davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX. XXXX Account XXXX : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it immediately. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OH)

Card issuer decreased my limit randomly on XXXX XXXX. No notice or explanation from {$1500.00} to {$250.00}. No late payment or defaults on account. Spoke with supervisor who stated a review of XXXX was the reason. XXXX is my highest score. I have been working on improving my credit files while obtaining a mortgage loan. My file is currently in underwriting and all accounts are in good standing with usage less than 10 %. As a result of the sudden, drastic decrease in my limit my usage increased dramatically relative to my balance. This affects my credit score and overall file. It could result in a higher interest rate or difficulty in closing on my home. I was never notified of random limit reductions, nor have I experienced this with any other credit issuers. The card is issued through Synchrony Bank/Value City Furniture. Is this legal/ethical for a company to periodically change terms of credit without notice? Especially during the pandemic! I have been working extremely hard to preserve my credit worthiness and meet my responsibilities and obligations. This is extremely counterproductive and negatively impacts my life and livelihood, both unfairly and unjust.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (VA)

I contacted EOS by phone in XX/XX/2020 and agreed to settle the debt in full if the collections company agreed to have the derogatory information removed from my credit reports. The collections agent agreed to have the account removed from my credit report within 5-10 business days after I paid the debt. The account remains on my credit report and I have attempted to have it removed as agreed upon but the company is now refusing to comply with my request.
Consumer complaint received 2021-01-05
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: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Citibank is leaving online account users and accounts vulnerable by now allowing you to access account just by pressing the application button, revealing balance information and requesting password only after you attempt to check history or unlock card .... 

If someone is able to bypass my phone password or finds my phone un locked they will have the foundations on my finacial information. They will visibly see I have an active account, my current balance, and if my card is locked or open. Not sure if this application is now set to recognize IP ADDRESSES of the phone most commonly used or somewhere IT CONNECTION but it is a financial vulnerability nomatter if it recognizes the phone user. 

I thought the issue would correct itself being that they always have application issues but it's been over 2 weeks now so it shows me that this if not already problem for clients and a open door for scammers to take advantage of our information and finances it will inevitably become a breach.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have fallen way behind on my mortgage due to financial hardship, medical hardship, and poor planning on my part. I am attempting to bring account current and recently offered a payment of 6 months by wire of over XXXX dollars and accompanied it with a letter stating a plan to pay additional XXXX dollars within another six weeks. They rejected the wire and sent the funds. Since XXXX  I have been laid off and took XXXX pay cut. I had to care for mother in law in illness and was working hourly at the time which cut my hours. My wife had an accident and required XXXX XXXX and bed rest for over 6 months. Her XXXX payments were less than half her salary for several months. My daughter then had a car accident that required XXXX and more time off for me while working hourly. In addition of my daughter has had XXXX XXXX XXXX XXXX These have presented significant hard ships. I have not effectively communicated due to my own XXXX of XXXX XXXXXXXX and XXXX  that have also required XXXX XXXX. I Have the ability to get them most of if not all the past due in a XXXX week period. They are not willing to work with me. I am hoping that the CFPB can assist me in this situation.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I carried out 2 online charges one after the other using my CITIBANK DEBITCASH CARD. One charge totaled XXXX and the other totaled XXXX. My balance was checked before the charges were made and I confirmed after the 2 transactions that the money was removed from my account being that I have no pending charges accept a XXXX my account balance was stable. When I got my deposit my balance rose to XXXX which would be correct if I had XXXX and my a my check was XXXX. I check my balance today and now there is XXXX dollars missing leaving my correct balance negatively reflected when the money for both charges VIA DEBIT CASH was already taken from my account. I would like to recieve my XXXX for my CITIBANK ACC XXXX, I also notice that they settle finances in the middle of the night and also wait till Friday to settle pending charges which is conflicting being that people should be able to check and balance employment deposits without interference of deceptive banking practices.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I've had two Chase Bank Credit cards closed without my knowledge until I got an alert from XXXX XXXX that they were closed. They recently closed my oldest held credit card and are closing another to which they say they can't reverse now.
Consumer complaint received 2024-11-18
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: SLM CORPORATION (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2020-07-07
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. (MN)

FRAUDULENT APPLICATIONS MAY BE  SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-11-20
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. (VA)

On XX/XX/XXXX, I used my Citi Double Cash card to purchase some HVAC work in my home. The charge was {$860.00}. This was a valid charge ; however, as time moved on, and I went to pay my account for the month, I did not recognize this charge. When I googled the phone number on the charge and the company name that showed up, I could not find anything, so I thought that this charge was false and needed to be disputed. When I disputed the charge, Citi credited me the item on the account while they investigated. Two days after this, the company that completed the HVAC work called me to ask why the charge was being reversed. This was when I realized the charge was legitimate, and I had made a mistake. I told him to give me a week or so, and I would attempt to contact Citi to get the charge placed back through. After literally hours of attempting to get the right person on the phone at Citi, I finally got someone who told me that would be taken care of and the charge would go through. However, several days later, working with the HVAC company, they told me they still never got the {$860.00} from Citi and that I needed to pay again. Therefore, I used another credit card ( XXXX attached below ) to complete the transaction. 

