davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account :
Consumer complaint received 2016-06-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Borrower of a Home Equity Line of Credit ( HELOC ) was approved for a Trial Loan Modification on XXXX XXXX, XXXX with an initial 3 month trial agreement that commenced XXXX XXXX, XXXX through XXXX XXXX, XXXX and payments of {$3300.00}. After the initial 3 month trial payments had been made by the borrower, the loan servicing company, Bank of America Home Loans told the borrower to continue making the trial payments until he received a permanent loan modification. The matter was escalated and finally on XXXX XXXX, XXXX the borrower received a package dated XXXX XXXX, XXXX with a " Home Equity Line of Credit Modification '' with instructions to sign and return the agreement by XXXX XXXX, XXXX. Upon calling the Bank of America representative on XXXX XXXX, XXXX to ask for an explanation of the terms of the agreement and to request how the " Trial Loan Modification '' payments from XXXX XXXX through XXXX XXXX would be applied. The Bank of America representative scheduled a follow up call on XXXX XXXX, XXXX and stated that there were mistakes with the calculations of the Home Equity Line of Credit Modification and that a new contract would have to be created, thus the borrower should not sign the agreement. The next call was scheduled for XXXX XXXX, XXXX as Bank of America would have some more details or a new contract. The call on or around XXXX XXXX, XXXX, simply said that no modification would be granted because the borrower never signed the original agreement. The borrower received a letter stating that the loan modification was denied. This letter was received on XXXX XXXX, XXXX but dated XXXX XXXX, XXXX
Consumer complaint received 2024-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Neon Newco Corporation (CA)

My personal ID information was leaked in a major security breach from my employer several years ago. Since then, I have frozen all of my credit lines. But several " XXXX XXXX companies can apparently open accounts without either confirming ID or checking your credit. I have had to close XXXX and XXXX accounts that were opened in my name and had cards sent to me. 

The current situation is with a company called NetSpend. I received a card in the mail that I did not request and it coincided with a different XXXX card so I'm guessing that this was obtained using my information, like the other one. I have tried to cancel this card, but it pretty much impossible due to the byzantine nature of the " support '' from Netspend. I tried their online chat, both the bot and an agent, and they were unable to help me. The agent directed me to their phone number, but it is a circular phone tree that won't let me get anywhere until I activate the card by entering my SSN, which I absolutely do not want to do. Their email support also simply directed my to the phone number and the FTC fraud line. This is customer support so bad that it feels like it should be illegal.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (DC)

I received a piece of mail from NetSpend, operated by XXXX, XXXX. on XX/XX/year>. It contained a physical debit card as well as an account number, routing number, and my full name. Having never authorized the opening of such an account, I believed someone had stolen my identity and opened the account in my name. I called their customer service to close the account and report fraud. The customer service agent was unhelpful and told me there was no account. Effectively, without saying so explicitly, she indicated that this was simply a marketing tactic.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

I opened up my first credit card this year with XXXX  XXXX XXXX then I downloaded XXXX XXXX to make an account to make an account using my social security card and it said it was already being used. I tried many ways to get access the account and I logged in and saw a collection from XXXX  that I did not do
Consumer complaint received 2020-05-29
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. (CA)

Dear XXXX : I disputed a fraudulent credit card with Experian via Mail on XX/XX/20. The dispute results remained on my Credit Report. 

The item XXXX  XXXX XXXX is inaccurate because I have no knowledge of ever opening this account. This is a fraudulent account and the creditor has made a error which they admitted. Either way I am requesting that the item be removed to correct the information on my report. 

Enclosed are copies of my CA Drivers License, a copy of my current utility bill, and dispute form supporting my position. 

I have spoken to XXXX  XXXX XXXX Frauds Department ( XXXX ) and they have concluded that the account is fraudulent and have closed the account per the fraud XXXX XXXX. Please investigate the disputed item as soon as possible and remove from my credit report.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have a Citi card with a 0 % balance due to a balance transfer. On XX/XX/year> I used this card because of a merchant offer by this company. It was used at XXXX XXXX XXXX XXXX in the amount of {$22.00}. My billing cycle ended on XXXX for this particular purchase. This new billing cycle showed an interest fee of XXXX but there was no outstanding balance in the previous cycle for there to be a fee. In contacting customer service they explained that if an outstanding balance was not paid in full by the due date a fee would ensue. I understand that but there was no balance that carried over that wasnt part of the interest fee transfer. There should not have been a fee. They continues to reiterate this but still didnt see how there was no balance that carried over but in fact a new balance in the new cycle that if not paid in full by XXXX the new due date would incur a fee. I completely understand that but the fee was charged ahead of time. I didnt get any understanding from the XXXX different agents I communicated with. 

