davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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: MECHANICS BANK (TX)

The presence of a negative rating on my account is a source of great XXXX  for me. I'm extremely concerned about how it may affect my credit standing. This rating has already led to the rejection of a recent loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until the matter is resolved.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: United Revenue Corporation (TX)

On XX/XX/year>, I reviewed my credit report and found a collection account from United Revenue, originally from XXXX  XXXX XXXX, for a balance of {$980.00}. I do not recognize this debt and believe it to be inaccurate. I sent a formal debt validation request to United Revenue, disputing the debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I requested detailed information, including signed agreements, a breakdown of charges, and proof of obligation, but to date, I have not received any validation. Despite this, the account continues to be reported on my credit report. 

I am attaching a copy of the letter I sent to United Revenue for your review and request your assistance to ensure they comply with federal law.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Perpay, Inc. (MS)

I went on line to per pay they gave me a line of credit they said once I paid the initial {$330.00} by pay day XXXX  I would get my product as of todays date I never got the product and they kept my money and would not refund it I canceled cause they would not send product and it was 3 months of waiting as of todays date my money has never been returned
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DE)

I am writing to express my deep concern regarding a recent transaction on my Costco VISA card. On XX/XX/XXXX, I enrolled in Citi 's Flex Pay program to divide a {$3200.00} purchase from XXXX XXXX XXXX XXXX into five equal monthly payments.

However, I have encountered two significant issues : Premature Withdrawal : The first payment was withdrawn from my linked XXXX account a day earlier than expected. This unexpected withdrawal caused my account to overdraft, resulting in severe financial inconvenience. 

Incorrect Amount Withdrawn : The amount withdrawn was not as anticipated. Instead of the first installment of the {$3200.00} purchase, the entire balance, including the {$3200.00} charge, was withdrawn. This is contrary to the purpose of using Flex Pay to spread out the payment over five months. 

I understand that my XXXX settings are set for " Full Balance. '' However, I assumed that by using Flex Pay for a specific purchase, the system would automatically adjust the payment amount accordingly. 

Additionally, I was charged the Flex Pay fee, which is typically associated with splitting payments. Since the entire balance was withdrawn in the first payment, it is unclear why this fee was applied.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

My checking account was fraudulently charged XX/XX/XXXX {$100.00} at a XXXX. I immediately canceled my debit card as this charge was not recognized. On XX/XX/XXXX, I reached out to School 's First Federal Credit Union to open a dispute. They provisionally refunded me until they completed their investigation. The investigation was completed XX/XX/XXXX and they charged my account, stating the card and pin were used. This was impossible, however, as the card had been with me 100 % of the time, and I was even out of town the day the charge occurred ( XX/XX/XXXX ).
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (GA)

XXXX XXXX, My name is XXXX XXXX XXXX and I am a wartime veterans and I suffer with XXXX and XXXX and I exposed to XXXX XXXX XXXX XXXX while severing this XXXX XXXX. In the XXXX XXXX and I started getting very sick, I am sorry and I was unable to care for myself and I have explain this time and time again, My body is not the Young Man it use to be and My family took advantage of me and my money, I just happy to still be here and I would greatly appericated if this company would remove this XXXX XXXX from My Credit Report Thank you. 

CitiCards CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IL)

Good evening, All my accounts at XXXX XXXX  ( including the accounts that my kids opened at age XXXX with me were suddenly put on hold/frozen and debited the amount of ( negative ) - {$16000.00} on Thursday, XX/XX/year>. I only found out because I got paid my $ XXXX a couple days prior and I was trying to send my car note payment & pay my utility bills totaling about {$1400.00} on that day but wasn't able to do it. I called XXXX XXXX  & was transferred to another department where they told me that there was a legal hold for 2 years for that amount. They informed me that the law office of Blitt & Gaines and their Collection Agency with CASE # XXXX placed a legal hold on my account for the amount of {$9500.00}. XXXX then proceeded to threaten me, telling me they can escalate the situation, saying the hold should be twice the amount ( {$19000.00} ). I told them I don't understand this as I have not received anything from these attorneys explaining this debt, and much less information giving me options of things I can do to prevent this. I could have done something about this if I was informed that this was going as I already have an attorney that can represent me but.... that did not happen. They froze my accounts & the accounts of my sons, XXXX  ( XXXX ) who had {$2000.00} saved to pay his University tuition and XXXX  ( XXXX ) who was receiving his {$1200.00} ( XXXX - direct deposit check ) the very next day. This has caused great turmoil making it impossible for us to use the little money that we have to pay our bills and our rent. 
Please trust that I am not a consumer that has money & just refuses to pay. I am a single mom/consumer who has struggled to survive XXXX XXXX XXXX  abuse after my divorce, with no alimony and no child support. Covid affected my entire financial situation while I raised my XXXX boys by myself ( as their father was not involved because of his XXXX XXXX  ). I lost my house to foreclosure, I lost my business, and I continue living with family and friends while I work to regain my financial independence eventually. 
Thank you for taking the time to read and to help me resolve this.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AR)

