davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit 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. (IL)

I have tried to receive a refund regarding a purchase for {$20.00} on XX/XX/2023 that was not delivered by XXXX XXXX. I tried multiple times by chat and by phone to be refunded by XXXX XXXX  and was told the order was not eligible for a refund. I then started a dispute with Citibank. XXXX responded by sending Citi a copy of my receipt and no proof they delivered what was ordered. Citi now says Im responsible for the charge and to contact XXXX for a refund. I have photo and video proof that what I ordered was not delivered by XXXX driver. I also have copies of correspondence with Citi. 

Thank you
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TX)

I am requesting that all 3 addresses need to be deleted from my consumer report because 1 is a non-existant address and the other 2 now belong to someone else, also it is causing me financial problems. The California XXXX XXXX XXXX sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
My current address is attached to this CFPB complaint and may be updated on my consumer report Please send me a full complete copy of my consumer FILE
Consumer complaint received 2024-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (NY)

For over six months I have had my account set up for auto pay and I am actually ahead on payments. On XX/XX/26 I attempted to update my banking information ( new bank which I had previously had set up with LoanCare ) and received a error message when entering the routing number. I called customer service and was told they can't/wo n't set up auto pay due to a bankruptcy XXXX years ago. I told the rep for more then six months I have had auto pay set up. Rep tells me she doesn't see this and I must have used bill pay. I again assure her I had previously set up successfully auto pay on their company 's web site. After getting nowhere I reached out to a XXXX XXXX in Loancare 's Office of the President for help ( XXXX who had reluctantly helped with previously issues. Each time I call I get voice mail and leave a message which is never returned. It is as if Loancare wants the customer to miss a payment by now forcing the customer to either call every month or mail in a payment. And to be lied to and told I never had auto pay set up with Loancare even though for more then six months I did is a shock. Company is extremely difficult to work with.
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (FL)

Since Wells Fargo took over servicing of my loan in XX/XX/XXXX, they did not perform due diligence to estimate my property taxes after the purchase of my loan, causing an immediate increase to my mortgage XXXX starting in XX/XX/XXXX. I did not call to complain about it at the time because this only represented a minor mistake based off the increase. Then in XX/XX/XXXX I was notified of another increase based off their miscalculation and adjustment to my property taxes. I did call them to complain at this point because I know they did not perform their due diligence when taking over servicing of the loan for estimation of taxes plus proper reserve requirements. They stated they were only able to forebare a nominal amount of {$100.00} that would not help at this point. I applied for a loan modification in XX/XX/XXXX to help with this and I was declined. Now I just received my escrow analysis for XXXX and now there is a shortage of over {$3000.00} l, adding {$200.00} more to my escrow impound payment. Since they took over servicing of my loan, my payment has now increased by XXXX XXXXXXXX due to their original error of not properly estimating taxes and setting appropriate reserves since taking over servicing of this loan.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This is my 3rd attempt to rectify this matter. I mailed out previous letters to the corporation and to the non affiliated credit reporting XXXX XXXX and Experian ). This is last attempt to rectify this matter before I take this to arbitration and to small claims court. According to 15 USC 6802 no financial institution should disclose any non public information to a non affiliated 3rd party. In the disclosures the company never stated that they were going to release my personal in formation to the non affiliated 3rd party nor did they say that it will negatively impact my credit score. Pursuant to 15 USC 6802 b ( 1 ) ( b ) and ( c ) they were supposed to give information on how I can opt of sharing my non public information which they did not. When I reached out to the company I spoke to a XXXX and he laughed in my ear about my concern. I also reported this to the attorney general and I got a response saying according to their policy they do not give consumers opportunities to opt-out. Well I thought federal law subsidies policy any day. I also mailed a letter to the CRA and I git a generic response. We all know the CRAs and XXXX XXXX are not affiliated in any way or are they controlled by the same owners. Unless someone is paying for my non public to furnished.
Consumer complaint received 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (KY)

Mr Cooper acquired our loan XXXX XXXX XXXX XXXX, their system was hacked ; but we were not notified until XX/XX/XXXX. I actually found out they were hacked on the internet. In late XX/XX/XXXX, we received an email stating that our monthly payment would be increasing. When I called to ask why, I was told they require a certain amount to be in the account and was told that I could pay the amount that was required or it would be added to our monthly payment. The additional they are requiring has nothing to do with escrow or taxes. The amount they are requiring is basically a monthly payment. I have never heard of a mortgage company requiring this. Every month, we pay additional principle to help pay off our loan quicker. I think it's ironic that this is the same amount they are requiring we pay every month. I think they are a fraudulent company. I also think the consumer should have a say when one company sells their loan to another company. Or at least given the opportunity to find a company on their own.
Consumer complaint received 2024-01-26
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)

