davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (MN)

In XX/XX/year>, I received a credit alert from XXXX stating that my CitiBank/Best Buy credit account had been closed as of XX/XX/year>. I confirmed on my credit report that, indeed, my CitiBank/Best Buy credit card account was reporting as " closed by consumer. '' I noted that XXXX was the only credit bureau reporting the account as closed ; XXXX and XXXX were reporting my account as open and in good standing. I contacted CitiBank/Best Buy credit card customer service in XXXX, and the representative I spoke with confirmed that my account is open with a credit limit and available to spend limit of {$10000.00}. I further confirmed on my Best Buy app that my credit card account is still open and has a {$10000.00} credit limit, all of which is available for me to spend. The representative stated she would file a credit dispute on my behalf, which would send data to XXXX to state that my credit card account is open, active and not closed. I also filed a credit report dispute of my own, directly with XXXX, to dispute that this credit card account is open and active. As part of my dispute through XXXX, I uploaded documentation to their dispute portal -- screen shots from my CitiBank/Best Buy credit card showing that the card is open, active and I have {$10000.00} available to spend -- to support my dispute. On XXXX XXXX, XXXX completed its investigation into my dispute, and they state that the creditor has verified to them that the account is correctly reporting as " closed '' and " closed at consumer 's request. '' This is knowingly false and inaccurate information by both XXXX and CitiBank/Best Buy credit card. I called CitiBank/Best buy on or around XXXX XXXX, and the representative again confirmed my account is open and active. She also stated she saw the internal credit report dispute that CitiBank/Best Buy filed on my behalf, and the response they received to that dispute did not make any sense. As the consumer, I am caught in the middle between XXXX blaming CitiBank/Best Buy and CitiBank/Best Buy blaming XXXX for falsely and XXXX reporting my account as closed, when the account is no such thing. Furthermore, I believe that both XXXX and CitiBank/Best Buy are doing nothing more than passing the buck, each blaming the other, but neither of them taking the legally required steps and actions to correct this error on my credit file. My credit score dropped several points as a result of this reporting, so it has caused me tangible harm when I applied for a mortgage loan this week. I have attached a copy of the XXXX XXXX XXXX dispute investigation results, showing that both companies are irresponsibly and knowingly reporting false, inaccurate data to each other about my account.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (OH)

Navient was supposed to forgive my loan on a payment plan that I had several years ago but did not. I thought that the plan was too good to be true and should have been more cautious. I saw that there has been a settlement and wondered if I would qualify for payment.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (OH)

claiming to be a company called " XXXX '' and that i am being sued to a debt owed to citi financial. i've never had an account with them. the number they called from was XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS (TX)

Recently I disputed 2 evictions on my consumer report which you stated came back verified.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my wet signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following evictions be verified with proof of an original consumer contract with my wet signature or removed immediately : Eviction for address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Eviction for address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, { XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXXXXXX XXXX XXXX XXXX {$8300.00} these debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. they furnished these account that we didnt agree upon and i didnt sign an agreement on a legal contract is signed by two parties and i did not participate in any of it more so they didnt follow the proper 5 step vaildation procedure which make this unfair practices. according to the FDCPA im entitled to {$1000.00} dollars. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money ; and, was successful in creating some accounts all is being investyigated by the ftc
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA (MI)

My Apple Card was suddenly closed in XXXX of XXXX  due to multiple fraudulent activity, and my Apple Cash Account was locked. The fraudulent activity was out of my control and I also reported identity theft to the police with proof due to multiple bank account and credit cards getting hacked. I have been trying to find answers by calling support numerous, but no one has been able to provide me with a clear and specific reason as to why my accounts were shut down. All they have been able to tell me is that it was due to " regulatory reasons, '' which is not very helpful. 

