davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc. (FL)

I called R.A Rogers , Inc on XXXX XXXX XXXX  I spoke with XXXX XXXX XXXX XXXX XXXX. I identified and verified my identity to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that I received a letter in the mail regarding an alleged debt owed. I request that the ONLY convenient way to contact me is via email. I want to bring to your attention that after notifying XXXX XXXX XXXX I received a mail stating " This is the second notice to take care of your account with a balance of XXXX XXXXwith the above referenced creditor. '' I am hereby putting you on NOTICE in writing that. I am requesting VERIFICATION of alleged debt under Oath signed by a notary to authenticate that alleged amount owed is valid and lawful. I am also requesting that the ONLY convenient way to contact me is via email. See Attachment for more details.
Consumer complaint received 2024-02-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION (NY)

I initially purchased my Mortgage through XXXX mortgage and then my Mortgage was transferred to XXXX XXXX, XXXX XXXX, and now currently SN Servicing corporation. When I was paying my mortgage I kept getting wrong amounts due by months.. as a result I have been sent demand letter and the like from SN Servicing.. I believe under title 15 USC-1692a ( 4 ) my rights have been violated including the fact that SN servicing corporation has already been paid by XXXX mortgage but, had unlawfully trying to collect from me adding the amounts that are in fact incorrect.. can this matter be looked into..because SN Servicing Corporation isnt the original creditor which violates my rights as a consumer..
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (NC)

I noticed these problems on XX/XX/XXXXXXXX XXXX XXXX XXXX Account Opened XX/XX/XXXX Account Balance {$260.00} XXXX Account Opened/ Date Assigned XX/XX/XXXX Account Balance {$1100.00} XXXX  Account Opened XX/XX/XXXX Account Balance {$930.00} XXXX  XXXX Account Opened XX/XX/XXXX Account Balance {$310.00}
Consumer complaint received 2024-01-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (KY)

I have all emails that occurred in XX/XX/2024. Navy Federal Credit Union admits to discriminating against my father and myself both veterans for a joint loan we also lost funds with the current loan and I was almost homeless because I was told I had to sell to use my VA benefit but then we couldnt so now on the refi they are denying again but said it was a misinformation so they will work with us if we basically arent looking for another bank. 

Its awful and I feel like Ive lost everything and on top of it they just want to make things more difficult and cause hardship.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (IL)

XXXX XXXX minute recorded conversation was had by someone in XXXX XXXX XXXX Ally Auto XXXX XXXX 
XXXXPayment arrangements were discussed by a gentleman I spoke to. 
XXXX. XXXX payments ; XXXX {$290.00} on XX/XX/XXXX. the other of {$470.00} on XXXX XXXX. 
XXXX. Car was taken ANYWAY the next morning at XXXXXXXX XXXX XXXX XXXX I applied for XXXX XXXX and waiting on the Governments results. I feel I was misled.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — Store credit 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. (MA)

On XX/XX/2022, on my Macys card, I purchased a mens perfume for {$120.00}, plus {$10.00} destination shipping for a total cost of {$130.00}. I was emailed a order confirmation and tracking information. Tracking the package, I noticed that on XX/XX/2022 a mailing label was created but no other details. When the package was not received on the promised delivery date of XX/XX/2022, I called Macys to report the package was not received and pointed out lack of tracking details on the order status. I was told I needed to wait until XX/XX/2022 to file a report but customer service representative agreed about the lack of tracking details and said she will be it to the attention of someone. 
On XX/XX/2022, I received another confirmation of purchase of the same item and it was received by the party around the XX/XX/2022. I called Macys on XX/XX/2022, the bill closing period and was told I will have to pay late fees and my credit will be affected while the representatives laughed. When I went to the stores to attempt to resolve the matter, I was told to call the same customer service number. The total is now over {$400.00} and my XXXX XXXX is destroyed. 
I would like to resolve this issue, pay Macys the {$130.00} for the items purchased and have the negatives on my credit removed. Thank you.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not applied for any new lines of credit or installment loans. I need these inquires removed from my credit file. As well, send verification document that was used to apply this to my credit file.
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (TX)

I purchased a XXXX Washer and Dryer from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They sold Washer and Dryers that were either stolen or have a recall on them and did not disclose that information. Acima does business with this company. XXXX has a recall on their washer and dryers, he told me the washer and dryers were new, but they were not. when i got them, the serial numbers were scratched off of them so I could not provide XXXX with the information to have them come pick up the washer and dryer to fix the element that was wrong with it, when i called ACIMA they said there was nothing they could do after emailing them twice, they lied and stated that my number was not on file and everyone there was extremely rude and not helpful the resolution department is horrible and unhelpful. I need this washer and dryer out of my home before it burns the house down. the dryer also throws off my breaker anytime i ran it in the past making both the washer and dryer useless. Also, the guy made me pay {$60.00} for delivery and pay him {$100.00} upfront, this was a criminal event all around and I had no idea, i only wanted a washer and dryer because the last one broken down, Acima is a terrible company and I've done business with them in the past and had no issues. Also, I did not see the washer and dryer until they brough it to my home, I had no idea it had write stickers on it or the serial numbers were scratched off. Also, the guy has me lie to Acima and tell them that it was delivered the same day, but ti was not delivered until the following day at the end of the day the next day.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-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 inaccurate.
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AR)

