davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

To Whom It May Concern : I would like to file a complaint against Citibank regarding credit card dispute & charge back for a floor sample reclining sofa I purchased on XX/XX/XXXX for {$2000.00}. 
Upon delivery of the sofa, we discovered it was missing a part ( Cables for reclining function ) so we refused the delivery and had the  furniture sent back to the merchant. The merchant refused to resolve the issue and would not provide a refund so I opened a dispute case with my credit card company, Citibank, on XX/XX/XXXX, where I was provided a temporary credit on my account. On XX/XX/XXXX, Citibank sent me a letter stating the case was closed in my favor and the temporary credit will now be permanent. Then in XX/XX/XXXX, 6 months after the case was closed, Citibank sent me another letter stating the dispute case was closed in error and since the merchant would not provide the refund, the charge would have to go back onto my account. 
I am now without the merchandise and without a refund this experience has been a complete nightmare with Citibank. 
Citibank is not willing to help any further. It really doesn't make any sense that Citibank reversed their final decision made 6 months ago and charge again {$2000.00} with no consent was very unprofessional - Citibank knows I do not have merchandise and the furniture store was closed due to COVID.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My US Citizenship. Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2
Consumer complaint received 2020-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

In XX/XX/XXXX, I closed on my home and the original home loan provider was XXXX XXXX XXXX XXXX XXXX. This is a VA home loan escrow with a monthly mortgage payment of {$1200.00}. Shortly after closing, XXXX XXXX XXXX XXXX XXXX sold the loan to another loan provider named Mr. Cooper. My first mortgage payment was due in XX/XX/XXXX and since then, I have made my monthly payment at the start of each month. 

I do not use Mr. Cooper 's autopay feature. But rather I use my bank XXXX XXXX XXXX to initiate payments. Also, I do have an online access to my statements through Mr. Cooper but because my monthly mortgage payment was consistent thus far, I had no reason to access my account through Mr. Cooper. 

On or about XX/XX/XXXX, I received an email alert from XXXX  credit reporting company that a change in my credit was detected. That change is a 30 day late payment for XX/XX/XXXX loan payment for my mortgage through Mr. Cooper. 

I accessed my XXXX XXXX  account and confirmed a payment of {$1200.00} was sent at the beginning of XXXX XXXX well before 30 late payment date. This {$1200.00} was not returned. Because it has been several months since I had accessed my Mr. Cooper account, I did not remember my log on credentials to verify Mr. Cooper received my payment. Instead I spoke with a customer service representative and it was explained my escrow amount due had increased. Specifically, my property taxes increased by {$100.00} per month. 

This property tax increase was unknown to me. I did not receive any notification from Mr. Cooper by any means. I did not receive any notification from the city of XXXX, XX/XX/XXXX As a new homeowner, I never had any inclination of a tax increase. 

Mr. Cooper did not apply the XX/XX/XXXX payment of {$1200.00} to my home loan and did not inform me. Instead, it was kept into another account with that amount " suspended ''. Because my XX/XX/XXXX payment was not applied, this triggered a 30 day late payment on my XXXX  credit file. 

The customer service representative I spoke with stated that Mr. Cooper has a policy that if amount owed vs amount paid is {$100.00} or greater ( in my case {$100.00} ), they do not apply the loan payment thus triggering a 30 day late payment after XX/XX/XXXX. 

I had also made a {$1200.00} payment at the begging of XX/XX/XXXX. Because the credit reporting monitoring service alert came before XX/XX/XXXX, I was able to add an additional {$100.00} to my XXXX payment thus preventing a 30 day late payment for XX/XX/XXXX. I also paid the XX/XX/XXXX difference of {$100.00} at the same time with a {$200.00} one time payment. 

Currently, I am in good standing with my mortgage through Mr. Cooper. However, without a credit reporting monitoring service through XXXX  and their failure to inform me, the XXXX payment would have turned into 60 day late payment on XX/XX/XXXX 90 days late on XX/XX/XXXX, and so forth.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

Rocket Mortgage responded to an inquiry I made on a website where they advertised very attractive rates. Their sales agent, XXXX XXXX, contacted me, reviewed my goals and I provided him my credit score ( mid to high XXXX 's ). He indicated that with my income and XXXX my loan should be a slam dunk. 

