davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

On XXXX I made an extraordinary payment of $ XXXX.- from XXXX XXXX XXXX to Citimortgage bank On XXXX I made a regular payment of $ XXXX.- from XXXX XXXX account to Citimortgage bank These payments never showed up in the statements. Around the same time Citimortgage passed the loan to XXXX for servicing the loan. 
In order to solve this matter we talked to XXXX XXXX and they talked to Citimortgage and Citimortgage said that I have to talk to them, witch I tried several times ( about 15 times ) and was impossible to contact Citimortgage, they always send me to XXXX, and XXXX said that this problem is Citimortgage to solve, and again was not possible to talk to them. I want this problem to be solve and to the money to be deposit to XXXX XXXX account. Please help me in this matter
Consumer complaint received 2019-07-08
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 (CA)

On or about XX/XX/19, I noticed two transactions I did not authorized in total amount of {$720.00}. I was checking my transaction history on the website and noticed these charges. I immediately called the company. It was very difficult trying to get a live representative on the line. I made my dispute with the card company and told them that i didnt know where the card was at. I do not carry the card with me all the time as it is a child support card that child support is loaded onto. I was driving at the time of the call and wanted to make sure the card was not at my home. I was unsure if I had lost it, or misplaced it. I dont use the card often and didnt want to make a mistake. My main concern was that I just had {$700.00} stolen and charged to my account. I saved that money for my daughter. I am requested that someone look into this situation and maybe come to a resolution. I did not authorized those transactions. I am no longer able to access the website transaction history as well. Hopefully, California XXXX and Mastercard can make this right. 

Sincerely, XXXX XXXX XXXX Cell
Consumer complaint received 2019-07-08
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: Applied Business Services, Inc. (TX)

Ive had a charge off with XXXX Bank credit card thats been on my credit report since XXXX. Problem is, not  only do I not know how this account got on my report, but neither does Applied! Yet it remains there. Finally, today, fed up with the negative mark on my credit reports, I decided to give it another shot and call them. Ive already disputed this with the credit bureaus several times, but each time this company validated that the information they reported was correct. I asked today l, XX/XX/XXXX how much it would cost to just pay them to get rid of this, even though I truly believe its fraud. They were actually super nice and friendly, but after talking to the higher ups in the company, they said they couldnt accept a dime from me because they have NO record of me ever having an account with them. Thered be no way to apply it to my account because there is none! I asked them so if it actually were my debt and I wanted to pay it, how would I? They stated that I couldnt have. That thered be no way for them to accept money from someone theyve got no record of owing them. I then asked the woman, XXXX, ok, well then what is it youve been using to verify my account when you reply to the disputes XXXX   keeps sending you? She stated that it wouldnt be possible for them to verify something that doesnt exist in their system. I then asked is it possible this mystery debt was sold to a collection agency? She stated that they only do in house collections, and that even if it were sent to an outside collector, they never get rid of that information. So naturally, my last question was well can you remove it from my credit file? She stated that shed love to since clearly this is affecting me XXXX and my ability to purchase a house as the lender requires it to me removed, even if I must pay a debt that isnt mine. ) she stated unfortunately, shes not able to reach out to the bureaus and ask them to remove something she cant locate, and that my only course of action would be to dispute it again. Ive done this. At least 3-4 times with no success. I then called Experian, the XXXX reporting these bogus charges. They said the same thing, the only way to remove is to dispute it. I can not have any open disputes while purchasing my home. Its my first home and Ive got a family of XXXX to care for. Im now stuck with a horrible mark on my credit that no amount of money could even help, because I do not exist in this companies system, yet they continue to report it, and XXXX   continues to allow it. Yet my family gets to suffer the consequences of this clear case of fraud. All possible reports pertaining to this have been filed. I await a swift response so I can proceed with my home purchase.
Consumer complaint received 2019-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (FL)

Quality Asset Recovery reported that owed three amounts {$980.00}, {$960.00} and {$940.00} for medical bills for XXXX XXXX XXXX service to the Credit Bureau that caused my credit score to drop. These bills have been paid.
Consumer complaint received 2019-07-08
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: EQUIFAX, INC. (NM)

