davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-28
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: SYNCHRONY FINANCIAL (FL)

I checked my XXXX  report and it listed this account reported by XXXX : SYNCB/WALMART DUAL CARD Account Number XXXX Amount Delinquent {$23.00} Payment Status Collection/Chargeoff I have NEVER had a Walmart card . I refuse to shop there. I boycott the store due to their unethical practices and treatment of employees. 

I have NEVER received any kind of statement or anything related to this. No call - usually I get an identity theft call. I never even knew this existed. I AM EXTREMELY UPSET AND DEMAND IT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!!!
Consumer complaint received 2020-03-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( Equifax, XXXX  and XXXX  ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : XXXX  : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX  : XXXX ( shows up twice ), XXXX XXXX and XXXX  XXXX Equifax : XXXX, XXXX XXXX XXXX and XXXX  XXXX  I am requesting these inquires be deleted immediately.
Consumer complaint received 2018-09-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX has reported information on all three credit bureaus that I have a collection account and my payment status has been past due. I contacted them on XX/XX/XXXX and spoke with XXXX who assured me they were going to do a manual update to correct this with the credit bureaus. She stated it would be 48 hours. She also reassured me that my account was never past due and account was allways in good standing. The information on my reports were wrong. She would have this corrected ASAP! And still has not been completed. This account was paid in full and satisfactory in XXXX
Consumer complaint received 2019-09-24
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: WELLS FARGO & COMPANY (GA)

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX  XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX Auto Navigator approved loan but since I purchased the car, I no longer have access to such document*
Consumer complaint received 2018-09-25
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: I.Q. DATA INTERNATIONAL, INC. (LA)

I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. 


The account is posted on my credit report filed date XX/XX/2014 to current. 

Amount {$510.00}
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.
Consumer complaint received 2019-10-24
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: JPMORGAN CHASE & CO. (IL)

Hello : I made a charge with my Chase credit card and cancelled the transaction on the same day. I have the cancellation of the transaction from the vendor. However the charge is reflected on my credit card statement and the vendor and Chase are not removing the charge from my statement.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (TX)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NC)

Best Buy XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/19 purchased laptop {$1100.00} including discount of {$200.00} if apply for a Best Buy credit card. Approval code XXXX, card # ending in XXXX according to receipt Asked to pay off immediatedly at store- refused to do. Calle the store several times in the last month asking where card was, said it should have been in the mail and received. Called credit card issuer Citibank, said card will not be sent, ss # and name do not match as entered by Best Buy employee. Daughters name and ss # but mothers name as per rewards account. Citibank said the only way to receive card now was to prove identity by mailing them copy of Mothers birth certificate and ss #. said this was not secure. Citibank and Best BUY refuse to send statement. We want to pay in full and especially before interest begins. HELP!
Consumer complaint received 2019-09-24
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. (IN)

While serving oversees my Idenity was compromised. The items below have been fraudulently opened and placed on my credit report. 

1. XXXX XXXX XXXX  2. XXXX / XXXX 3. XXXX XXXX 4.  XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX   13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-03-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (IL)

I have been trying every day ti get ahold of Hyundai Finance to discuss my financial hardship due to lost wages from the coronavirus pandemic. Their phone lines say " we are experiencing technical difficulties '', yet they are having no issues taking my money monthly. When I contacted the individual dealership, they said they do not know anything and can not do anything.
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (FL)

Back on XX/XX/XXXX I looked at my credit report and noticed it was an account listed in derogatory for {$2500.00} by a company named Capital Accounts LLC. They never reached out to me prior to this and damaged my credit. On XX/XX/XXXX I wrote Capital Accounts LLC and requested validation and a contractual agreement bearing my signature proving that I owed them a debt. On XX/XX/2019 they sent out a letter to me stating they had retained my account from a third party, I now owed them {$1200.00} and that I had 30 days to dispute the validity of the debt even though my first correspondence to my credit being damaged did this. On XX/XX/2019 I sent them out a second letter requesting validation and a contractual agreement bearing my signature proving I owed them a debt. They updated my credit report to show the account was in dispute and it now shows I owe {$1100.00}. The never addressed my second letter and sent me out a letter stating I haven't made any payment arrangements with them to pay the balance which is now {$1100.00}. As a result I am requesting this account be removed from my credit report immediately as I believe they are in violation of the Fair Debt Collection Practices Act, The Fair Credit Reporting Act.
Consumer complaint received 2020-03-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

