davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MN)

I am resubmitting this complaint, because Citibank closed my prior CFPB complaint as falsely and intentionally saying there was a third-party filing my complaint, which there was not, and that I needed to provide them authorization to investigate my complaint. I have attached my signed authorization for Citibank to investigate this complaint and discontinue their deliberate attempts to violate laws by refusing to investigate my complaint of unfair, deceptive and abusive lending practices. See original CFPB Complaint ID XXXX and CFPB Complaint ID XXXX. The next step is me filing complaints with the FDIC for Citibanks intentional decisions to deny rights under fair consumer practice laws. I applied for a My Best Buy XXXX XXXX, My Best Buy Credit Card and My Best Buy XXXX  Gold credit card, all in one application, on or around XXXX XXXX, 2022. I was not immediately approved but instead advised that my application needed more time for review, and I would receive a response within 14 days. This online decision did not provide any reasons or justifications for why the application needed further review, but it was not reviewed by a human at all. On XXXX XXXX, I received an e-mail from Citibank regarding the status of my application, and it stated my application was denied because I had recently been declined. This decline reason provided absolutely no specific information on the " recent decline '' -- how long ago was the recent decline? Why was I recently declined? What were the decline reasons on the recent decline? When am I able to reapply? How do I dispute both declines? The XXXX XXXX letter is generic and scripted. As such, I am stuck with an unfair and deceptive decline that does not meet FCRA and other guidelines when declining me for credit. Furthermore, my credit reports from all three credit bureaus were disputed within the last 30 days, and they have now been updated to reflect derogatory information that has been removed since I applied for these Best Buy credit cards. I attempted to call the phone number on the attached letter to speak with a live human, as no actual human has reviewed any of my declines for these Best Buy credit card applications, and there absolutely no way to speak to a human to discuss the inaccuracy of the decline letter or how to go about disputing the decline ; the automated system only provides scripted, generic information that my application was declined and does not offer any possible way to discuss this. My understanding is that Citibank is basing this XXXX denial off a XXXX application for the same credit cards -- despite the fact that my credit report has been updated to reflect deleted derogatory information. All things considered in this complaint, I believe that Citibank has intentionally engaged in unfair, deceptive and potentially illegal credit lending practices in reference to my Best Buy credit card applications.
Consumer complaint received 2022-08-02
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. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-04-06
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. (VA)

The amount of loans supercedes that in which I actually received. 
XXXX XXXX XXXX. 
The final

aid administrator fraudulently taken Ioans out using my personal information. I'm requesting all student loan debt be forgiven.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX XXXX I am submitting this complaint without any influence from any third party or agency. 

On XX/XX/XXXX, I asserted my claim to the instrument and proceeds exceeding any balance over {$1.00} to be credited back to me, as described in 12 CFR 226.11. When this letter was sent the balance that was on my credit card account with BOA was {$500.00}. I made a payment of {$50.00} and made a purchase which then left my balance at {$470.00}. 

I received a letter back from BOA, which I have attached to this complaint, which was dated XX/XX/XXXX, that says as of the date of this letter, the account doesn't currently have a credit balance. The same day that I received this letter, I received my new statement which was from XX/XX/XXXX thru XX/XX/XXXX. This statement is attached to this complaint as well. 

This statement shows that there is indeed a balance of {$470.00}. The letter that they sent to be proves that they violated 12 CFR 226.11. I requested for them to credit me back and the lied and stated there was no balance. I have since sent another letter, certified mail receipt attached, with the evidence that there is a balance on my account, a copy of the letter that they sent to me and a 2nd letter that specifically outlines the amount that I am requesting to have credited back to me within 7 business days from the receipt of this written request.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NM)

At the direction of my attorney, I tried to close my bank account ( checking XXXX ) on XX/XX/year> at the Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I met with three different employees one of which was the branch manager XXXX XXXX XXXX XXXX XXXX refused to close my account even though I brought in my notice of bankruptcy with the US Bankruptcy Court. XXXX XXXX mentioned that I should bring in an order but reiterated that even with the order he would not close my bank account at my request When I asked my attorney about the order his response was No, there is no " order '' that applies to them. via an email
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TN)

Credit Bureau Systems violates 15 US Code 1692e-False or misleading representations.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector to collect a debt. 

