davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I XXXX XXXX have incorrect personal information showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica (CA)

Report fraud of {$10000.00} along with proof of XXXX  and XXXX on dates fraud was committed only to receive half a provisional credit for XXXX on XXXX but when request made to dispute other {$5400.00} for the other half told provisional credit reversal would be made on XX/XX/2022 and case was lost even though I have sent proof I couldn't have been retriever of funds
Consumer complaint received 2022-09-20
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 — Problem with personal statement of dispute
Company: Avant Holding Company, Inc. (FL)

I received a credit card from avant several months ago in hopes of rebuilding my credit to purchase a home. I received the card used it a few times throughout the day then the last purchase I attempted to make declined. I immediately contacted customer service to inquire about this because it was a brand new card and I know that the small purchases I made didnt total to the credit limit of the card. This was over 60 days ago it is reporting negatively on my credit report and I only received some assistance when I opened a case with the XXXX. I decided to call today because again it has surpassed the 60 days that they claimed the investigation would take. Coincidentally I was told I received a denial for my claim today through email which I did not but it was awfully strange that when I called the case so happens to be closed on this particular day. This is reporting negatively to my credit report for months assistance with this matter has been nonexistent to say the least. Again this and several other cards which are current were to build my credit. Avant isnt protecting its customers and is trying to get over which is no better than the individual who utilized my card however they were able to. I will fight this charge until it is removed I will not pay for something I didnt do. Avant has dragged its feet for several months on this issue I will not be silenced about this I hoped this would be a good experience but it has been one of if not the worse experiences Ive had with a credit and company to date.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

Card was given to us as a gift in XX/XX/. It looks like it was purchased on XXXX at XXXX. Card was somehow stolen and used at a Tattoo shop in XXXX of XXXX - nowhere near where we live. It was a {$50.00} gift card and the balance is now {$0.00}. 

I tried to called the customer service number multiple times at XXXX ( servicer InComm Financial Services ) and they never picked up.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against RoundPoint Mortgage Servicing Corporation due to a series of ongoing issues since my mortgage was transferred to them. Despite making all my payments on time and without issue for years, I have encountered several problems with RoundPoints handling of my mortgage payments, which have now escalated to an unjust late fee.

The issue began when RoundPoint charged me fees without any clear reason. Most recently, they returned a payment check I mailed to the address I have been using for all prior paymentsan address that had been accepted without issue until now. This time, however, they rejected my payment, returned it to the bank, and charged me a late fee. I have also made further payments to Roundpoint Mortgage, however payments are not being appropriately credited to my account.

I provided RoundPoint with clear proof, including a copy of my check and bank records, demonstrating that my payment was delivered on time. After numerous calls to their customer service, I have received inconsistent and conflicting information. Despite my providing all necessary documentation, RoundPoint has failed to acknowledge or resolve the issue. 

I am formally requesting that the late fee be removed from my account, as this is a result of their mismanagement and not due to any negligence on my part. Based on their many negative reviews and a dismal rating of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX website, it is evident that I am not alone in experiencing such problems. 

This pattern of poor service and disregard for customers concerns reflects badly on RoundPoint, and I urge the Consumer Financial Protection Bureau to intervene and help address this matter. 

I appreciate your assistance in resolving this issue. 

Sincerely, XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (AL)

I RECEIVED MY ANNUAL REPORT AND I AM EXTREMELY UPSET DUE TO IDENTITY THEFT .THERE ARE ALSO NUMBER OF THINGS REPORTING INCORRECTLY ON MY CREDIT REPORT SUCH AS LATE PAYMENTS. THIS IS BEING REPORTED IN ERROR AND AFTER COUNTLESS CONVERSATIONS WITH THE CREDITOR, I HAVE DECIDED TO FILE A COMPLAINT. ACCOUNT IN QUESTION : WELLS FARGO AUTO CREDIT BUREAU OPERATION. THIS ACCOUNT IS SHOWING XXXX LATE PAYMENT ON MY CAR PAYMENT THAT 1S COMPLETELY INCORRECT AND I WAS TOLD THIS WOULD BE CORRECTED I HAVE MADE NOTHING BUT ONTIME PAYMENTS SINCE HAVING THIS ACCOUNT .I ALSO HAVE INACCURATE ADDRESSES THAT I REPORTED TO ALL THREE CREDIT REPORTING AGENCIES ( BELOW ) THESE ADDRESSES ARE INCORRECT AND WHERE REPORTED AS A RESULT OF IDENTITY THEFT. PLEASE REMOVE THEM!! INCORRECT Addresses : 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 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 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