I informed him that I was shopping and that it was important that he be accurate in his representations because I was aware that if he pulled my credit, it could harm me and cost me thousands of dollars if I were not approved, due to unfair Credit Bureau policies that punish consumers who shop between a couple of different mortgage companies. 

Because of XXXX 's indications of preapproval, I spent considerable time and effort with him, supplying him my documents and information required. He in turn refused to offer me any mortgage loan similar to what was advertised or similar to what we had discussed. No loan program was offered that would come close to meeting my needs ; Instead, he offered me a 60 % loan-to-value which was ridiculously low. This was contrary to prior indications : XXXX and his employer Rocket Mortgage " baited and switched '' me to an unattractive, expensive loan that would not meet my needs and which could be considered " predatory ''. This has caused me potentially permanent financial harm as they have lowered my credit score by pulling my credit without making a good faith effort to produce a reasonable loan product. 

I welcome legal inquiries to my personal email at XXXX XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX  account number XXXX In litigation for vehicle illegally repossessed constant harassment from collectors XXXX XXXX account XXXX Account isnt mine never authorized the account XXXX XXXX  account XXXX Never had account and it says account is XXXX XXXX XXXX but keeps getting sold to new collector All 9 inquiries are potentially fraudulent as I havent tried to use my credit in three years
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Credit Cards XX/XX/2021 TransUnion XXXX XXXX XXXX Credit Cards XX/XX/2021 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2023-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX  I was struggling to make my Wells Fargo Mortgage payments. I made extra payments each month to catch up. However, I didn't notice that Wells was putting the extra funds in my unapplied funds section. XXXX day I received a refund check for those funds, which was equivalent to XXXX mortgage payments. I went to my local branch the same day I receive the check to make the XXXX payments. The teller informed she could not accept the check because my home was in foreclosure. The only way she could accept the payment was if I could pay the full $ XXXX in foreclosure fees at that time. 

I had to file XXXX XXXX to stop the foreclosure, and payback the $ XXXX in foreclosure fees. At the time, I contacted a company that would help me pay my mortgage payments. I did not qualify for the program because I didn't meet their requirement, but I completed the interview process accordingly. The strangest thing is that company paid my mortgage for XXXX  months before they contacted me to sign a payment assistant agreement. Since I didn't meet the program qualification, I let it go and then filed XXXX XXXX. 

XXXX. Why didn't Wells Fargo notify me that I was going in foreclosure? I found out when I ran to the bank with my refund check. 
XXXX. Why did Wells accept mortgage payments from an outside party, but I could not make a payment without paying the $ XXXX first. 
XXXX. Why didn't Wells simply take the unapplied funds and apply the XXXX payment to my mortgage, instead of sending a refund check. 

No one ever contacted me from Wells Fargo to inform me that I was going into default! I learned when I went to the bank with the unapplied funds refund.
Consumer complaint received 2020-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (LA)

This company XXXX XXXX Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tally Technologies (NY)

XX/XX/2023 it has a Tally Technology credit card amount of {$3400.00} on my credit report. I dont have a Tally account nor did i receive any money from Tally. 
I was told the account is XXXX. I dont have a Tally account.
Consumer complaint received 2020-06-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TN)

