davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (MS)

You are in Direct Violation of The Fair Credit Reporting Act XXXX  Retail account # XXXX and XXXX account XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2016-12-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

At the request of Carrington Mortgage, I have been making my mortgage payment using XXXX Collect since XX/XX/2016. Carrington mortgage is reporting that I made XXXX late payments more than 30 days late for the months of XX/XX/XXXX & XX/XX/2016. However, neither XXXX of these payments were made more than 30 days late. I filed a dispute back at the end of XX/XX/2016 I have submitted my original receipts showing the date and the time these payments were made and Carrington Mortgage has still refused to correct my Transunion, Equifax and Experian. The dispute was closed and all Carrington did was report a different balance to the credit bureaus. The update from Transunion was completed/closed stating " your mortgage balance has increased from {$98000.00} to {$98000.00} which is the same balance. This dispute did n't do anything to update the late payments or nothing to redeem my score dropping XXXX points from this error. The XX/XX/XXXX payment was made on XX/XX/2016 at XXXX PST and the XX/XX/XXXX Payment was made on XX/XX/2016 at XXXX PST. These payments were made on time as an Urgent Payment via XXXX XXXX XXXX XXXX. These payments are sent without delay and sent within minutes. Based on the XXXX policy, payments can be delayed if they made after XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX EST. The XX/XX/2016 payment was made at XXXX XXXX, which is XXXX XXXX. Carrington Mortgage did not acknowledge my payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington did not acknowledge the second payment until XX/XX/2016 for the XX/XX/2016 payment. Carrington mortgage is required to report accurate information to the credit bureaus and they are refusing to correct their mistake. I have attached the original receipts and a letter from XXXX showing that these payments were made before the XXXX days late mark.. No doubt the inclusion of this inaccurate information is a mistake on the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a refinance, which was highly embarrassing and has negatively impacted my lifestyle. Please work with Carrington to do the right thing and have these inaccurate late payments removed from my credit report with all XXXX bureaus.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (ME)

Subject : Complaint Against Citibank for Unauthorized Credit Inquiry Dear Consumer Protection Agency, I am writing to file a formal complaint against Citibank for conducting an unauthorized credit inquiry without my knowledge or consent, which has negatively impacted my credit score and jeopardized my ability to purchase a home. 

On XX/XX/2023, I discovered that Citibank had closed my account without any prior notice. I immediately contacted their customer service department, and the agent acknowledged that this was a mistake and assured me that the account would be reopened. During this conversation, I explicitly stated that I was in the process of buying a house and did not authorize any credit inquiries. 

Despite my clear instructions, Citibank proceeded to conduct a hard inquiry on my credit report. Upon discovering this in XXXX, I contacted Citibank again, and the agent confirmed that the inquiry was a mistake and would be removed by the end of XXXX. However, as of today 's date, the unauthorized inquiry remains on my credit report. 

This unauthorized credit inquiry has caused me significant financial harm and emotional distress. I am deeply concerned about the impact this will have on my ability to secure a mortgage and purchase my first home. 

I request that the XXXX XXXX XXXX investigate this matter and take appropriate action against Citibank for their negligence and disregard for my consumer rights. I further request that Citibank be compelled to remove the unauthorized inquiry from my credit report immediately and compensate me for any damages incurred as a result of their actions. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVER BANK XXXX
Consumer complaint received 2024-09-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (FL)

I want receive some money from my friend as usual, but the transaction is pending and I need to provide document, I chat with the representative and she needs my to upload proof of address I provided all the document which they need, but I received a account close letter today. I have no idea about that, I use this account for so many years, and I obey the XXXX XXXX XXXX, why did they close my account? 