ISSUES : A ) APR increase violated terms agreed to, and it's unreasonable. B ) Improper and questionable notice of the increase. C ) Billing dispute. D ) Closed account without my express authorization. 

A ) Around XXXX or thereabout Citibank called and offered XXXX XXXX + Variable Prime if I transferred money to its Diamond Preferred Card. It stayed that way until XX/XX/XXXX when Citibank got too greedy due to the ongoing Fed 's increases, and then yanked the XXXX from 6.24 % to 15.99 %. Citibank cited my credit score of XXXX, which was baffling given the excellence score and flawless credit history. 

B ) The notice was tucked in on page XXXX of the XXXX bill. Citibank intentionally failed to mail such an extremely important life impacting notice in a separate mail to ensure it was not missed. Citibank sends to me numerous nonsensical other notices in separate mail, raising question why the increase was not sent separately. I regularly make my payments online. 

C ) By the time the outrageous hike caught my attention I already made {$1600.00} purchases on the card past the since the new rate date of XX/XX/XXXX took effect. Consequently I quickly made a payment of {$2400.00} to offset the purchases, with {$67.00} left to cover the regular monthly payments on the balance prior to the hike. However, Citibank lumped the purchases with the preexisting balance in order to disgustingly and unconscionably keep charging me both the old rate and the new rate, despite being informed, clearly, that {$2400.00} was precisely made to offset the purchases that were made due to receiving their notice late. 

To ensure that this problem got resolved I asked Citibank to provide me information how much of the {$2400.00} went to the previous balance and how much went to the new purchases, and what was left of the purchases so I can issue a new payment to get rid of it. Citibank refused. 

D ) I then clearly Citibank that the alternative then would be to wipe off the entire balance and close my account and seize all business relationship for good. The language was pretty clear, yet Citibank went ahead an closed the account but did not write off the balances to end the business relationship. When notified Citibank stated it would reopen the account. At the time of this complaint Citibank has not done so.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was scammed by digital fraud on XXXX and I reported to Bank of America immediately asking to retrieve the fund from XXXX transfer. However, after a few days they told me that they are not able to honor my claim. I am so disappointed by their response since they neither retrieve the transaction nor credit me back the money.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022 I received three ( 3 ) consecutive emails from Bank of America. The first, asking me to verify my email, which I did not do. Second, that my online application to open a Bank of America XXXX XXXX Banking Account was in progress with a confirmation # : XXXX. The final email, stating that my application was approved. As I did not submit any application to open a checking account with Bank of America, I contacted their customer service the following morning ( XX/XX/2022 ) and had the account closed due to fraud. The account was opened with my name, email, SSN, and an old address.
Consumer complaint received 2022-09-20
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. (CA)

In accordance with Fair Credit Report Act. XXXX XXXX XXXX XXXX  Acct : # XXXX is violating my right as a consumer. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-mail in a fraudulent or deceitful account or report. This debt must be validated. Per FTC, CFPB, FCRA, and the Attorney General.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have Citibank XXXX XXXX XXXX Credit Card. They have been advertising a flex payment option on large purchases. Last month I made XXXX airline ticket purchases of $ XXXX. I enrolled in Flex pay plan for these amounts for XXXX  months with a 1.99 % APR. My plan was to pay these purchases via the monthly payment plan. But pay off any other purchases in full every month. 

I am enrolled in Autopay and I went ahead and selected an option that said " Adjusted New Balance + Flex Plan Monthly Payment - Additional information expanded This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. '' It clearly states that this option means that every month it will deduct my monthly flex payment plan plus any " non-flex portion of my statement balance ''. But this month, they deducted the entire amount including the the purchases on the flex payment plan. I had not budgeted for such a large amount to be deducted from my checking because I was thinking only the flex payment installment plus other balances would be deducted. 