The documents received from XXXX have altered amounts on the document sent to me for review; there is a line drawn through debited amounts, and I am unsure of the reasoning is a credit or debit ( HANDWRITTEN ALTERED ). There are also other names on the account ; if the account is for XXXX XXXX, it shows additional amounts for XXXX XXXX. I have also included their report to show and prove inaccuracies. It also shows the insured as XXXX XXXX when there are two insurances. Does not show authorization to bill insurance, only showed they tried to bill. There is no signed contract that I would be responsible for any care besides my own. This company is not in compliance with FCRA or FDCPA ; they are not even compliant with XXXX formatting.
Consumer complaint received 2022-04-06
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. (MO)

In accordance with the Fair credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 B : a creditor may not treat a payment or a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-27
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-08-02
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (TX)

Early in XXXX I was affected XXXX, and it affected me pretty badly, I didn't make any commissions and couldn't meet with any customers while I was ill. 

I contacted by lender and told them if I could put the payment on the back end of the loan since I was unsure when I would be able to work, and I also needed to make sure I had as much money available to me so it was a courtesy I was looking for. 

Last year I was affected by XXXX last XXXX and they moved a payment on back end for me. The rep did not mention to me that I was ineligible to put the payment on back end since it was already done within a 12 month time. She told me I would have a payment that would be due in the following month. I did not receive any notice that my approval was denied for the extension. 

As I recovered and was planning to catch up I received a notification that I received a 30 day late. I contacted Navy and they stated I would need to dispute it to the credit bureaus depsite the fact that they listened to the recording and they rep wasn't clear that I was denied or approved, and I never received anything from Navy stating that I wasn't approved.

The supervisor I contacted stated he was going to put a recommendation to remove the late since I have never been 30 days late before and this was a misunderstanding.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I applied for a Federal student plus loan in XXXX of 2021 and was denied. Although I have disputed the information on my report through your agency CFPB, XXXX XXXX even with me mailing in the information that disputes what is there on my report the agencies Transunion and XXXX refused to list the completely change the information accurately. Transunion and XXXX refused to correct what is on my report XXXX did so accurately after their investigation. As a result of XXXX specifically, the report specifically I have been constantly denied my student loan for medical school. Even with the letter sent into them and the federal government because of what is on my XXXX report I am constantly being denied for the loan although the federal government did write back to me that the information I provided them in that letter from XXXX Mortgage was enough to change what is in my report. The federal government refused to change my status of the loan request to satisfactory until the credit bureaus Transunion and XXXX complied with the letter from XXXX Mortgage.
Consumer complaint received 2021-09-12
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: HALLMARK HOME MORTGAGE LLC (IN)

serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-04-06
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (NJ)

A collection agency, SOUTHWEST CREDIT SYSTEMS, has been changing the month and year of my old XXXX XXXX/XXXX  account delinquency in order to keep the account open on my credit report. In mid XX/XX/XXXX, during a recorded call with a XXXX representative, I was told by the rep that my old account was closed in XX/XX/XXXX. Which lead me to believe that my original date of delinquency may have been in XXXX or XXXX of XXXX. Whether correct or incorrect, what is clear is that XXXX originally reported my date of delinquency some time in the year XXXX. Therefore, after eight years it should have been removed from my account. However, SOUTHWEST CREDIT SYSTEMS apparently bought my debt from XXXX and has continually changed my date of delinquency to keep my account status open. I have never had any business dealings with SW, thus I've never had an account with them. XXXX XXXX-through XX/XX/XXXX, was the maximum window allowable window for SW to appear on my credit report. But, the company has, for more than three years, gotten away with re-aging my old debt/10 year old closed XXXX XXXX account.
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

