davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Dear Sir/Madam, Attached, please find the letter I sent to Citibank on XX/XX/2021, requesting for them to reimburse me for the loss of XXXX XXXX ( {$2500.00} ) in funds that were withdrawn from my savings/checking account without my authorization. 

Today as I write this letter, it is over two months ( 2 months ) since the funds were removed from my account and over one month ( 1-month ) since I requested to obtain all copies of the information used in their investigation. I am entitled to receive this information by law. Attached, please find a screenshot of half a page of a XXXX Investigation Commentary, which I will abbreviate as ( XXXX ). I also contacted XXXX and informed them of the fraudulent activity on my account. 

In reviewing this XXXX, it appears to me that : Citibank did not conduct a thorough investigation based on the half-page XXXX document that was provided. Indeed a thorough investigation would include things like other disputed transactions involving Citibank customers, XXXX, and the name of the " receiving bank. '' I am asking that Citibank look into that connection. 


Despite apparent authorization ( as they contend ), the transactions are unusual and out of character for my account, which has been at Citibank for thirty-nine ( 39 ) years. Therefore these transactions should have been flagged by Citibank as suspicious. 

Citibank does not identify the receiving bank. Why? This lack of disclosure indicates to me some bad faith effort on their part. 

If Citibank has records of multiple disputed transactions with other customers involving the receiving bank, they should have known there was a pattern of fraudulent transactions with that bank. 

Citibank has a fiduciary duty to protect its customers from fraudulent transactions. If they have pre-existing knowledge of problems with transfers to this existing bank, this will make them liable for failing to take steps to protect me and prevent this fraud. 

When I filed my claim with Citibank on XX/XX/2021, I also submitted a police report. Citibank states that they stand ready to provide full cooperation to law enforcement officials in any pending investigation. If this statement is sincere, they should be willing to give a list of all disputed transactions involving the receiving bank. 

I want to reiterate that Citibank states they are sensitive to my situation. If they are sensitive to my victimization, they should treat me as a valued customer and share all information gathered in their investigation. Failure to provide all information indicates that Citibank simply and arbitrarily is denying my claim for a refund. Meanwhile, their unwillingness to do so continues to inflict on me significant financial hardship and tremendous stress.
Consumer complaint received 2024-08-22
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. (MI)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

- On XX/XX/XXXX a series of unauthorized transactions were made on my Apple Card by Goldman Sachs, and were reported immediately to the service department. Provisional credits were made for each, and eventually became permanent, with the exception of the largest disputed amount of {$400.00}, which was charged at an undisclosed XXXX XXXX location. 

- The investigation resulted in a reversal of the provisional credit, suggesting that I had in fact made the charge myself, which was false. I requested that the dispute be reopened in XX/XX/XXXX, and it took 2 months and weekly phone calls/complaints for them to reopen the dispute and make a decision on issuing a credit. I received an email on XX/XX/XXXX indicating that the investigation was complete, and that I should receive a permanent credit of {$400.00} on my account. However, weekly inquiries have resulted in unfulfilled promises of the credit being applied, and has not been resolved. 

- As of the date of this complaint ( XX/XX/XXXX ), no credit has been applied, despite numerous " escalation requests '' and commitments from representatives that this should be resolved in a matter of " a few days ''. 

- Goldman Sachs is still holding me responsible for the disputed amount, despite issuing an email to me stating that the dispute was to resolved in my favor. " XXXX '' a purported manager in the fraud department indicated this is simply a " IT issue for alot of accounts, not just yours ... '' and that " IT just hasn't gotten around to it yet. '' XXXX was unable to make any promises or commitment for timeline for resolution as of the date of this complaint.
Consumer complaint received 2021-04-24
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: Radius Global Solutions LLC (SC)

Radius global and XXXX reported inaccurate information to experian which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then global had scammed me and made 3 complaints which lowered my credit score. All in all experience and global radius don't show accurate depictions of my financial life
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

A company called XXXX XXXX submitted a hard inquiry to my credit report as someone with my information tried to open a line of credit. I contacted them via email and phone on XX/XX/XXXX. They told me via phone that the account application would be removed, the inquiry would be removed from my credit report, and that it was a fraudulent activity. I put a freeze on my account with Experian. They stopped responding to my emails on XX/XX/XXXX. I followed up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent them documents from the FTC asking them to remove the inquiry on XX/XX/XXXX with no response. 