I had a Chase business complete checking account with Chase that was closed last year. The account number was XXXX. I filed a claim to dispute an ACH payment that was made from that account. On XX/XX/2022 an ACH payment of {$35000.00} was made to XXXX XXXX XXXX to their Chase account number XXXX. The XXXX ID is XXXX. This company was a fraudulent company and has scammed me out of this and more money and never fulfilled the services at all for the {$35000.00}. I filed a fraud report with the FTC and California Attorney General and they informed me to contact Chase Bank immediately to help recover my money since it was sent through Chase ACH. I have lots of additional documentation of this company scamming me and others out of money. They have not responded to 20 plus attempts to communicate and rectify this situation, including XXXX  complaints and demand letters. This company has defrauded large amounts of individuals and the FTC and CA Attorney General are both aware and have stated that Chase could assist me in reversing this transaction. 
However, when i contacted Chase to open a claim I was told that they couldn't help me and to contact the merchant. Are you kidding me? Obviously I have already done this and they are not going to return it. The company 's account is with Chase Bank and Chase should be more than capable of taking this money back from their account with all the documentation I can show them. The FTC stated that they could do this but apparently they just want to turn a cold shoulder and allow their customers to be scammed and defrauded. Please do better for your clients Chase!
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I complained about a few charges not being correct on my credit card to the credit card company. They fixed one of them the other two they were working on but all the sudden they put my credit card ito {$0.00}. I've never used my credit card down that low before. Capital One put on there the {$0.00}. I've asked him multiple times to correct it they keep dragging their feet and now I'm paying for it because it shows that I am 70 % of my credit rating because I haven't paid my credit card off because they're not giving me the right numbers due to the investigations going on. It's been about a month and they still have not corrected the amount on my card. I've asked multiple supervisors to fix this I've called multiple times it seems like they're dragging their feet they don't want to correct it so I'm paying with for it showing that I have bad credit on my credit report because I'm full on that card which is not true. Every month I've paid that credit card in full up until now they're the reason why I'm not paying it off because I don't know where I'm at. It's not fair for them to report to the credit bureau that I'm XXXX 70 % up on my credit card I wouldn't be there if they'd give me the proper denomination of where I'm at on my balance. It almost feels like they're stealing money from me. I would like this corrected immediately I can't keep making phone calls I'm getting stressed out I'm a XXXX vet. They're treating a XXXX vet like I'm a homeless guy. Please have somebody fix this.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (IL)

XXXX placed a permanent limitation on my account and kept all of personal information including my credit card accounts and banking information. There were purchases made through the account that I longer have access to in where merchants charged me for merchandise I don't have possession of and I am unable to dispute the transactions. These charges are a result of identity theft and I request that all the information be removed and blocked from the furnisher. 



The credit bureaus are in violation of the clear provisions of FCRA 605B ( c ) The  information should of been blocked within 4 days
Consumer complaint received 2023-03-28
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. (GA)

I see that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$640.00}
Consumer complaint received 2023-03-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received an email on XX/XX/2020 stating I owed an outstanding balance of XXXX ( higher than actual amount owed ) and that the 'law firm would settle for XXXX '. Then stated if I do not respond to the email in 72 hours they would, garnish my wages, contact my employer and ftc. 

I responded back by asking for a debt validation & what kind of payment plans they offer. They stated it was from ACE loan online and I could pay a one time payment of XXXX paid in full by friday XX/XX/2020. I again asked for debt validation and I received a response saying I could pay {$850.00} today or 2 'payment of XXXX from today.. ' and " if you are looking for the payment arrangement then you can pay in five installment of {$280.00}, kindly update us the date from which you can start making payment. Do revert ASAP '' I again asked for debt validation then received an email addressed to XXXX XXXX stating if he wanted to pay his debt he had to get a vanilla prepaid card and load the funds onto that card and email it to the law firm. 

Becoming suspicious I again asked for debt validation, and I received an email stating that once the payment will go through they will close the case file and provide a receipt stating paid in full. 

I then emailed them stating I would not reply to any form of communication if I did not get a physical copy of debt validation. I stated I would be reporting them to the FTC, XXXX  and the CFPB. 

I then received the following email " We're Sorry! We cant disclose if you want to see documents then you need to help me out with your attorneys information and once documents have handed over to your attorney then NO PAYMENT PLAN will be given to you. After that willing or not you need to fight these things into your local county courthouse. we're not denying that you will not get anything once your file has been submitted for garnishment then we will manage to send soft copies of your documents at your physical address but at this point, there is no way to help you with Date 's and Time. Do revert ASAP Thanks & Regards XXXX XXXX XXXX XXXX '' I responded by stating that their email was reported as a scam to extort money from induviduals and I was forwarding it to the places I stated in previous emails. I then told them if anyone would garnish my wages or attempted to access my bank account that I would close it and put a stop payment. and since they are not validating the debt I have no reason to believe anything stated in the emails. They have refused to validate the debt.