davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENTAGON FEDERAL CREDIT UNION (AP)

I recently obtained a mortgage with PenFed end of XX/XX/year>. In XXXX we thought we had set up auto pay to start with the XXXX payment. In XXXX I received an alert saying I was 30 days late from XXXX XXXX. We called in to find out why payment did not pull and were told we did not set up autopay. At this time my husband requested this be looked into and we made the payments to bring account current. He did not receive a call back so I then called in. I let the person know we have not received any statements. It has been confirmed the address in the loan system was set up wrong. The closing paperwork did have a correct mailing address that we were using. In addition we were told that PenFed did try to call but did NOT leave voicemail messages so we had no idea that there was an issue. The number that they call from does not indicate PenFed so we had no idea they were calling or it would have alerted me to an issue. In addition they indicated they did not have my contact number which I find strange since I can see it on the final application paperwork. Customer Service is now saying on XXXX we made a 1 time payment and then setup auto pay and then deleted autopay at the same time which does not seem correct or was an system error. If we had received any statements I would have known my payment was missed and made it prior to the 30 day late which has now impacted my credit greatly. We had also prior to the XXXX payment had the address updated but it was only updated in the retail side. We were not told until recently that you have to contact each department to update information. Customer service spoke with collections who has indicated that they will not change the reporting. Based on the fact that the company had information to reach me and provide a monthly statement I feel like PenFed contributed to my payment being late. I pulled up my final loan paperwork and show the mailing address was not the physical address and my phone number was on final loan application. PenFed would have received this paperwork from the escrow company prior to my loan funding. I am trying to work with customer service to get this resolved but have now been told 4 times that they will not fix this. I feel this is poor customer service and that they did not meet the requirement to send me my mortgage statement monthly. I also feel them indicating that they tried contacting us by calling but never leaving a message is not satisfactory.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Citicards CBNA ( that's how it is listed on my credit report ) has charged late fees and interest for the past few months. I told them that i have paid for every item i ever purchased with the card and that i further placed my payments in a properly addressed and properly stamped envelope PRIOR to the due date. All the current charges are for late fees and interest on late fees that i do not owe.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Account was charged off in XXXX  XXXX and XXXX removed the item from my credit but Equifax is not removing it. And they are stating account is accurate I am requesting the immediate removal of the disputed account belonging to XXXX XXXX XXXX, with account number XXXX, from my credit report as it is no longer under dispute and the information is inaccurate. I don't understand why I am having such a difficult time getting these removed when XXXX and XXXX were so easy.
Consumer complaint received 2024-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: WEBULL PAY HOLDINGS (US) INC (MI)

I transferred my money to webull pay at XXXX and didnt use it at all, in XXXX I tried to take my money back. They refused and they dod restrict my account, I tried to ask them for waht they did this! Until now they not giving my the correct answer
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible. SEE ATTACHED
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (TN)

I have been using Robinhood online account trading for several years. Several weeks ago I got an email saying that my account had been frozen. There is no way to get a hold of Robinhood on the phone. I corresponded through chat and email multiple times over several weeks. They have asked me for verification information all of which I have provided multiple times electronically. There is no fraud on my account. I am at the point now where I just want my account closed and my funds refunded. Robinhood has refused to refund my remaining balance or officially close my account. I have spent hours trying to rectify the situation unsuccessfully. Online I see that multiple other customers have had the same problems with this shady company.
Consumer complaint received 2018-09-04
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. ()