Subject : Quicken Loans Rep Persistently Avoids Providing Written Loan Estimate This is a formal complaint against XXXX XXXX and Quicken Loans for failure to provide a proper Loan Estimate with in the legally required 3 days from receipt of my personal and loan information. This compliant will be submitted directly to Quicken Loans as well as the Consumer Financial Protections Bureau. 

Below is a summary email trail of The Worst Lending Experience I have ever had in my 15 years of working with mortgage companies to obtain residential purchase loans. 

Friday, XX/XX/2020 Called Quicken Loans to get a rate quote and Loan Estimate. 
I was routed to XXXX XXXX, who advised me that he would have to pull my credit in order to quote rates. 
After XXXX asked me a minimum of a dozen demographic and purchase questions, including my social security number to pull my credit ; XXXX quoted me points and rates on FHA and conventional loan options. 
In response to the verbal quote, I asked XXXX if he could email the estimate. 
XXXX agreed to follow-up with an email ; but seem to hedge on the information Quicken Loans provides without distinction. 
Despite informing me that Quicken was currently pricing mortgages multiple times/day, XXXX waited a day to send an informal email citing points that were higher than what he provided by phone the day before. 
After I replied with an inquiry about the disparity, XXXX acknowledged the points distinction that he failed to disclose in his initial correspondence. 

Friday, XX/XX/2020 After receiving confirmation from multiple sources, that I should have been provided a Loan Estimate, I emailed XXXX to again request a formal Loan Estimate. 
Despite XXXX 's auto reply directing immediate follow-up be redirected to XXXX XXXX, XXXX replied before she could reply to advise that he would follow-up with me on Saturday, XX/XX/2020. 

Saturday, XX/XX/2020 XXXX initially follows-up with an email at XXXX to ask " the property address '' for purchase. 
Despite my replying at XXXX, he waits until XXXX to ask if I'm still " interested in FHA? XXXX After responding to the " FHA '' inquiry within one minute, he waits another 2.5hrs to ask about my " closing date. '' I reply with what is likely to be the earliest possible closing date. 
Note : The fact is there is NOT a closing date yet. It's a new construction home that is still being built. 
XXXX casually replies that " we would not be able to close in 2 weeks. ''
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

I telephoned Citi Cards ( Citibank VISA ) on XX/XX/20 to request a deferred payment on my credit card. The CSR ( Customer Service Representative ) advised me on their recorded line that my next payment was not due until XX/XX/20, so I did not need a deferred payment at that time. I began receiving emails and a text message on XX/XX/20 advising me that I was then delinquent regarding a payment and Citi Cards ( Citibank VISA ) was charging me a {$29.00} late fee and they were then demanding over 3x the normal bi-monthly payment of {$170.00} that they now claim was due on XX/XX/20. I requested that Citi Cards ( Citibank VISA ) review their recorded conversation I had with their CSR on XX/XX/20. During this international / national crisis with Covid-19, Citi Cards ( Citibank VISA ) is acting with a complete lack of compassion for the hardships being endured by the American people as well as engaging in deceptive trade practices. This conduct is illegal during normal times, but is reprehensible during a national emergency. My personal income has been cut in half during this national emergency and Citi Cards ( Citibank VISA ) is acting like mobster loan shark debt enforcers. 

The first Citi Cards ( Citibank VISA ) CSR I spoke with ( # XXXX ) was argumentative and refused to admit Citi XXXX ( Citibank VISA ) previous misrepresentation on my earlier phone call on XX/XX/20, refused to dismiss the late fee and is now treating me as a bad customer due to Citi Cards ( Citibank VISA ) incompetence and inefficiency. The 2nd CSR ( XXXX ) did the same as # XXXX, but offered me so-called payment arrangements that were no more favorable than my initial minimum payments. She claimed that someone would review the taped call of XX/XX/20 and get back with me in 1-2 business days. 

I have a perfect payment history with Citi Bank ( Citibank VISA ) for  years ... NO LATE PAYMENTS EVER!!!
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

Hello CFPB, I would like to file a complaint to Citibank. Last week Wednesday XX/XX/2021, I was trying to transfer my money of {$190000.00} from Citibank to my XXXX XXXX Account. I was not able to complete the transaction online because the Citibank external transfer is limited to {$10000.00}. And I called Citibank, the representative suggested me to do a wire transfer instead. And I did the wire transfer on the phone with the Citi representative under her instruction. And the representative told me to call back the next day to confirm the wire transfer. 
On Friday XX/XX/2021, I called Citibank, the first representative told me she wasn't able to confirm with the transfer and told me to call back in 3hours. I waited and called again, the second representative said she was not able to confirm and said someone will contact me for confirm, I waited for another 3hrs, no one have ever contacted me. Then I called Citibank again on the same day evening, same response, they can not get a confirmation. 
On Friday XX/XX/2021, I decided to cancel the wire, and tried to pull the money from XXXX external transfer from Citi in two transactions, {$100000.00} on XX/XX/2021 and {$90000.00} on XX/XX/2021. 
Today morning XX/XX/2021, I got an email from XXXX indicated that my account from Citi is frozen and they are unable to do the transfer. 
I immediately called Citi to find out what is happen to my account, I waited an entire day for an answer, the representative told me that they will be able to unlock my account with the fraud prevention department, but wait an hour wait, and verification with the fraud prevention department, the representative told me he was not able to unlock my account, and the account is still under review. 
Citibank case number is XXXX, and the person from the fraud department name is XXXX. 
The money that I initially deposited into Citibank came from the same account that I was going to transfer my money back, XXXX. Both accounts below to myself, solely, and with the exact same name on the account. There is no reason for Citi to hold my fund. 
Citibank is taking unreasonable amount of time to review my account for almost a week. and I'm still not able to access to my own money!!! 
Please help me to fix this problem. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2018-09-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. 


The account is posted on my credit report filed date XX/XX/2014 to current. 

Amount {$510.00}
Consumer complaint received 2021-12-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (NJ)

The money source, as well as the original lender of this loan -- '' XXXX XXXX '' -- -. Since XXXX of the year 2020, has repeatedly made changes to my account without my consent. After 2 years of complaints to the each company, ALL my complaints were ignored. Now, my ability to obtain credit has been hindered/ restricted due to the fact that changes were made to my account -WITHOUT MY CONSENT. My mortgage account was put into forbearance without my permission. Now because of these companies actions, I am unable to obtain any new credit account. I have enclosed proof of my application for new credit which was denied based solely on the actions of these companies.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (KY)

On XXXX, I purchased a Visa gift card ( XXXX ) from XXXX for {$470.00}. I could tell after opening the card that it had been tampered with as there was really hard glue covering the sercurity code. After scratching the glue of the card the security code was no longer readable ( completely removed ). I attempted to use the card 5 times at a walmart but the magnetic information was also removed from the card. 

I called US Bank ( XXXX  ) customer support at XXXX. I told them exactly the details noted above. They said they would send me a replacement card in the mail. I told them to disable the orginal card since it was tampered with. I received the replacement card ( XXXX ) on XX/XX/18 in the mail. I activated the card and was told there was a {$0.00} balance. I called and was told someone had used the original card. I explained the card was not usable and I didn't even have the security code since it was tampered with. I also informed them that I had been through all of this XXXX days ago. They went through a list of charges and I confirmed it was not me ( since it couldn't be me ). They put me on hold for XXXX minutes as they tried to find someone to file a dispute with.
Consumer complaint received 2021-11-18
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. (CA)

Carmax reported on XX/XX/21 on my credit report which I didn't authorize or apply for any car loan and it appears on my credit report ... .Their address XXXX XXXX XXXX XXXX GA XXXX Their phone number ( XXXX ) XXXX
Consumer complaint received 2021-12-13
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: CITIBANK, N.A. (MA)

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX, INQUIRY DATE XX/XX/2021