As far as my Apple Cash goes, there was a dispute filed to my XXXX due to me thinking it was a fraud transaction since at the time I was going through multiple hacked accounts. After I realized that I was the one who completed the transaction I sorted it it with my bank stating that it was not fraud and the issue was then resolved. To be completely restricted due to this mistake without warning or discussion is unacceptable. I would use Apple Cash very often and it was used to make payments to merchants, friends, businesses, bills, etc. and out of nowhere XXXXXXXX XXXX XXXX chose to restrict my account permanently without any explanation. I called Apple support multiple and they could not help me in the slightest. 

I have never committed any type of fraud. 

Despite being told that I can transfer my money out at any point, I haven't been able to do so yet because my account is locked. 

However, the real issue is wit

h the Apple Cash being closed, because that was my only way of payment to people and it was taken away from me due to something that was out of my control. I can't prevent my identity being stolen and I soon as I saw fraudulent activity on my account I reported it. I have asked numerous of times why they restricted me from Apple Cash and they
never give me an answer. I have been given the run around multiple times without any progress or solution. 

I know Apple Cash is affiliated to XXXX XXXX  and they made the decision to permanently close my account without explanation. I have been without Apple Cash for over a year now without warning and need XXXXXXXX XXXX XXXX to reinstate my account. This is completely wrong and unfair and I do not appreciate the lack of communication as well. 

In summary, XXXXXXXX XXXX XXXX  has mishandled my Apple Cash account and created unnecessary complications. I urge Apple to review and correct their procedures regarding unclaimed properties to prevent similar issues for other customers.
Consumer complaint received 2024-08-22
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

CARRINGTON mortgage did not apply any relief during Covid 19 or forbearance for 180 days. I lost my job XX/XX/XXXX as a Federal Civilian and was charged late fees for over 11 months and was forced to file for bankruptcy. They were contacted via phone for over 3 1/2 years to date and I finally received a payoff statement XX/XX/XXXX after reaching out to a FHA-HUD Investigator who is working on this serious case. 
CARRINGTON has also discredited my Credit Report with all 3 credit report companies ; which is also under investigation with my lawyer.

Without the options to relieve me financially during Covid, CARRINGTON mortgage continue to charge me late fees, ruined my credit and ignored my calls stating I was not in their data base system until I informed them I had legal representation & FHA-HUD investigation involved.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

For sometime I have banked with Truist Bank a great banker outstanding services and great people work there. But they gave me a short term loan, but will not issue a paper statement or report my payments to the credit reporting agencies to help my credit score and something is wrong with the bank ATM system. I can never access my saving account at the ATM. I always have to call into the office to get them to transfer my cash to me. I have reported this over and over something is wrong with me using my ATM card to view my saving account or transfer money to my checking from my saving. please help. other than that i can not say they are bad. this is a great place to put your money in and they did grant me a cash reserve account, but will not report me paying back the loan. 
Sincerely, what happened at my good bank
Consumer complaint received 2024-09-06
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: CREDIT ACCEPTANCE CORPORATION (NC)

This account is reporting inaccurately, I am seeing repetitive late marks and inaccurate payment history, I see repetitive 30, 60, 120 & 180 days late marks which is clearly inaccurate and in violation of the FCRA, since XX/XX/year> XXXX is reporting GOOD payment history while XXXX XXXX XXXX is reporting with late remarks.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IL)

I opened a citi account last year but the bank closed it for some reason. Now they are reopening it without my approval, and began sending me statements. I tried to call them but they say that they cant verify me. They want me to go to a branch, but I dont have XXXX near me. Im XXXX  that they are going to begin charging me monthly fees. Also, they havent returned my initial funds in the account.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp. (TX)

XXXX XXXX has trueaccord debt collectors but Im paying this account with indebt charge solutions to them they still reported acharged off and bad credit to all 3 major credit agencies they promised to clearing this debt account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Consumer complaint received 2024-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