After 2 requests Equifax hasn't provided me with my Annual Credit Report. Details of the problem are in my XXXX e-mail to Equifax CEO, XXXX XXXX. >>>CFPB- If the file hasn't gone through then I need an e-mail address, so I can provide this communication to the Complaint<<<
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Today XX/XX/2019, I received information from TransUnion regarding my dispute that I mailed to TransUnion on XX/XX/2019, showing that they completed an investigation of my disputed items reporting on my credit report. Transunion letter is dated XX/XX/2019, which is impossible for TransUnion to have received my dispute letter via U.S. Postal regular mailing and have completed an investigation. I have been disputing Bankruptcies chapter XXXX and XXXX XXXX, and XXXX reporting on my credit file. My recent dispute, I asked for Method of Verification original documents from the furnisher that has my complete name, social security number, date of birth, and my dated signature. Transunion has failed to provide me with any documentation. I also stated that XXXX XXXX system would not be acceptable. I provided them with US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE XXXX, TN letter from court. Third party vendors can not be used as verification of an accurate reporting. Per FCRA, TransUnion must provide me original documentation with my name, social security number, dated signature, and date of birth.
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NC)

Security Credit Svcs recently reported a {$1400.00} collection account on my credit report. They are stating that the original creditor is a company called XXXX XXXX. I have never heard of this company, much less had an account with them. Needless to say, I have made Security Credit Svcs aware of this, but they refuse to take it off of my report. When I last spoke with their reps, they said I should dispute the account with XXXX, XXXX, and XXXX XXXX. They said that if the account was not mine, it would be deleted. Well, I did that ; and the account is still reporting on my credit file.
Consumer complaint received 2019-07-08
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: Radius Global Solutions LLC (GA)

RADIUS GLOBAL SOLUTIONS {$58.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2019-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (OH)

Im in the XXXX, I got this car for 21 % arp, which the Finance guy at the dealership said I would be able to refinance in 6 months. Listening to my brother I was fine with bitting the bullet for 6 months with a payment of {$440.00} each month. The dealership didnt have in my packet that I was XXXX XXXX so this I got the loan off of for XXXX for my car was charging at 21 % which one day I was told they didnt even have In my loan that I was XXXX and if I gave them my XXXX XXXX orders that I Would qualify for lower interest rates. Since months go by I try to put in a request and receive nothing back from them in the mail or email. Calling them about 2 times every week to see if there is any progress with and after about 4 months of going back and fourth Im done paying and I want my payment lowered this company keeps giving me the run around Im done
Consumer complaint received 2019-07-08
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. (GA)

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX  and XXXX XXXX XXXX.
Consumer complaint received 2024-10-08
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. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

WIth my first CFPB dispute against Capital One, they did fix the initial issue, only to go back and violate more FCRA codes. 

They removed the false remark only to add it back a couple of days later, which is in direct violation of 15 USC 1681 ( i ) ( B ) ( ii ). A written notice of reinsertion must be given no later than 5 days after the reinsertion. Please remove and update this information in compliance with the FCRA to meet the demands and accurate reporting of the consumer. 

so now this has been added to the list of the other laws that have been broken/infringed upon : 1.I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 2.False Claims Act ( FCA ) 31 U.S.C 3729-3733.

3.18 U.S.C 894 for using consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. 
4.I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A This has caused me more mental and financial distress. This will be the final time attempting to fix this issue with them before going to the FTC and starting the proper legal steps to recoup damages.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (TX)

In XX/XX/year> after failed attempts to rectify the issue with oneMain Financial ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, OneMain agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was delinquent/90 days past due. 