So to summarize my statement balance for my XXXX bill was only interest free. XXXX XX/XX/XXXX. 
New bill due XX/XX/XXXX shows not only the charge I did use but a fee for said charge before it actually was meant to be charged a fee.
Consumer complaint received 2024-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (MD)

Credit control LLC sent me a letter on XX/XX/XXXX stating I had a debt with XXXX XXXX XXXX XXXX I have not lived in Texas since XX/XX/XXXX. The bill went to collections and it is fraudulent as I never opened the account. I never received bills regarding this energy bill till XX/XX/XXXX.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC (NC)

I paid my credit card bill on XX/XX/year> with my debt card but before I paid it I ask was I in the automatic system she said no so I paid my XXXX dollars then the system took out another XXXX dollars on XXXX they refuse to refund my money
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

In XX/XX/XXXX I was contacted XXXX  email by XXXX credit report that my credit score went down. I logged in and seen I had 2 late payments XXXX 30 days and XXXX 60 days. I reached out to citibank on XXXX XXXX I spoke with a team member XXXX from kentucky of citi bank her member Id was XXXX. I explained to her I never got statement 's for XXXX, XXXX, XXXX. XXXX then said I signed up for statements online and thats why I have not received Cc statements. I told her how is that possible if I signed up for online statements since XXXX and all that time more then 6 months I was receiving paper statements in the mail which I have, not only that I never requested online statements, XXXX response was that im the only one with access to change the paper mail statements online. I told her that I never even sighned up online for an account so how is that possible, besides that I was receiving statements by mail since XXXX and all the sudden I stopped getting them by mail and I thought I dont owe any money. XXXX put me on hold for 15 minutes to conduct her investigation and came back on the line and informed me after her investigation there was a glitch in the system and she will remove the to late payments from my credit report. After a while I called in to citi bank and I was told that my request was denied. I was assured by XXXX it would be removed!,
Consumer complaint received 2024-11-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

We just got a notification of FCL and we are shocked as we have been making our mtg pmt per our original agreement which was originating with XXXX mtg. This mortgage was transferred to Shellpoint mtg in XXXX of XXXX. We have contacted them Numerous times and were told for past 60 days that they are researching the loan boarding information and the Issue regarding loan # XXXX. Additionally, to our request to send us detailed pmt history they sent us someone else history with their info. I am sure that is the core problem with this account as at the boarding process they mixed up few accounts but now they are foreclosing on me. There is the history of what happened : Upon review of my loan account records, I noticed discrepancies in the applied charges and statements. The errors include incorrect interest payment amounts and wrongfully increase principal amount and not responding to requests for review of the issue. 
This loan These mistakes have subsequently led to late penalties that I believe are unjustified, as my payments were made in accordance with the loan terms. I have spoken to several supervisor and my account has been noted and I was told that the issue is under review. However, no resolution has been reached and you continue to harass me regarding late payments. In XX/XX/XXXX, you notified me that my loan had been moved over to Shellpoint and since then there has been a mistakes and issues with my loan. 

All required interest payment has been made on time and in additional principal payments. Payments and dates listed below : XX/XX/XXXX - {$360.00} XX/XX/XXXX {$500.00} Then this was transferrred to Shellpoint XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$360.00} XX/XX/XXXX - {$340.00} All these payments are processed, applied but they keep sending us the delinquent payment notices and we keep calling them and they keep putting notes in the system for back unit to investigate. But Friday we got a FCL notice from them and I am not wasting another phone call with them.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (VA)