With student loan repayments starting back at the end of XXXX, income driven repayment restarted. My income driven repayment date is XX/XX/XXXX, however this falls within 6 months of payments restarting and should be ( per federal government guidance ) pushed back 1 year to XX/XX/XXXX. I emailed Mohela about this correction > 1 month ago without a response ( other than an automatically generated email promising a response within a few business days. I called them about 2 weeks ago and informed by the customer service representative that I was correct and the date should be updated within about 1 week. We are now 2 weeks later and no update. I am concerned that my payments will increase dramatically within the next month if this issue is not addressed.
Consumer complaint received 2024-02-06
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: Chime Financial Inc (OH)

This complaint is about Chime.com. On XX/XX/XXXX and XXXX of this year I placed 2 orders with XXXX. The original amounts that were charge were XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I received both orders on XX/XX/XXXX and on that same day XXXX settled both pending transaction amounts but for a much lower cost. XXXX gave me credit for an item tha never shipped and they gave me a big discount on the second order. The first order came to a total of XXXX with a remaining balance of XXXX which should have immediately been released back into my credit account just like getting cash back. The second or which had a pending amount of XXXX placed on XX/XX/XXXX had a final cost of XXXX and the remaining cash back amount was XXXX. Both cash back amounts never got put back into my credit account. On Saturday morning after discovering that Chime.com did not release the remaining amounts of the 2 orders back into y account I called Chime.com and spoke to a woman named XXXX XXXX. She added up every transaction in my account and deducted the amount from my starting balnce and agreed with me that there was XXXX missing from my account. She gave me the reference number XXXX and placed me on hold while she spoke to other representatives.and promised me that it would take a cople of hours and my account would be fixed. I trusted this woman to her word but instead I ended up with 2 fake charges on my account from XXXX the next day for an exact total amount of what was owed to me. They paced a date on the charges of XX/XX/XXXX whaen there was never any such orders from XXXX XXXX. I called Chime several times and alo emailed them. I also called and emailed XXXX. The rep I spoke with at XXXX placed a note in permanent record stating to the fact that the 2 charges for my orders were true and that the 2 pending charges were not charges at but the cash back due to me. They also offered to have a 3 way phone call with me and Chime.com supervisor but Chime refused the 3 way call. Chime has refused to release my money. Be cause of this one of my bills due on XX/XX/XXXX was declined and I can not get several medications that I am out of and need for my health. I also can not buy the fresh foods that my birds require because Chime is holding my money hostage. I am going to leave instructions in the event of XXXX for the FBI to charge Chime.com XXXX, theft and cruelty to animals. I have first names only of the Chime.com reps that I spoke with and the one reference number. All asked is that Chime fix their mistake and they refused.
Consumer complaint received 2024-02-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XXXX XXXX XXXX XXXX was reviewing my monthly bill from Home Depot and noticed transactions I did not make or authorized. I had a card in my possession. According to Home Depot investigation the orders were placed online and picked at the store. So far, Home Depot did not provide any information of what the location of the store or any receipts of these unauthorized purchases. At that time my balance on the card was close to max of {$5000.00} so this XXXX was put over my credit limit without any authorization also. Home Depot released goods without any ID verification as I never lost my California DL. I consider that Home Depot Citi/Card failed to protect my rights as a consumer since they are refusing to remove dept from my balance and increased credit debt over the allowed limit without any request. I did what I could to protect myself by filing the police report, fraud report with FTC, and requesting to conduct two separate investigations by Citi Bank. Last investigation was completed by Security Operations on XXXX with the same outcome. Right now, the interest and fees are piling up on my account. Please help to resolve the issue as it is hard to fight against such big company like Home Depot/Citi Card .
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
and I am Seeking Help From the CFPB to DELETE all unauthorized Accounts. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-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 inaccurate.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (SC)

Both XXXX / experian has not properly validated or removed XXXXXXXX XXXX XXXX from my credit report. I have not inquired about this account or owe anything about this account. Filed with the FTC and local police station.
Consumer complaint received 2024-01-12
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. (FL)