They had fixed one of three bureaus only. The other two ( XXXX & XXXX ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, OneMain has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).
Consumer complaint received 2019-07-08
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. (GA)

XXXX XXXX XXXX  Reported : XX/XX/2019 + {$81.00} Needs Attention XXXX XXXX XXXX  {$880.00} XXXX XXXX {$230.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$84.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2019-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

I am unable to withdraw funds from my Coinbase. I am not able to send money for the service that I needed to pay for with BTC, because my available balance shows $ XXXX/ {$200.00}. Since I was unable to send this money right away, I wanted to pull it out and place it back in my bank account. Coinbase says they are to hold my funds for at least 6-7 days. This is an isSue because I now will come up short on my rent as I needed to pay for this service through XXXX. This is illegal and terrible business practice. What right does coinbase have to withhold my hard earned money? How can they legally not allow me to access my funds especially after their service is useless to me currently due to the fact that I can not even send money to other wallets. I am extremely worried that I may face a hefty penalty for paying my rent late. I have emailed them twice and called numerous times. I got no help in the email response, and nobody to pick up the phone. I am finally writing yet another complaint that hopefully resolves this shady business practice.Thats the whole point of a currency, its to create an exchange market for transactions. Coinbase is preventing me from doing anything but buying more crypto in my account. I have a fully verified level 3 account. I have never heard of any company being legally allowed to stop you from closing your account and receiving the funds within it.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

My bank, XXXX/XXXX, pulled a credit report from XXXX. On it were records from the three known agencies ( XXXX, XXXX, and XXXX ), which I monitor faithfully. It also included, however, a report from Lexis/Nexis ( I had no idea they were in this business. It contained incorrect public information ( a tax lien ) which I had removed from the other three sites. Lexis/Nexis provides no way to get your report online, nor to challenge online. It is all done via phone and mail, and the process is very opaque. You need to click through several screens to even get to some semblance of help. My bank is trying, with XXXX, to fix the problem. For consumers this is a nightmare. My guess is that 99.9 % of consumers have no idea that there are other " agencies '' reporting and monitoring their credit. 

I contacted Lexis/Nexis on XX/XX/19. The resolution will take up to 30 days and I had to push to get them to explain their process. I also sent them the page from my county collector ( XXXX County, IL ) to verify that there is no public record.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (CO)

Upon viewing the citibank promotion in XX/XX/2017 I was meticulous about performing each requirement within the time frame stated. I called customer service to insure that I was clear about & had read the fine print accurately. 
The requirements were : Open a new regular checking account by XX/XX/17 Satisfied. 

The promotion required that a $ XXXX deposit stay in account for 30 days. 
Satisfied Within 45 days of account opening initiate one direct deposit or perform {$250.00} amount of purchases with citibank debit card. 

( Citibank 's own materials state : your account is opened after 4 simple steps : ) 1 ) tell us about yourself 2 ) signature that agrees to terms/disclosures 3 ) verify identity 4 ) fund your account.

It states the 4 steps necessary to open an account ; in my case all 4 were not satisfied until XX/XX/17 thus making XX/XX/17 the day of my account opening. 

By XX/XX/XXXX I had fulfilled making the {$250.00} debit card purchases, which was within 45 days of my account opening on XX/XX/17. 

The problem is Citibank is saying the debit transactions were not made in time- ( 45 days from account opening but they were ) My first contact with Citibank was in a phone call on XX/XX/2017 ; after the fact they are saying the debit transactions were needed to have been made 45 days from that date. But the promotion says 45 days from account opening and Citibank 's own materials say an account opening happens after you do 4 steps one of which is to fund your account- which wasn't done on XX/XX/XXXX- it was done on XX/XX/XXXX ; therefore making XX/XX/XXXX my account opening & debit transactions were successfully performed 45 days from XX/XX/XXXX.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX19 Capital One closed my account. I had a XXXX credit line. They are not giving me a specific reason for the closure. I was never late and I pay the bills way ahead of time. I've trying to get the account reopen as I use it mostly for my business. I can't get anyone to return my phone calls. Every time I call I'm directed to a voice mail and nobody calls me back. There is nothing wrong with my credit and I never did anything wrong with this account. In addition I'm owed about {$500.00} in cash back which they haven't credit my account. Please help me