company name Wise Us
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

The FDIC gave me this to file against Cashapp. I was scammed out of many thousands of dollars. I have documentation that says the scammer was working with the cashapp server. I was led to transfer money to cashapp then change to bitcoin and I was going to make a large return. Although I believe the scammer did the multiple transactions as me. I have filed with my bank, XXXX, Attorney General of Az. FDIC and FTC and adult protective services as i am a senior citizen. 
I called Cashapp XXXX different times. XXXX out of XXXX said they could not locate the old account as it was closed. I opened a new one in hopes of getting into my old account I think the scammer closed it. The fifth person was able to find my old account ( I opened a new one in hopes of getting into my old account and found the transactions. He asked if i did these for services or products. Thinking bitcoin I said products. He then said there was nothing else he could do and hung up. 
I was coerced by threat into sending the money by wire. Finding that is how the scam works to not be able to get my money back. 
There are many transactions. The first XXXX are part of our banks SCAM reports. 
Bank Date XX/XX/year> {$17000.00} and {$19000.00} XX/XX/year> {$8500.00} XX/XX/year> {$5000.00} {$2000.00} XX/XX/year> {$2000.00} {$1100.00} XX/XX/year> {$990.00} XX/XX/year> {$5000.00} XX/XX/year> {$990.00} {$980.00} {$970.00} {$960.00} I do not recall making multiple transactions in XXXX day XX/XX/year> {$1500.00} {$2000.00} XX/XX/year> {$990.00} {$980.00} {$150000.00} {$2000.00} {$1600.00} {$1900.00} again more than XXXX transaction in XXXX day XXXX of {$71000.00} Attached you will find the scammers contact phone numbers. They have been shut down. XXXX XXXX seems to be a popular name for a scammer
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

On XXXX XXXX XXXX, I sent a debt validation document request in writing via certified mail to Navient my federal student loan servicer. I requetsed all the documents in Navient 's possession concering their serving of my federal student loan, including but not limited to all documents executed by me and their valid serving agreement with my original lender. Navient refused to comply with that request. On XXXX XXXX XXXX, Navient errenously responsed by letter in reponse to my validation of debt by documents request stating " I did not give them enough information for a credit reporting investigation ''. My original request was not a credit reporting dispute request. It was a letter in response to a letter I received from them with imprpoer accounting attached to it. 

To date, I have not received any of validation documents, I requested on XXXX XXXX XXXXXX/XX/year>. Navient is now COMPLETELY BANNED FROM SERVIING FEDERAL STUDENT LOANS. However they have not cease collection efforts : The law clearly states If the creditor can not validate the debt, they must cease all collection efforts until proper validation is provided. As of today Navient is not only continuing to claim they have the right to service my federal student loan by reporting this unvalidated debt on my credit report. I am also still receiving harassing letters from Navient and phone calls from the company attempting to collect a debt. They reported on my credit report the day after CFPB settlement was made public. Making it evident Navient 's bad acts against borrowers has NOT been detered by the action recently taken against them. They know they are banned from servicing Federal student loans, yet they uniltaerally are ruining borrowers credit by reporting information to the 3 major credit companies errenously as the servicer with legal right to do so.
Consumer complaint received 2020-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (NY)

When I go to link money transfer accounts such as XXXX or XXXX to PNC, it will not authorize it. On top of this, there is no way to unauthorized it by proving it is you that is doing it
Consumer complaint received 2020-05-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

I am writing to you today concerning an account being reported by EOS CCA. I have made several attempts to rectify this matter as EOS CCA has now become unresponsive. On XX/XX/2020, I spoke with a representative by the name of " XXXX XXXX '' who provided me a fax and email address to send him a Debt Of Validation letter. It has now been pass 30 days of notifying them, and I still haven't received any correspondents what so ever. 
I only asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$990.00}. EOS CCA is falsely reporting a debt to the three major Credit Bureaus. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS CCA to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX & XXXX ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in a time of a Global Pandemic with the COVID-19 virus. As unemployment rates continue to increase, access to funds are crucial for survival. This false report by EOS CCA has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and EOS CCA is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.
Consumer complaint received 2020-06-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NV)

I had issues with paying the monthly payment amount for my student loans from Sallie Mae. I was enrolled in their term and rate reduction program and my payment was reduced to {$610.00} / mo which I could afford. Speaking with their many representatives, I was assured that after the 6 qualifiying payments, I wouldn't have to make a payment in XX/XX/2020 and that my next payment of {$610.00} would be charged in XX/XX/2020. I agreed because the payment was almost 3 times lower than the original monthly payment amount would be. Well I wake up today, XX/XX/2020 and find out that my monthly payment is not actually the {$610.00} agreed upon but instead it is {$1000.00}. I was never told by any Sallie Mae representative that the monthly payment would be the {$1000.00} instead of the {$610.00} agreed upon, in my many calls with Sallie Mae. I can not afford the {$1000.00} payment and my bank account is not letting me stop the payment. Sallie Mae said they can not do anything and that I have to let my account go past due in order to renegotiate the payment.
Consumer complaint received 2020-09-25
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: T.S. Holdings (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (GA)

I disputed a medical bill on my credit report that doesnt belong to me with XXXX  on XX/XX/01 i filed an FTC report and police report they continue to still report the collection account on my credit
Consumer complaint received 2020-06-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Its showing on loan amount {$3500.00} that I have two late payments ( XXXX and XX/XX/2016 ) I was enrolled and school and loans where in deferment. 

Another loan amount {$6000.00} that I have to late payments ( XXXX and XX/XX/2016 ) I was enrolled in school and loans where in deferment. 

All other loans are in good standing and was in the same date range but no late payments.
Consumer complaint received 2020-06-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PNC Bank N.A. (GA)

Due to Covid shelter in place orders, I was unable to go in person to make deposit into my checking account. The personal loan installments are supposed to come out of this checking account and thats why it led to payments not being made. When I finally managed to make deposits in the account and pay the installments for the personal loan, the payment did not get credited to my account properly which I was not aware of. This has let to late payments showing up on my credit report. I am requesting to reverse the late payment reporting to my credit report.
Consumer complaint received 2020-06-08
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: CarMax, Inc. (VA)

Carmax auto finance has attached a remark to my credit report in regards to be being impacted by COVID 19, in which I was not impacted by COVID 19. I, in no way shape or form, requested anything regarding COVID 19. I did not find this out until I was attempting to refinance my car through my bank.
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

XXXX refuses to apply my additional payments to principle. 

They do not have an automated payment processing to put money towards principle, I must call every month to apply the additional payment amount to principle. 

Since XX/XX/2020, I've paid thousands of dollars over my regular payment amount in an attempt to apply those funds towards the principle. 

For the last six months I've been requesting XXXX to apply these credits. I've worked with multiple managers and many representatives and they all say it's been applied and takes a few days to be processed. After a few days check online, still hasn't been applied. I call in, and they say they ave applied it this time just to find out again XXXX days later that the credited funds have still not been applied. 

I've expressed this problems to the managers multiple times, nothing has been done. 

There is a serious problem of information asymmetry, where the consumer has little to no information about their account, but the company can see all of these supports cases and details. 

I've requested an email confirmation about these payments being processed, and XXXX refuses to provide me with any type of confirmation about me calling in and them handling an issue. They give me a case number, but I don't have anything on my end to assert that we've had this conversation and they insisted it has properly been applied. 

I consider this fraudulent. They are holding my money and not allowing my to apply it to my principle, they mislead me every time I attempt to resolve the issue, then refuse to give me any confirmation on my side that I talked to them about this issue ( many many times ).
Consumer complaint received 2021-12-21
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. (TX)

XXXX XXXX has been reporting on my credit profile to collect a debt that is not my debt I have sent several dispute action to Equifax XXXX and XXXX regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX back in XXXX they mailed me a letter to fill out a ftc.gov form affidavit I filled that out I mailed it is still appear that it is showing a closed account That has not been removed as a fraudulent activity on my credit report. On the Equifax and also XXXX, it appears that it was removed as I show documents and then it appears it is show back up on my credit report and I am reporting the inaccurate fraudulent activity that is reporting on my credit report. The account XXXX XXXX does not belong to me. As I have attached documents and mailed out several letters I have tracking receipts and I have mail certified letters sent to the bureaus.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MD)

My phone was stolen. 

I called cash app to transfer funds. 

I went through many hours of calls/emails & completed the steps they instructed me to take to verify my identity and to recovery my balance. 

They are refusing to transfer fund. 

The last & most recent recent was because I cant access my old account/ old emails. 

I can access my emails & they told me to close the account as part of the process to recover the funds. 

They are refusing to give me my money but instead keeping my money
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (NE)

On XX/XX/2024 I bought a Bitcoin for {$28.00} at XXXX In US currency, am and now I can't find it in the account. Then again bought another Bitcoin for {$35.00} us currency I see no evidence of what happened to them.