XXXX XXXX Hope all is well first i would like late payments deleted off my credit report due to 15 USC 1692c, 15 USC 1692g, 15 USC 1681e. 31 USC 3123 AND 18 USC 8 STATE ALL BILLS ARE PREPAID THEN WHY ARE IM I PAYING DOUPLE. 
18 USC 894. I WOULD LIKE THIS TO BE TAKING SERIOUS BECAUSE MY CONSUMER RIGHTS CONTINUE TO KEEP BEING VIOLATED.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Hello, XXXX Citicard has been suspended multiple times for non payment. I have made regular monthly payments following the same process in a timely manner. However, payments are lost/not applied by Citibank randomly XXXX They suspend my card, resulting in negatively impacting my XXXX XXXX and ability to use the card. 
Every single time, I have called in, filled out the paperwork, and CitiBank is then able to trace the payment and retroactively apply it to my account. However they are unable to provide me with a permanent resolution to avoid such occurrences in the future. The entire process takes over XXXX weeks during which time the card stays suspended unless I make an additional payment over and above the minimum amount due. I do believe that this constitutes as fraud and harassment. 
The most recent phone call with a supervisor, XXXX made on XX/XX/year> at XXXX basically implied that they are not able to help me and this will continue. He was extremely rude and simply refused to understand that it is Citibank that is failing to apply my payments resulting in undue hardship on me.
Consumer complaint received 2024-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CENTRAL BANCOMPANY, INC (NJ)

Central Bank of Missouri has held our money for almost a year now. During closing the original owner was to fix the foundation and we were asked to put up {$3000.00} just in case if the job went over. That was agreed upon by all so we gave them a {$3000.00} check until the work was done. Once it was done, the appraisers went back out to check the job and lowered the value of the home due to the paneling that was taken down in the basement, and a fence that was uprooted during the repairs. We were able to repair the fence on our own but the basement is still being redone after the paneling was taken down for the repairs. Central Bank has kept the money saying that the value of the home is less and has changed the reason why the money was kept. We have tried many times in good faith to get the money back but they refuse. They changed the reason why the money was held and refuse to give it back.
Consumer complaint received 2024-11-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (GA)

I have gotten 5 calls/day from XXXX XXXX and CitiBank/Best Buy about me opening a credit card account from there in XX/XX/year> and my payments that are due. I have not opened up any credit card account at either place. XXXX said I owe them over {$400.00} and Best Buy said I owe them {$1400.00}. Because of this and me being unaware, my credit score has dropped.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (KY)

This creditor XXXX XXXX has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (DE)

In XX/XX/2023 I was granted a remission payment and received a check of {$23000.00} from the United States Postal Inspection Administration office for documented pecuniary losses in connection with United States v. Moneygram International Inc. ( Reimbursement Claim # XXXX ). 

On XX/XX/XXXX I deposited the Remission check in good faith into my checking account at my local Branch at TDbank in XXXX, Delaware ( phone ( XXXX ) XXXX XXXX. 

One week later I received a call from Security at TDbank questioning the validity of the check and was told my account is frozen, claiming the check is under suspicion for Fraud.

The check has now been held by TD for almost 4 weeks. I personally visited the Branch with supporting documents explaining the check is valid but with no avail. 

The XXXX Remission Administrator responsible for the distribution of checks is XXXXXXXX XXXX XXXX  XXXX California and can be reached at ( XXXX ) XXXX XXXX my personal email XXXX phone ( XXXX ) XXXX Looking forward to your reply. Thank You
Consumer complaint received 2020-05-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MN)

On XX/XX/XXXX I requested a payoff amount for my loan, I am in bankruptcy so there is already hoops to jump through. On XX/XX/XXXX the person I called said it was faxed to the closing attorney. I called the closing Attorney and they said that they have not received a fax. I called back on Tuesday the XXXX and they said it takes 24 hours for it to upload and be in their system to re fax it. I called back on the XXXX and they said it takes 3 more hours, still nothing, called back again and they said the same thing. Same thing happened on the XXXX, called a couple times as well. Called today XX/XX/XXXX and they said it takes 10 days to get the payoff amount. I told them they said it should take 24 hours and the guy said no it takes 10 days. I asked to speak to supervisor and the original guy hung up on me. I called back requested supervisor and she said nothing was submitted at all!! She then said she would escalate this and submit it ASAP and I should get the payoff next week. This could cost me the sale of my house taken this long to process.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/year>2024 On date XX/XX/year>2024, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/year> On date XX/XX/year>, I submitted a dispute to Equifax disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX