davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (WA)

On XX/XX/2021 I made an online purchase for {$2400.00}. This transaction was for merchandise that was supposed to be delivered to me with a signature confirmation and I have not received any merchandise from the merchant. Not even a tracking number. I've attempted to contact the merchant and the merchant will not respond by phone nor email. They've not given me any information regarding the status of the order, will not return my calls or emails and intend to run off with my money. I filed an initial dispute with Citi Bank and received a denial letter dated XX/XX/2021 stating that Citi did not receive the necessary information from me concerning this dispute. Ive called Citi Bank and confirmed that my letter regarding this dispute was received on XX/XX/2021 and it satisfied every condition that was required of me, yet I was still denied for reasons unknown. The customer service agents that I spoke to couldn't tell me why I was denied and agreed that I did in fact complete every requirement asked of me. Ive attempted to file an appeal but I was told that it's not possible to speak to their investigations team. You can only speak to the dispute department that'll recommend you send a fax or email that'll be received by the investigations team and then that letter will be posted to your account in seven business days. I cant seem to receive a proper response or help from Citi. No updates on the dispute in the app, no phone calls. Just a letter of denial after satisfying all of their requirements. My dispute was ignored and never investigated by Citi. I've never had difficulty with any other bank handling a dispute or unauthorized transaction before.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

HI Comenity Bank ; : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  XXXX XXXX and one of big 3 has broken state and federal laws concerning fraud on XXXX credit card from XXXX. The other 2 earased but XXXX  blocks me from getting on site even as paying customer. Then they have 6 hard inquiereys that they want take off. Also latee payments were not done by FAIR CREDIT REPORTING SECTION 604, 609, 611 AND 623. THESE FOREIGN WORKERS DO NOT DO ANY AMERICAN LAWS WHEN THEY FAKE PUTTING IN DISPUTES. I WANT XXXX FOR XXXX XXXX DOLLARS OFF ACCOUNT AND THEN THEY HAVE ME BEING LATE ON OTHER XXXX CARD AND NEVER LATE. 6 HARD INQUIEREYS WERE NEVER LOOKED AT. SO MANY ISSUES. EVERY BAD ISSUE SHOULD BE STRICKEN FROM MY FILE BECAUSE THAT IS LIKE 2 OTHERS THAT FOLLOW THE FCRA.
Consumer complaint received 2021-06-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (KY)

This complaint is related to my XXXX XXXX ( CD ) with Wells Fargo. I contacted them on XX/XX/2021 via telephone to close out my CD account. I was told this is not something we can do over the phone that I would have to go into a branch office. I told them we don't have a branch office in my town and the account was opened online and I should be able to close it over the phone. They then told me I would have to send in a notarized request to close the account. I asked if it was okay to notarize the request myself since I'm a XXXX and they confirmed it would be okay. On XX/XX/2021 I contacted them to see what the status of my request was. They didn't have any information for me but did tell me that in order to close the account I would have to send a written and notarized request which should also include the affirmation that I was aware and acknowledged there would be an interest penalty. I asked if I could file a formal complaint because the two people I talked to before had not informed me of that. In the meantime I was able to download a preprinted request to close my account. I filled it out and had it notarized and sent it again today. Additionally I initialed the form acknowledging I was aware of the interest penalty. Today, XX/XX/2021 I received a letter stating that I had to resend my request and have it notarized. Additionally they wanted me to call and confirm my identity. After talking to two people yesterday neither one of them asked me to confirm my identity! I'm tired of the run around and just want to close my account out~ I am a senior citizen and I feel that I've been given much wrong information and I want others to refrain from putting money in a Wells Fargo CD XXXX  account. I'm attaching the original letter sent on XX/XX/2021 and the second letter sent on XX/XX/2021 and the follow-up letter received from them on XX/XX/2021
Consumer complaint received 2021-06-22
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: Navient Solutions, LLC. (GA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

I paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MA)

HI Security Credit Services ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (ME)

In early XXXX of XXXX my husband filled out an application for a VA loan refinance mortgage at the local TD Bank branch where he does business. I am at XXXX veteran. I served in the XXXX XXXX XXXX XXXX  from XXXX - XXXX. After complying with all of TD Bank 's document requests, they had given us a tentative closing date of XX/XX/XXXX. As the date approached, I was in contact with the lender the week before because I was planning a trip to California on XX/XX/XXXX and would not be back until XX/XX/XXXX. I wanted to make sure that we would be closing on the XXXX. The lending officer assured me that things were going along and that I shouldn't worry because our rate was locked until XX/XX/XXXX. Here we are XX/XX/XXXX and we still have not closed on the loan. I have complained several times to the loan officer that this process was taking an exceptionally long time. She requested more information about my job history TODAY, the day our rate lock expired. She said she extended the rate lock for an additional 15 days. I asked her why she didn't ask for clarification on my work history last month. She said the underwriter just requested it. I told her I did not okay a rate lock and would not Okay one without a firm closing date. She said it can take hours for the underwriter to review the loan information, which they now have had for 4 months. 
During this process, sometime in XXXX my husband received an email asking him to explain about the property he owns in NJ. He does not own property in NJ. The bank mistakenly uploaded another clients information into our portal. My husband was able to see the man 's name and the property he owned. TD Bank pushed it off as if it wasn't an issue. 
I told her I would be filing a complaint about the handling of this loan.
Consumer complaint received 2021-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have notified the three bureaus that I have been a victim of identity theft but they continue to report this account from XXXX XXXX XXXX and inquiries from companies that I have never applied to or received anything from. I don't understand how they can report this and this was all done " Fraudulently. ''
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (CO)

On XX/XX/2021 my wife and I looked on XXXX to search for the best rate on a jumbo loan refi. We both have excellent credit scores and the XXXX on our proposed loan is about 50 %. 