During XXXX I made a reservation at what was initially advertised as a hotel then once reservation submitted, hotel became XXXX. I immediately canceled reservation. XXXX XXXX ( the XXXX  ) appealed and Citi Bank ( Citi ) reversed the charges and credited my account. Then, XXXX XXXX submitted an absolutely fraudulent 2nd bill that I stayed at their XXXX  on dates I was NOT in XXXX. I have been diligently and aggressively interacting with Citi inclusive of monthly calls, sending them screen shots of information Citi has requested. And, I have offered multiple times to send them screen shot of my passport with visa data, as well as making transactions on my Citi credit card when I was in XXXX. Citi has listened and blown me off. Most recently, on XXXX, fraud supervisor told me she would work this problem out and get back to me in no later than 2 days. She never got back with me. 
And yes, I have kept meticulous records. As of today, XXXX, I have been told by another fraud supervisor that the case is closed b/c too much time has transpired. Point in fact, Citi has delayed taking appropriate action and is presently invoking bureaucratic jargon and procedures to NOT return/credit my money. As I submitted ALL the information Citi required this was the most basic of claims to resolve. XXXX XXXX most clearly perpetrated a fraudulent transaction against me via Citi and Citi was negligent in allowing this occur. Citi is responsible for protecting fraud against their card holders. It is abjectly clear, Citi failed in my case.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (ID)

I had a Judgment against me on my public records. The court had entered it wrong so I went back to court and had it fixed. The Judgment now shows Dismissed. So after that I disputed it with Equifax. I sent them a copy of the court record the Judge her self gave me. They as in Equifax said that the copy that sent them was not Legit so they could not take it off my credit report. I than called them and told them that is the exact paper the Judge had gave me. They said that would not work, so I told them to look up on me public records where they get that info from and see it has been fix. The gentleman/supervisor said there is nothing he could do about it and then hung up on me.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc. (CA)

This is a second attempt complaint : Subject : Dispute of Debt and Request to Cease Communication Dear Sir/Madam, I am writing to dispute the validity of the debt referenced in your letter dated XX/XX/2023. I was on a XXXX tour in XXXX, XXXX. According to your communication, I am purportedly indebted to Central Portfolio Control , Inc. in the amount of {$2200.00}. However, I have no knowledge of this debt and do not have any outstanding obligations related to the matter mentioned. In accordance with the Fair Debt CollecLon Practices Act ( FDCPA ), I am requesting that you provide me with detailed information about the alleged debt, including the name of the original creditor, the account number, and a detailed breakdown of the charges. 
Additionally, please provide any documentation you have to support the validity of this debt. I am also exercising my right under the FDCPA to request that you cease all communications with me regarding this matter. Please take note that any further communication from Central Portfolio Control , Inc. in relation to this alleged debt will be considered a violation of the FDCPA, and I will not hesitate to pursue legal remedies available to me. Sincerely, XXXX
Consumer complaint received 2018-09-26
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: FACTUAL DATA CORP. (GA)

I did not apply for any mortgage online. I have disputed this with XXXX XXXX and XXXXXXXX XXXX twice and they are not working with me. I have also disputed this with XXXX credit reporting agency and they have refused to take it off of my credit report.
Consumer complaint received 2024-01-23
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. (WA)

Hello, On XX/XX/2023, I was scammed out of {$3700.00} by a company that forged my signature. I reached out to where I thought this company was based XXXX XXXX XXXX  to challenge the charge through the XXXX  Attorney General 's office, who provided me information that the company used a spoof number, and several front companies to hide their transactions. I filed a dispute with Citi, who initially returned the charge. They then sent me notice that the charge is valid by showing me a document I did not sign ( with a signature on it ). Citi then " told '' me I have XXXX XXXX to respond, but I never got any paperwork on the matter until the XXXX XXXX had long past. I have field complaints across several platforms in hopes of having the money returned to me.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Around XX/XX/, I tried to use my Amex credit card and was denied. Since I paid it and have excellent credit, I was puzzled. Then I received a letter from Amex addressed to my estate saying they had been informed that I passed away. Since that was incorrect, I immediately called Amex and due to my phone number, was transferred to XXXX XXXX. I then sent a letter to Amex via certified mail and asked it to provide to me evidence of my death and who sent that information. Amex never provided any verification, but then re-opened my account. 
I need the information that led Amex to close my account because now another creditor sent me a letter stating that I passed away. This is a big problem because some of my credit cards have automatic payments and I don't want to have a problem with my accounts not being paid. This is my personal information and I deserve to know what transpired and who is falsely stating I passed away.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I believe Mohela has mishandled my student loans and my IDR request. I submitted a request for loan consolidation on XX/XX/2023 which included a request for the PAYE plan. The consolidation has gone through, however the IDR request is still pending. I called Mohela in XXXX regarding my pending request and I was placed on an administrative forbearance to allow this to get processed. Since then, I have been placed on the level plan and I am still waiting for my IDR plan to get processed. My monthly payment is astronomical compared to my anticipated IDR payment plan. I have since called and message Mohela in XXXX to still have no updates. Now I have a payment of {$1900.00} a month and it is showing I am past due over {$5800.00}.