I called Citibank and they said they can deduct the monthly payment and refund the rest of the amount. But I asked them why this happened? They forwarded my call to another department and they explained that the only way I can make sure that this wont happen again is to select the " minimum payment '' option. But I told them, I dont want to make only the minimum payment because I dont want to pay interest on the other purchases. Moreover, they have the option under the Autopay for " Adjusted New Balance + Flex Plan Monthly Payment ''. But they told me that this option does not work and only minimum payment will work. 

I believe this is unfair business practice. They are advertising the flex plan installment payment option, giving us an option to make a flex installment plan+other balances, but then that option doesn't work and instead forces us to make a minimum payment. 

Thank XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

I reported to Chase that I lost this credit card ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. There was fraudulent charge in the amount of {$11000.00} after I lost this card. All transactions were happened in XXXX XXXX on XX/XX/XXXX. I obtained an invoice from one of the merchants of ID Hospitals in XXXX XXXX. I am attaching the invoice which clearly indicated that it was XXXX XXXX who used my lost credit card for all transactions in XX/XX/XXXX. 

Despite a clear evidence of the invoice, Chase still sent me letter indicating I made the transaction. I am here to file a complaint against Chase for not handling fraudulent charge and report to CFPB to damage my credit score. 

Please remove all fraudulent charges on this lost credit card. 

Your sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

Way2Go Program card services are stealing money off of cards that the state of Alabama uses for child support. I have had {$2100.00} stolen from me in XXXX and have done everything the company told me to do to get my money back and have had no luck. Now the advocacy department will not return my messages. A lady left a voicemail but when I contact the number provided, you can not get a live representative on the phone, you can only leave a voicemail. They will not return my calls but sent me an email stating that they could not get in contact with me. This company is stealing money off of a lot of cards here in the state of Alabama and something needs to be done.
Consumer complaint received 2022-09-20
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: Mr. Cooper Group Inc. (GA)

The investigation report did not complete the complaint and/or likewise fix the credit reporting problem by Mr. Cooper for the 4th or 5th time asking to correct what should have never been reported with such erroneous information. This is a VA Mortgage. 

The credit report states 1 ) The credit report update will state " Paid In Full '' ; it does not state PAID IN FULL. The credit report has an additional information section added stating " Transferred or Sold and " Transfer/Sold/Paid ( From Activity Designator column of the credit report. This section should state " PAID IN FULL ''. 

2 ) The additional information added 180 Days or More Past Due, this should be REMOVED IMMEDIATELY. The account was in forbearance during this timeframe due to the Pandemic ( see CARES ACT ), and Mr. Cooper was notified accordingly. Please remove the ADDITIONAL INFORMATION Section on the credit report in its entirety immediately. 

3 ) I've attached a copy of the CANCELLATION OF DEED TO SECURE DEBT, STATING ONLY " PAID IN FULL ''. 

Please report this loan correctly to all CRA that was paid in full on XXXX.
Consumer complaint received 2024-10-28
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. (PA)

To my surprise, there were errors in my credit report when I checked it today, and I have no clue why. I always monitor my credit report, but suddenly these inaccuracies appeared. I tried refreshing the page, thinking it was a technical issue, but they didnt go away. Given this, Im asking for a thorough review of the documents I sent, so I wont have to worry about this again.
Consumer complaint received 2022-09-20
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-20
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: CREDIT ACCEPTANCE CORPORATION (SC)

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) name or social security number. Agencies fail to follow guidelines for handling disputes.
Consumer complaint received 2022-09-20
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  the following accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Last month of XXXX and XX/XX/2022 I made an investments to XXXX XXXX company of a total of {$9800.00}. This is their website XXXX XXXX XXXX. I used chase bank to XXXX the money. Right now, I want to withdraw my money but the company said that I need to pay a {$9500.00} withdrawal fee in order to process my request. I feel suspicious about these company and worried I got scammed. Please help me with this special matter. But, my concern is they told me to use XXXX to transfer money to them.