I was signed on as an authorized user to my XXXX year old mother who has XXXX/XXXX.as I am her POA ( while XXXX XXXX XXXX did not accept it-only one-wants original documents we don't send ) and daughter-it is not my account or debt, yet they have recorded it as such which is hurting my credit score.  On top of it fraud was made not resolved to the tune of nearly XXXX in charges and another XXXX in fees on the XXXX  XXXX XXXX acocunt which is now being reported and not resolved despite hours w fraud dept. someone stole my moms social and called her and got her to transfer huge amounts of money one to another charge that was over what she owes and another to a bank that is not hers. IT has happened twice on XXXX too, but XXXX is not reporting me as I am not an authorized user. In additional to the fraud, XXXX XXXX XXXX MUST REMOVE THIS REPORT FROM CREDIT BUREAUS IMMEDIATELY AND ALSO CORRECT THE FRAUD.
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> my debit card was compromised and it was used multiple times to rack up an absurd amount of money totaling in XXXX through numerous ways like digital wallet and debit card I didnt notice my debit card was messing or how this transactions where not flagged and made aware to me in this large amount I submitted a dispute claim today in hope to get my money back this is very dramatic and a big financial stress to me rite now I currently bank with Wells Fargo
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX I paid the balance of my Citi Diamond Preferred card in full. The payment was made through the Citi online portal. The representation was that my balance had been paid in full indicated by choosing the " Pay your entire balance '' & " {$0.00} owed ''. As well, my balance available for purchase after my payment was the full amount of my credit line. I have not used my card since paying the balance in full. 
On XX/XX/XXXX Citi Card charged additional interest fees, presumably the finance charge from the previous month. On, XX/XX/XXXX Citi notified me that I was delinquent on my payment. Upon contacting Citi I was informed that 2 late fees were assessed on top of the interest charge from XXXX. I spent over 1 hour being transferred back and forth between departments who could not explain the charges to me plainly. I was told that Citi could not tell me how the entire balance represented on the account had been calculated and that they would not be able to remove any of the late fees. We settled on a nominal balance that represented double the interest charged originally. I still did not receive a clear explanation of what this amount consisted of.
I understand that I am responsible for paying the interest for purchases that I made however, I feel that I have been unfairly charged late fees, as well as unknowingly causing potential harm to my credit to benefit the bottom line of a muti-billion dollar bank.
The process of paying a nominal ( under {$20.00} ) interest fee was exhausting and in my opinion completely unnecessary. I feel that Citi purposefully designs their customer service lines of communication to deliberately frustrate and confuse their customers so they will relent and pay erroneous and exorbitant charges.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  Account Name XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-31
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I live in XXXX Florida. Several weeks ago we had XXXX XXXX. Immediately following XXXX XXXX, power was stopped throughout effected area. Costs associated with hurricane preparation, loss of food due to loss of power, costs associated with restoration including although not limited to batteries for fans, lights, replacement food, other consumables, and home repair exceeded {$1500.00}. 

Learned from local newspaper of Federal Regulations regarding National Federal Disasters supporting mortgage payment forbearances to mortgage servicing companies such that up to XXXX mortgage monthly payments can be delayed to end of mortgage term if a request of such is made to mortgage servicing company. 

I requested forbearance of my mortgage servicer Ocwen on XXXX/XXXX/XXXX. Company representative said that someone will call within 7 days. As of XXXX/XXXX/XXXX no one called or left a message. I called on XXXX/XXXX/XXXX and was advised by " XXXX ID XXXX '' Ocwen mortgage loan representative that Ocwen does not comply with Federal Regulations and furthermore has chosen not to work with forbearance payment delays. 

I find it odd that Ocwen has such an exception, which means that in addition to paying significantly more money than my monthly payment I need to accept further financial burdens. Incidentally Ocwen purchased my mortgage from another company, and given the choice Ocwen would not be my preference for a mortgage servicer.
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (TX)

I AM NOT A LAWYER. I AM A XXXX XXXX. I believe I was misled about the hard copy information ( consent to judgment/ rule 11 ) they send to myself concerning the debt. Please see attached. This is a follow up to complaint numbers XXXX and XXXX. At the time I filed my original complaint, I was unable to attach the following call logs to prove I had communications with XXXX XXXX XXXX on XX/XX/2018. I spoke with XXXX on the previous days as well. Somewhere on or the day before is where I heard him make his questionable statement. I believe it was on XX/XX/2018. It could have been the day before. I am unsure If the women on the phone told me that I need/ must sign it ( rule 11 and consent to judgment ) before she told if not I would/will be taken to court. Please investigate. What she said seems/feels threatening to me. What XXXX XXXX said about the consent to judgment form seems/feels very much misleading. Please double check our last communications. Both representatives of XXXX XXXX   XXXX have raised ethical questions and concerns to me creating a very real feeling of oppression with mental pressure and distress. I am attaching my XXXX as proof that I am a veteran. Please keep from sharing from XXXX XXXX XXXX if possible. I also want to state that I will hold up my end of the settlement agreement faxed on XX/XX/2018 unless otherwise offered an alternative. I will not agree nor will I sign the consent to judgment or rule 11 that  was dated the next day on XX/XX/2018.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are several fraudulent unauthorized inquiries on my credit report. I have a police report on file with transunion as I am a victim of identity theft. These inquiries were not done by me. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. The account Showing on my report as XXXX XXXX is reporting inaccurate information. I have disputed this account with transunion several times and they will not update it to report accurately. My report shows that the last payment to XXXX was XX/XX/XXXX and the account as open however this is inaccurate. The account close date should be XX/XX/XXXX which is the date this account was filed in a bankruptcy. This inaccurate reporting makes it appear that I have been delinquent with them from XXXX when in fact the account was closed in XXXX and discharged in a bankruptcy.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681 C ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-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 in accurate.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX BANK NA XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX BANK XXXX Balance {$44000.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>