I contacted Experian several times and each time was told that XXXX XXXX needs to be the ones to remove the inquiry from my file and not Experian. I tried sending documents from the FTC to Experian through their website, but the page won't accept the files. They tell me to download a form to mail the documents to them, but the form doesn't download.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Back in XX/XX/XXXX I noticed several erroneous names and other information on my Equifax report. One was that it listed me as putting an " Active Duty Alert '' on my account. I have never been in the military. I called. The people on the phone want outrageous amounts of information like on what date I opened a credit card or what the last amount was on a credit card. My husband pays the bills and we have quite a few credit cards. How can someone remember in XXXX what their outstanding balance on one card was in XXXX or what card was opened in XXXX? So I had to hang up. I went on line and reported the errors. The Equifax system would now allow me to change the " Active Duty Alert '' even though there was a button to " manage alerts ''. So I submitted requests to fix the name and address issues. I faxed and mailed a letter on XX/XX/XXXX to Equifax. In XXXX I checked the account and some info was fixed. I fixed what was still wrong. BUT, the Active Duty Alert was still on. I faxed and mailed another letter on XX/XX/XXXX. In XXXX I checked again and once again the " Active Duty Alert '' was on the account. I sent yet another letter to Equifax. All of my requests have been ignored. I just checked and the Alert is STILL on my account despite 3 phone calls, 2 faxes and 3 letters over almost 6 month. For some odd reason someone else or Equifax was able to set up the Active Duty Alert but they will not take it off when I tell them that I did not request it and that I am not on active duty. I've called several times to fix it and each time I get people who are outrageous in their requests for information from me. At one point the person was delving so far into my life that I hung up. Equifax should not even be allowed to operate in this arena, they are that bad. They are disgraceful. I'm attaching the two faxed letters. The second faxed letter from XXXX was actually mailed again in XXXX but it was the same letter.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

My Mortgage is with PHH as serviced and is owned by XXXX XXXX, even though I do not believe it is legally owned by them. Anyway with all the issues going on with Covid, I fell behind and my lenders were kind enough to give me a forebearance but they were legally suppose to because of monies they received from the government. They are not allowing me to get a deferment and have been denied that to put the past due at the end. They say the protection s will last untilXX/XX/2021 but I want this resolved now pls help us!!
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC contacted my family members by searching other phone numbers associated on my cell phone account and gave out information without my consent. The amount owed is {$960.00} for a credit card I owed {$250.00} on ( {$250.00} limit with XXXX XXXX XXXX ). I have asked them to stop contacting me after they declined my offer to settle the account for the amount I originally owed to XXXX XXXX ( {$250.00} ).
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2021-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

XX/XX/XXXX I purchased my home with XXXX XXXX Mortgage in XX/XX/XXXX. After living in my home for 1-1/2 year, I received a call from Quicken Loans offering me their service with regards to refinancing at a lower rate. I agreed and the closing took place in XX/XX/XXXX. My mortgage payment went from {$1100.00} toXXXX and I was very pleased. Nevertheless, in XX/XX/XXXX I receive a letter from the XXXX XXXX Tax office requesting payment for my XXXX taxes, all this time I thought Quicken Loan/Rocket Mortgage had handled the monetary part of the contract. My understanding was that the mortgage payment covered the principal, homeowner insurance, taxes and the escrow account, etc. Quicken Loans/Rocket Mortgage paid {$260000.00} ( incurred late fees ), original amount was {$2500.00} had it been paid on XX/XX/XXXX. 

After my above explanation, here comes the disturbing ( scary ) part : I received a Annual Escrow Account Disclosure Statement dated XX/XX/XXXX, with an increase to my mortgage of {$480.00} beginning XX/XX/XXXX. Supposedly I did not have enough money in my escrow account. Why now? I have always had funds in my escrow with XXXX XXXX Loans. I have had four other homes and never did I encounter any problems with my escrow accounts. I called Quicken Loans/Rocket Mortgage about their letter and the woman I spoke to could not explain what happened, but did ask if she could transfer me to the loan dept. to request a $ XXXX loan to have it deposited into my escrow account. I declined and told her I did not need another bill and asked that she have someone call me, no one ever called. Now from XX/XX/XXXX to XX/XX/XXXX my mortgage will be {$1500.00}, afterwards it will be {$1200.00}. This is outrageous, I do not have this money and never in my right mind could I have imagined this happening to me. I am speechless and confused ; I find it to be totally incomprehensible and unfair. Please, I need your help!!!
Consumer complaint received 2021-04-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