I would like to have all hard and soft inquiries deleted off my credit report because Per 15 USC 1681, I gave no written consent for this information to be reported. Also 15 USC 6802-6805 and 16 CFR 313.2 both state that I can opt out of anything on my credit report at anytime. The privacy act of 1974 also covers that I have a right to privacy of all my personal information. All these inquiries need to be deleted immediately! based off law, I would like {$1000.00} to be debited to this account for this mistake or I will take legal action. Routing # XXXX Account # XXXX the FCRA, 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2024-01-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I am writing to file a formal complaint against Pentagon Federal Credit Union ( PenFed Credit Union ) for the illegal repossession of my vehicle, a XXXX XXXX XXXX XXXX, VIN # XXXX. This complaint is raised due to a breach of the agreed repossession notice period, unauthorized sharing of my personal information with a third party, and the inability to access essential personal items in my vehicle. 
On XX/XX/XXXX, I received a notification from PenFed Credit Union informing me that my vehicle could be repossessed if payments were not made current within 21 days of receiving the notice, via return receipt XXXX XXXX XXXX XXXX XXXX XXXX. Contrary to this agreement, my vehicle was seized on XX/XX/XXXX, approximately 15 days after the receipt of the notice. This action is a clear breach of the agreement set forth by PenFed Credit Union. 
Additionally, the repossession was executed by an unknown third party, who conducted the seizure on my private property at approximately XXXX XXXX without my express consent. This intrusion not only compromised my safety and privacy but also caused significant distress to my family, especially my children. 
Compounding this issue, I currently have no access to personal items left in the vehicle, which are extremely important and essential to my day-to-day activities. The inability to retrieve these items has added to the inconvenience and distress caused by the repossession. 
The premature repossession of my vehicle has severely disrupted my daily life and hindered my ability to make the necessary payments. This incident has resulted in loss of wages and additional damages that I have affected my ability to take care of my family. This situation has caused undue stress and financial strain, and I believe that PenFed Credit Union 's actions are in violation of the Truth in Lending Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (OH)

Transworld Systems Inc is trying to collect a debt from XXXX XXXX  which is not mine and was opened fraudulently in my name. The amount is {$1400.00}. The XXXX account was opened in AZ using a false address. I have never lived in AZ and I have never had an account with XXXX XXXX in my life. This collection account is now showing up on both XXXX and XXXX. I have filed disputes with both agencies. I have submitted an affidavit to Transworld as a result of the disputes as well as copies of the both the police reports and the Federal Fraud reports to Transworld. They continue to tell report to XXXX and XXXX that the account is valid and they have validated all information. 

I have disputed with XXXX and XXXX on XXXX, then again with both on XXXX after they were denied. XXXX has updated my XXXX score, but not removed the collection. XXXX has not updated my XXXX OR removed the collection. 

My disputes of the incorrect addresses on my personal information were both accepted and the addresses have been removed, but the collections remain. 

Transworld Account is XXXX  and their phone number is ( XXXX ) XXXX I have refused to call Transworld. They do not have my correct phone number ( since it was opened fraudulently ), and I do not wish to start getting calls from them. 

I want Transworld to remove this debt and and I want it removed from my credit reporting. It is not mine.
Consumer complaint received 2024-01-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (DE)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Net Credit regarding a loan that I took out under extremely unfavorable terms. I believe the practices employed by this lender are predatory and have left me in a financially precarious situation. 

Loan Details : - Lender : Net Credit - Loan Amount : {$5000.00} - Interest Rate : 140 % - Date of Loan : XX/XX/21 I have diligently made payments on this loan, but the exorbitant interest rate has resulted in me paying more than triple the original loan amount in interest alone. Regrettably, I am no longer able to sustain these payments due to unforeseen financial challenges. 

When I approached Net Credit seeking assistance or alternative repayment options, I was met with an unhelpful response. No viable solutions or options were presented, exacerbating my financial distress. 

I am seeking your assistance in investigating the predatory lending practices of Net Credit and request the following : XXXX. A thorough review of the loan agreement and terms to assess the legality and fairness of the lending practices. 

XXXX. Removal of all negative remarks associated with this loan from my credit report, as I believe these were incurred under exploitative lending conditions. 

I understand the importance of personal financial responsibility, but I am seeking your intervention due to what I perceive as an unjust and predatory lending situation. I appreciate your attention to this matter and your commitment to consumer protection.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (TX)

I have closely monitored this loan modification with UWM that was signed and executed around XX/XX/XXXX. As of XX/XX/XXXX, I was informed that the loan has started to update on the UWM dashboard login page. On XX/XX/XXXX, in accordance with the instructions to request an off-schedule escrow analysis when the loan modification was completely updated in the system, I have called the UWM general customer service line and they refuse to grant me a new escrow analysis. I have followed the instructions provided by UWM corporate counsel ( attached ) and requested the off-schedule escrow analysis and would like this to be granted so that my payment can be accurately calculated.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