It has been since XXXX of 2024 that Newer has been " performing/conducting '' an escrow analysis. I provided my XXXX rating to them in XXXX of 2024, they never called back to say more was need to complete my XXXX XXXX to reduce my mortgage. I learned through another veteran that I need to submit a XXXX balance tax bill, which I submitted via my mortgage/loan services portal around XXXX. I was told, when I called, that they would need to do an escrow analysis and it could take XXXX days. I waited XXXX months called back, they still hadn't completed or either shown progress on the escrow analysis. So the rep, I talked to stated he would request an escrow analysis as it looks like nothing was requested. My mortgage is still not reflecting my tax exempt status nor have I received my excess escrow funds.
Consumer complaint received 2024-08-22
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)

I was told that I had to file a FTC report the website directs to CFBP was told to file as somthing else under ftc website will not let you copy the report just give you a reference number I have unauthorized inquiries I should have. XXXXXXXX I have attached the FTC REPORT NUMBER WITH THIS CFPB REPORT since website to file report no longer will take report and will not let you make copy of report when done under something else as told to do by Equifax supervisor spoken to under REFERENCE # XXXX
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Citi bank has locked my account on XX/XX/XXXX. 
They told me that I need to wait for a letter with a reference number they are sending. 

On XX/XX/XXXX, I found out that they sent the letter to my old address. I've used my current address when I signed up for their account so I don't know how they even got my old address. 

So I call them again and they say I have to wait for the letter again. 

I've asked if the letter can be sent by next day shipping and I've also asked if I. Can go into one of their branches to get my money out and close the account. 
Nope. the only way is to wait another 7 to 10 business days for the letter.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I attempted to place a credit freeze online but was unable to do SW. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

The same thing that happened last year is happening again. Please reference my complaint from last year. 

The only difference this year is I declined to pay for the homeowners insurance out of pocket. I am now getting letters from both PennyMac and XXXX XXXX about the policy pennyMac is threatening to buy separate insurance when I have had the same policy for XXXX years and XXXX XXXX is giving me a past due notice. It continues to be a problem that the mortgage company and the homeowners insurance do not communicate when they are required to manage the insurance and not involve me ( particularly when they NEED to talk to each other ). 

It is my understanding that our federal conventional mortgage should roll the payment of homeowners insurance into our monthly payment so that it is divided up over 12 months and not prepaid for the year. 

Thank you in advance.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Strategic Alliances, Inc. (MA)

On XX/XX/XXXX I saw a delinquency report on my XXXX account. I was concerned because to my knowledge I didnt have anything delinquent. It was listed by First Portfolio Ventures, phone number XXXX. I called this number to inquire about the report. I was told that the last payment of the personal loan I had ( their reference number XXXX ) was not received. This loan was paid completely by automatic withdrawal from the company. From day 1, the money was in there for 4 or 5 years the life of the loan. No late or delinquent payments. Never a call to say the money wasnt in the account. Nothing. So I was perplexed. Why hadnt the last payment been taken out? I assumed the loan was done. Then 3 months later my credit score tanked. 
When I asked what happened they said the final payment was a different amount so they couldnt take it out without permission. I told them nobody ever called to tell me this and when the girl, XXXX looked through the file she said you are right nobody did. So I immediately asked what to do and paid it as soon as I got off the phone. I believe I had to go online to pay it. They credited it on XX/XX/XXXX. However they never removed the delinquency from my credit report. My score was up in the mid 700 range and now it is mid XXXX. My payment history for my credit has been impeccable. If you look at my report there is 1 negative thing in 7 years. I had tried to call and speak with a manager after the initial call and had to leave a message for someone to get back to me on XXXX occasions. Nobody ever returned my call. The last time I called they told me that the original owner of the loan took back all information and they werent allowed to do anything further with those accounts.
Consumer complaint received 2024-09-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ACIMA CREDIT, LLC (RI)

I called to pay off the balance and the fees went up by over {$1000.00} and they refused to waive the fees. Their practices are illegal and there is a lawsuit current that I want to be a part of. They are refusing to honor the early payy off agreement.