The company is Midland Credit Management. I paid this debt and have a letter sent from them stating it's paid and I have no further financial obligations for the debt. They are still reporting a collection. They violated the fair credit report act. They change the amount to XXXX and then back to original amount constantly. That violates the act. They removed 2 of the collections off my credit report but they are not removing one of the collections that is paid and part of the settlement letter. This company is fraudulent. I want the collection removed from my credit report because it is paid. XXXX and XXXX I have sent documentation showing proof it's paid but they don't remove it they tell me that they believe the agency over the consumer even with proof of payment.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

There is fraud going on with my chime account. I had XXXX XXXX dollars transferred to my savings on XX/XX/XXXX, which was taken RECENTLY from my savings, and the transactions showing the transfer have completely vanished. There seems to be no trace of where it went at all. the account seems to be tampered with to make it seem like my money was NEVER in my savings, only checking 's. I have not spent {$XXXX}. Also there is disputes that have been opened an closed that I did not authorize. i will have to contact an attorney and report chime to the XXXX.
Consumer complaint received 2022-04-06
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. (FL)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights te privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-06
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

My loan is serviced by Rocket Mortgage with whom I recast my existing loan to lower my monthly mortgage payments from {$1200.00} to {$890.00}. 

The recast was performed in XX/XX/2022, with the first due date of the lowered monthly mortgage payment ( {$890.00} ) due in XX/XX/2022. 

On XX/XX/2022 I submitted a payment of {$1300.00}. This was applied towards the XXXX XXXX monthly payment. 

On XX/XX/2022 I submitted a payment of {$2000.00}. This as per rocket mortgages website was applied towards the XX/XX/2022 payment. 

On XX/XX/2022 upon learning that the loan recast was successful, with the next due date of XX/XX/2022, I submitted a payment of {$900.00}, intended for it to be applied towards the XX/XX/2022 payment. 

On XX/XX/2022 I submitted a payment of {$900.00} intending it to satisfy the XX/XX/2022 payment. 

However I was informed around this time that my loan was past due and a penalty in the amount of {$63.00} was charged. 

I attempted to resolve the concern with Rocket mortgage however they claim that the {$2000.00} I paid on XX/XX/2022 can not be credited towards the XX/XX/2022 payment when in fact their website and phone app indicated that it was. 

Thus, Rocket Mortgage claims that though I paid {$3200.00} in XX/XX/2022, against a mortgage payment amount of {$1200.00}, my loan was past due. Furthermore they refuse to credit the {$63.00} they have charged after the above was explained to them.
Consumer complaint received 2024-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

Dear Sir/Madam, I have requested documentation of this debt that was charge off account, which the acquired owner voluntary took on the debt and now threating to sue me which I was never in contract with. Please see email below to XXXX, XXXX sent on XX/XX/year>. 


I am writing to dispute a debt allegedly owed to your company, originating from CitiBank N.A. ( Best Buy ), and subsequently acquired by XXXX, XXXX. I have no record of this account or the associated debt amount. 

To assist in resolving this matter, I respectfully request the following documentation be provided : 1. **Account Documentation : ** Copies of all documentation related to this account, including those predating XXXX XXXX XXXX XXXX acquisition. This should clearly show my name, the last four digits of the account number, and the debt amount at the time of purchase by XXXX, XXXX. 

2. **Transaction History : ** A complete and detailed transactional history of the account since its acquisition by XXXX XXXX XXXX XXXX 

3. **Chain of Ownership : ** A chronological list of all previous debt owners, including the dates of each transfer of ownership, from the time of the initial charge-off. 

4. **Bill of Sale/Transfer Documentation : ** Copies of all bills of sale or other documentation evidencing each transfer of ownership from the time of charge-off. This should also include documentation pertaining to the original account opening. 


Please send the requested documentation to the following address : XXXXXXXX XXXX XXXX XXXX, FL XXXX Thank you for your time and attention to this matter. I look forward to your prompt response.