To the best of my recollection - In XXXX XXXX XXXX  at the XXXX XXXX  ATM ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) a withdrawal was attempted and denied. I then proceeded to XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which was XXXX minutes away and attempted a withdrawal. This withdrawal was also denied. I'm assuming that the withdrawal amount exceeded the amount allowed to be withdrawn at one time. From what I can recall, I pulled into a car wash that same day and I attempted to call Citibank to get the issue resolved. I remember I had the flu at that time was frustrated when I called. I was told the account was froze and moved to the fraud department. Since that time I have called several times to resolve the issue. I was told that Citibank would mail a letter to confirm my identity and then the issue could be resolved. I have never received a letter and when I called back they offered no alternative to resolve my issue. At this point I am willing to fly to the Citibank physical location in Florida to prove my identity, but I am worried that they would say it has to be resolved by the fraud department.
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX bill paid by the XXXX XXXX at 100 %, I paid {$150.00} deductible at the time of service. {$1500.00} was a discount by the insurance company. XXXX XXXX are billing me for this amount.
Consumer complaint received 2024-01-29
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: Kikoff Inc. (IL)

I was unable to access my Email account when I purchased a new cellphone. Every effort to contact Kickoff to pay on my installment plan failed. I paid 100 % on time prior to this technical issue. I requested that Kickoff Lending delete the negative information and restore my credit score because the FCRA requires a consumer to get a statement and a method to get customer support to make payments. 

Any assistance you can provide is appreciated. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NM)

I have a checking account with Citibank in which I have had my direct deposit linked to since XXXX of XXXX, and use on a regular basis. On XX/XX/XXXX I deposited a check issued by the IRS in the amount of {$3700.00} using the mobile check deposit feature on my Citibank account. A few days later, I tried to log into my account and it was locked. I called the number on the back of my card and after verifying my account, they transferred me to the fraud department where the agent stated that my account was being closed and that I could no longer use my debit card or access it. When I asked why, she said she could not tell me why and that in the account holder 's policy, states that they have the right to close my account at any time without a reason necessary. I asked when I will get the funds that I have in the account she said in 60 days they will close my account and I might be able to get a check after that for my funds but that it's up to them if they give me my money or not. I asked to speak with a supervisor and she refused. After a few days of panic, I was able to obtain a number for the Citi Executive Response Unit and reached out to them. They responded quickly but have yet to find a resolution. They asked me to supply copies of my tax document in case it helps. I did that but still can't get an answer. My utilities have given me warnings, I am a single mother of XXXX of my children XXXX and I can't even feed them at this point. My vehicle will be repossessed in a matter of days, I don't have access to my paycheck because I went to that account. I am scared and at a loss of what to do now.
Consumer complaint received 2024-01-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY (TX)

To whom it may concern, My monthly note with Wells Fargo was set at {$630.00}. I paid Wells Fargo 4 payments {$2500.00} in advance in XXXX and wanted that money to go toward my principle note, instead Wells Fargo put that money toward my next 4 payments. I was was told I didn't owe a payment for the next 4 months, so I didn't make a payment for the next 4 months. I've been paying {$670.00} - {$700.00} every month since I purchased the vehicle. I received a letter stating that Wells Fargo had reversed my payment and put it toward the principal note and that I was 4 months behind on my payments. I then began receiving calls that my vehicle was up for repossession. I called Wells Fargo several times and asked them what does " reversing my payment '' mean. I never got a explanation. Tuesday XX/XX/XXXX I went outside to go to work and my truck was my gone. I called Wells Fargo and was treated like a criminal. They took my truck. I've been researching Wells Fargo 's history and found that in XXXX they were found guilty of several repo 's that shouldn't have taken place. 
Please help me ASAP. I'm not a bad guy!! 
Thanks in advance.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (MI)

On XX/XX/XXXX I was told by 3 different people that the moment my return showed delivered to the merchant. That my case would be closed in my favor and {$260.00} would be put in my account. At XXXX the status finally showed delivered from a XXXX delivery time. I spoke with a supervisor and she told me that when the system updates that I'd have my money. That she has closed the case in my favor. Here it is XXXX on XX/XX/XXXX and still no case closed and no money. I am dealing with a family emergency right now and can not afford to be able to travel to where I need to go for work as well. I may never be able to see my son again and I'm stuck because yet again paypal can intentionally deceive people about their money.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Ive reviewed my credit report and noticed the following inaccurate items. The accounts below are not mine : Capital One Account Number : XXXX Account Opened : XX/XX/year> Account Balance : {$0.00}
Consumer complaint received 2024-01-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Titanium Funds (NY)

from XXXX till currently I have been getting wage garnished from titanium funds LLC claiming I owe XXXX $ on a car loan which was sent to collections and when I called they told me the original debtor had filed bankruptcy and I was responsible for the charge stemming from XXXX, I told them I never had brought a car from them and to date they have taking over XXXX $ and I asked for the fraud department but no available. I am so frustrated with this and paying for someone else debt and I explained to them my information was part of a data breach and I've had my i.d stolen while in XXXX  for XXXX XXXX and other XXXX XXXX They don't care. I need help
Consumer complaint received 2024-03-28
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. (LA)

15 USC 1681s Unlawful Release of Consumer Report without consumer consent Dear CFPB, XXXX and Teletrack have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have never given XXXX or Teletrack consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my XXXX Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. XXXX and Teletrack did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX is not maintaining reasonable procedures.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

There is an XXXX XXXX XXXX bill that keeps showing up on my credit report. it was open in 2016 the account number is XXXX. I've done numerous dispute letter, and they refuse to reply. please help.