XX/XXXX, I spoke with XXXX XXXX of Loandepot regarding refinancing of my mortgage. He promised me that if I submitted timely all my documents as requested by Loandepot then I could close no later than the middle of XX/XX/XXXX. I complied and even relied upon his statements because I had work-related obligations in XX/XX/XXXX that take me away from my home area. In early XX/XX/XXXX, I was contacted by XXXX XXXX who is a loan application processor who stated that it was going to take 10 days to obtain a payoff quote from my current lender, and that could delay the loan. I contacted my current mortgage servicer and obtained the payoff letter in 3 minutes and forwarded it to Loandepot. I was waiting, hoping and relying that I would close by my rate lock end period on XX/XX/XXXX. At which point, I received a form letter saying that my rate lock was being extended to XX/XX/XXXX. XXXX XXXX, a manager at Loandepot assured me on XX/XX/XXXX that they would fastback my loan and would have me closed before I had to leave the country on or about XX/XX/XXXX. On XX/XX/XXXX, not having heard from Loandepot, I had to CANCEL MY LUCRATIVE CONTRACT because I was going to a location where internet was unreliable and there were no notaries. NOW, Loandepot sends me a letter telling me that my rate lock has been extended to XX/XX/XXXX. When I call them, NO ONE can tell me when I will close. Loandepot has been duplicitous in all of their representations to me. They have strung me along when I could have used another lender. I did everything I was supposed to do and yet they have taken from me the one thing I can not get back : my time! Additionally, I have lost the income from a lucrative contract that I can not get back. My reputation in canceling is mush. I don't know if they're breaking the law or not but they're XXXX sure breaking their motto : Customer service is our top priority! Thats a bunch of XXXX! I'll never use this company ever again!
Consumer complaint received 2020-06-25
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-05-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (LA)

I responded to a promotion on the internet and opened a CitiAccelerate Savings account and opened account number XXX I believe on XX/XX/XXXX. I funded the account with 4 transfers of {$25000.00} each and 1 transfer of {$20000.00} all from my XXXX account XXX on XXXX, and XX/XX/XXXX. The balance on my last statement was {$120000.00}. I spent literally hours on the computer trying to establish access to my account without success, even with assistance from their technical people. Apparently this occurred because I also have credit card accounts with Citibank which conflicted with the savings account, and " the two systems don't communicate ''. This culminated in multiple calls to their help line on XX/XX/XXXX and XX/XX/XXXX. The help line was XXXX and I made the calls from my XXXX XXXX. On XX/XX/XXXX I talked to a representative who said Citibank was closing the account and sending me a check and it would arrive in 5 to 7 business days. When I still had not received the check today, XX/XX/XXXX, I called the same help line and talked to someone named XXXX. She told me the funds were not mine, that the funds for the account had come from another depositor and were therefore not mine. She refused to give me any more information about the status of my funds. I have no way of knowing what became of the funds. She gave me another number to call on Monday but I'm afraid at some point the money may become irretrievable. Hard to believe this could happen with a too big to fail bank like Citibank. This is probably an honest mistake, but at this point I have to assume people connected with Citibank have embezzled my money until proven otherwise.
Consumer complaint received 2020-05-15
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2022-07-17
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: EQUIFAX, INC. (NJ)

Pursuant to 15 USC 1681b ( a ) ( 2 ) I have given Equifax specific written instructions via certified mail for my consumer report. As I stated in my letter, this is not a dispute, but a demand. XXXX is in violation of my rights as a federally protected consumer. 

My federally protected consumer rights have been violated pursuant to : 15 USC 1681b ( a ) ( 2 ) - States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ). States I have the right to privacy.

15 U.S. Code 1681e ( b ) Sates a consumer reporting agency shall follow reasonable procedures to assure 100 % accuracy of the information concerning the individual about whom the report relates.

1681C ( a ) ( 5 ) - States that no consumer reporting agency may make any consumer report containing any adverse information other than records of convictio
ns of crimes which antedates the report by more than seven years.

15 USC 1666 ( b ) - States a creditor may not treat a payment on a credit account under any open end consumer credit plan late for any purpose.
Consumer complaint received 2020-06-25
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/BBB. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! You must provide documentation as of its accuracy or remove it immediately without prejudice. XXXX ACCT : XXXX XXXX : {$130.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. This is again a demand to remove and block such information from the report in question. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I don't know how this stuff got on my credit. I didnt sign up for none of these acounts. I never benefited from any of this stuff. My concern is also these inquiries, I want this stuff taken off my credit immediately. They have no right reporting things on my credit that I never had. REMOVE IMMEDIATELY