As per the attachments, Ally Bank CorpXXXX listed a jumbo loan offering on XXXX with an APR of 2.577 % for our loan and a monthly P & I payment of {$2300.00} per month, assuming a credit score above XXXX. Based on this information, we spent over an hour filling out Ally 's application. 

We then received a Loan Estimate with an APR of 4.147 % and a monthly payment of {$2800.00}. Page 5 of the LE cites " New Information unknown at time of original LE '' as the reason for the change. This is false as our credit scores and loan values are even higher than listed. 

This is a blatant example of " bait and switch '' by the lender and they should be sanctioned for it. I am certain that I am not the only borrower who has wasted their time filling out a loan application with Ally, only to have a dramatic increase in the APR at the end of the process.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (WA)

I am over XXXX years old and have been receiving unwanted calls from different numbers. I have been suffering from XXXX XXXX XXXX and these unwanted calls affect me very much. On XX/XX/XXXX at XXXX XXXX, ( XXXX XXXX XXXX - said this agency wants me to enroll on Forgiveness Program. I never loaned to go to any school in my life. The agent asked me to call a toll free number XXXX to complete my " file ''. On XXXX XXXX  of XX/XX/XXXX, another number XXXX XXXX XXXX XXXX left a message on XX/XX/XXXX saying that I should reach their office so they can take a necessary action about a proceeding case and the deployment # XXXX. A robocall ( XXXX XXXX XXXX left a message on XX/XX/XXXX at XXXX XXXX  only saying " Hello, this is XXXX with the finance '', and kept repeating. On XX/XX/XXXX at XXXX XXXX, this phone numbers ( XXXX XXXX XXXX left a message about student loan that I never borrowed, left a toll free numbers ( XXXX XXXX XXXX. Prior, the same person called and left a message on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX, agent with direct phone number XXXX XXXX XXXX XXXX left a message about " federal student loan repayment ''. Again, I did not borrow or file for a student loan. There were occasions that I looked for online classes because of " work source '' website but I did not apply for a student loan and I didn't pursue any online class at all. Thank you for the investigation.
Consumer complaint received 2021-06-22
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: CURO Intermediate Holdings (CA)

XXXX XXXX notified me of an inquiry on my XXXX  credit report. When I contacted XXXX  on XX/XX/2021 dispute this error, they closed the dispute within twelve hours, responding that it was a factual record of file access. 

I had informed XXXX that I never authorized a credit report " pull '' to Curo XXXX XXXX, ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) nor have I authorized Any company to pull my credit in the last 180 days. They chose to ignore my pleas that this access is fraudulent and my concerns that it will be used to commit fraud that may cause monetary damage to me. 

XXXX  has offered to sell me a product that notifies my by text message for $ XXXX/month as a remedy to this dispute. I need the CFPB 's assistance to remedy this issue and prevent this from happening to other consumers. 

I have also contacted Curo XXXX XXXX  but there is no way to get a hold of a human being so I left a message. 

Please help!!!
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (MO)

Some time before XX/XX/2021 I activated a cashback offer from XXXX XXXX that would grant 20 % cashback on purchases over {$50.00}. The offer was set to expire XX/XX/2021. 
I received a notification sometime between XX/XX/2021 and XX/XX/2021 stating that my offer was about to expire, and made a note to myself to shop for glasses and contacts. 

On XX/XX/2021 I made XXXX purchases to to XXXX XXXX in the amounts of {$5.00}, {$100.00} and {$38.00}. The receipts all show the transaction as paid on XX/XX/2021, The processing of the transactions show as cleared on XX/XX/2021. I expected a cashback of {$20.00} to reflect in my account. 

On XX/XX/2021 while skimming through new offers in the GPay app I noticed another XXXX XXXX offer and activated it. Then went to check on the status of the cashback for the previous offer. It was not there. I attempted to contact support through the app several times over the next few days, and I was not successful. 

On XXXX I was able to get a hold of support via the browser, TO which I feel like I have gotten the run around. They have told me that there wasn't a XXXX XXXX offer then. I responded showing it listed as an offer in XXXX. https : XXXX # The_Offer They then told me that I activated it on XX/XX/XXXX. I reiterated that I activated a separate second offer on that date. and that I was looking for help with the offer that expired on XX/XX/2021, not the one expiring on XX/XX/2021. And I referred back to the fact that I got a notification for the expiring offer and to the link showing the offer listed in XXXX showing the expiration of XX/XX/2021. 
I then asked for a list of all offer that I had activated in the past, they pointed me to the list of currently activated offers I reiterated that I wanted to see all the offers I had previously activated not just the ones that are currently active. 
I asked for a transcript of the chat conversation to be sent, it was not and I can't attach it.
Consumer complaint received 2022-05-26
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED, IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
Consumer complaint received 2021-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion lowered my credit score after paying down my credit cards from 112 percent usage to under 33 percent usage, which should have raised my credit score by 29 points, instead on XX/XX/2021 they lowered it by XXXX points, On XX/XX/2021 when I called to find out why I was told to file a dispute online so that they can look into why this happened, and someone would get back with me in 14 days, when I called today I was told that they could not correct any issues because I had filed a dispute on XX/XX/XXXX, I told them to cancel the dispute, they said it has been more than 14 days since it was filed and they can not that I must wait up to 30 days for the dispute to end so they can update my account. this was a set up to freeze my credit score.