In XXXX of XXXX I was on a modification and I unsuccessfully was able to pay online I called and never received a phone call because all companies at that time were shutting down and scrambling to put people in place to work from home, so I was cheated out of my first modification and had to reapply. I reapplied and was approved for a new modification that was substantially higher and supposed to start in XXXX but because I was unable to secure my unemployment benefits I was given a 90 day extension which made my start date XX/XX/XXXX. I was told it would be the three payments they same as any other XXXX, XXXX, and XXXX so I started making payments, they call would call me twice a month and at no time was I told that I would be required to make two payments in XXXX Until I called in on XX/XX/XXXX to make my last modification payment and was told that I had to mail the last payment in and that I was to wait until I received the final modification papers, which was odd because I always pay over the phone. I was told I couldn't pay online until the modification was complete but that they wouldn't except it over the phone, then I was told that they sent me a letter in XXXX of XXXX. Someone shows up last wk said the lender sent them because it was reported the house was unoccupied, how ironic. Friday the XXXX I received a phone call from a representative who informed me that they had cancelled the modification for none payment and that I would have to reapplying and that they had no other information for me. Saturday XX/XX/XXXX I received a statement saying that they were requiring a payment in the amount of XXXX towards my loan. This is the second time they have done this to me, I have suffered the loss of a job, I have been sick with the virus and Im still struggling financially but I have managed to make the payments, PHH which is formally Ocwen has really been unprofessional and unresponsive when needing assistance, Im asking for assistance in this matter because this seems to be the way they cheat people out of there somewhat reasonable payments, then they take forever to respond and when they do you owe all this money because you haven't paid waiting on a response from them. Times are hard and people are struggling and im one of those people. If they take my house I will have no place to go, I know that Mortgage companies along with other business have received grants and other forms of monetary assistance in a effort to help people stay in there homes. I also know that all calls are supposed to be recorded for quality assurance and Im asking just that to pull the recordings as proof that know one mentioned anything about double payments. Your assistance would be greatly appreciated, I have been in this house for over 20 years and would hate to loose it because of miscommunication and unprofessionalism. Also the late fees and price gouging is terrible. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2021-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (KY)

I sent a letter to amerifinancial solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX asking them to validate a debt that I saw on my credit report. Instead of validating the debt, They sent me a letter on XXXX that contained my medical records with procedures and services done which I know is a direct violation of XXXX regulations. I never signed a XXXX form authorizing them to have access to this information.
Consumer complaint received 2021-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NJ)

I need some of the amount from payments where I was paying extra to be applied to the principle balance instead of toward interest on the loan. Ive been calling on the matter since XXXX and Ive even sent a spread sheet over TWICE to show the corrections that need to be made. Some of the corrections are being made but not all of them and Ive given them months to complete this task and they are ignoring me and telling me something different about the situation every time.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

On XX/XX/2021, I sent Chex Systems a letter asking them to investigate inaccurate accounts reporting on my file. Unfortunately, Chex Systems did not properly investigate the inaccuracies which violates the FCRA section 623 ( a ) ( 1 ) ( C ). In return, Chex Systems verified the accounts without providing proof of verification which violates FCRA 611 ( a ) ( 6 ) ( B ( iii ).
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (WI)

On XX/XX/2021, a refund amount of {$260.00} from the XXXX of XXXX was declined by the bank because my card was turned off. I keep my card off due to fraud and leaks that have been taking place. I reached out to the bank to let them know this and they made things incredibly difficult. As soon as I saw the charge was declined by them, I called the bank and spoke with a rude representative who basically said I was at fault. I then sent member services a message asking for help and got the same reply. I want my money rightfully returned to me and then I'm closing the account. This bank has a history of making disputes difficult as though these are their funds.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS AGENCY IS IN VIOLATION OF 15 U.S.C 1692G. THEY WERE TO NOTIFY ME OF THIS IN WRITING 5 DAY PRIOR, I WAS NOT. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I contacted Chase and removed myself as an authorized user, they told me they removed me yet it still is reflecting on my credit report. 

The primary account holder is responsible and because THEY are late, its reflecting negatively on my credit and ruining my personal credit when I am not responsible for that debt This is in my XXXX  report