This would all have been fine until I saw that Citi charged me {$860.00} two times on my statement on XX/XX/30 and only one credit ( see Citi Double Cash below ). I called Citi Friday, XX/XX/XXXX, in an attempt to rectify the situation. I was transferred between 3 representatives and on hold half that time, and once I got to the third, I was hung up on. 

At the very least, I should be allowed to dispute the {$860.00} charge that was not refunded. 
But, the Citi app and online access will not allow me to, it directs me to call Citi which I did. I can't afford to spend more time with Citi attempting to resolve this so I expect this to be rectified by Citi through the CFPB to avoid a small claims/legal route.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. There are numerous accounts on my report that I did not open. This has negatively impacted me as I am in the process of making significant purchases. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I've been trying to unfreeze my Equifax account but is unable to do so online or via phone. I have my credit frozen due to Identity theft and these companies inability to secure information. I've always been able to do this online or via phone but for a couple of months now, I am unable to unfreeze my account either way. 
XXXX, XXXX it tells me to call XXXX to be able to log in. I've been logging in for years with no issue. I have then called at least XXXX times but each time, they have a different excuse from the database is being updated, please call again or I'm transferred to multiple people. No one could figure it out. I then called again today and talked to XXXX who said he can't find my account even after I verified all my information from my SS #, address, DOB, etc and he now wants me to send a copy of my ID, etc since he can't find my account in their database. I asked if the information to verify my account is available online but he said he can just tell where to send to this info. I explained that I need to check online and do just send a copy of any of personal information anywhere especially after being a victim of Identity thefts. 
I could really use some help since I'm at my frustrated on how to get this credit reporting agency to get their act together. I am unable to unfreeze my account and obtain credit. 

Thank you.
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ID)

On XX/XX/2020 I received a message in my Venmo app for what appeared to be a money request from my wife XXXX XXXX. What it really was, was a scammer who had cloned her account and had me send them money pretending to be my wife. Once discovered, minutes to an hour later, it was brought to the attention of Venmo customer service. Buy this time the scammer deleted the profile pic and changed their name to XXXX XXXX. They said that it was essentially my fault. That even though this person had copied everything from her picture down to the name that I was supposed to know that I was being scammed on my own. They offer no refund or resolution of any type other than I need to be more careful next time. I find it hard to believe that a site that is linked to so many peoples bank accounts and private information that they are allowed such complacency in fraud. Venmo harbors these criminals and takes absolutely no steps to resolve the fraud once its occurred. Their site is completely unsafe and if they charge a fee when you withdraw your money, one would be reasonable to think that money should be put towards protecting the consumer when fraud occurs. I realize I likely lost my money forever that day, that is not why I am writing this. I am writing it because there are likely thousands more like me that were scammed and Venmo takes no steps to correct or protect their consumers.
Consumer complaint received 2020-11-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent letters to the credit bureaus because I have inquiries that I didn't authorized,, and negative accounts that should not be on my credit report. i want to open an investigation about my case and solve my problem.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX Is charging me for items that were returned and I need proof of the contract and proof those items were removed off my credit report Subject : Dispute of Charges for Returned Items and Request for Proof of Contract and Credit Report Update Dear XXXX Customer Support, I am writing to formally dispute charges on my XXXX account related to items that I have already returned. The details of the returned items are as follows : Item ( s ) Description : [ Describe the items, including product numbers or serial numbers if possible ] Date of Return : [ Insert the date you returned the items ] Return Method : [ In-store or via mail with tracking number ] Tracking Number/Return Receipt Number : [ If applicable, insert tracking information ] Despite returning these items, I have noticed that XXXX is still charging me for them. I request immediate action to resolve the following : Proof of Contract : Please provide me with a copy of the original contract or agreement that outlines the terms of purchase, return, and associated charges. 
Confirmation of Return and Removal of Charges : I request written confirmation that these items were received and that any related charges have been removed from my account. 
Update My Credit Report : I have noticed that these erroneous charges may have been reported to the credit bureaus, impacting my credit score. Please take immediate steps to correct this and ensure that these charges are removed from all three major credit bureaus ( Experian, XXXX, and XXXX ). 
I expect this issue to be resolved promptly. If these charges are not removed from my account and my credit report updated, I will be forced to escalate this matter by filing formal disputes with the credit bureaus and relevant consumer protection agencies. 

Please confirm receipt of this letter and provide a timeline for when the corrections will be made. I look forward to your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

We applied for a mortgage refinance on XX/XX/XXXX with that application submitted on XX/XX/XXXX. Upon submitting our application we also supplied our bank statements, paystubs, income tax return, and homeowners insurance information. We were initially informed that closing would most likely occur between 60-90 days from the application. At which time we scheduled and payed for a home appraisal. 

We reached out for an update on XX/XX/2020 as to our closing date and were ignored on numerous occasions. Upon continuous attempts at successful contact, on XX/XX/XXXX we were informed that our submitted documents were never submitted to underwriting. We resubmit our documents promptly and were then given a new closing date of mid XXXX. On XX/XX/XXXX we were informed that letters of explanation for late payments were required and therefore we were removed from underwriting and needed to start the underwriting process all over again. 

From this point our closing date has continued to be pushed back further into the year. We have expressed our concerns regarding the process on numerous occasions and were informed that as of today XX/XX/2020, the underwriters havent reviewed our documents.