So couple days ago I filed a dispute for unauthorized and was sent a replacement card and everything then a couple days go by I get an email saying that my account was being closed and that the bank institution which is wells fargo were ending there relationship with me not telling me why. So now They basically blocked my account while there is a dispute on my account that is investigating, I received my provisional credit from the dispute but I cant even transfer the funds or use my XXXX  cant to take the funds out of my account. Today I called them and they finally told me why they ended their relationship with me saying that my account wasnt secure enough because of me filing dispute for unauthorized which doesnt make since because there basically saying that it dont matter if your card gets hacked and file a dispute I guess its a problem now
Consumer complaint received 2024-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I refinanced my mortgage ( with XXXX XXXX XXXXXXXX ) and HELOC ( joint with my husband XXXX XXXX with USAA into a new loan ( just in my name ) with XXXX XXXX XXXX. The disbursement on the funds for both payoffs were sent on XX/XX/XXXX after the recessionary period. XXXX XXXX XXXXXXXX paid off the first mortgage immediately. USAA signed for the payoff check on XX/XX/XXXX but it still open with the balance as of today, XX/XX/XXXX, and has not been paid off. The HELOC department told me that they had received the check in the Mailroom but they can not locate the check. They told the attorneys office as well that they would have to look for the check. In the meantime they are reporting my account as past due on my credit. We have never been late on our HELOC or any mortgage for that matter. 
Our HELOC matured in XXXX. We have tried to work with USAA since XXXX to get it renewed or rolled over for payments and they had us fill out papers to get this done. Then in XXXX they said we could not qualify to have it redone so I had to look for a way to consolidate the first and second mortgage and got this accomplished and completed in XXXX. But now they have told me today it would take 3 weeks to locate the check.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (GA)

I just received a call on my phone XXXX registered to XXXX XXXX XXXX XX/XX/year> XXXX and the name on the account XXXX so. Body can touch the account I made it online through my mobile phone no other way the address on file XXXXXXXX XXXX XXXX XXXX gaXXXX XXXX XXXX they scamming touchin bank accounts calling me asking to upload my identification identity theyre illegally red tricking accounts
Consumer complaint received 2024-09-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Dovenmuehle Mortgage, Inc. (UT)

We are submitting a formal complaint about the lengthy and challenging VA loan assumption process we are experiencing with XXXX XXXX XXXX XXXX and their servicing company, Dovenmuehle. 
On XX/XX/year>, we entered into a contract to purchase a home owned by a veteran. This property was advertised with a VA assumable mortgage at an attractive interest rate, a key selling point for us. Just three days later, the veteran submitted an application to XXXX XXXX XXXX XXXX for us to assume this loan. Initially, we were informed that all communication would be conducted exclusively through mail, with no option for phone or email contact. 
After weeks of waiting without any communication, the seller managed to obtain an email address. We promptly sent an email and received the application documents, which we returned on the same day. Additionally, we overnighted a paper copy to the service provider, Dovenmuehle. Despite responding to all requests within 24 hours, communication from Dovenmuehle has been consistently slow. The process finally entered underwriting on XX/XX/XXXX. We were required to send a check for {$4100.00}, which was cashed on XX/XX/year>. 
It has now been over 120 days since we initiated this process, with more than 74 days spent in underwriting. The initial documentation indicated that the entire process could take up to 90 days, including up to 45 days in underwriting. 
Communication with Dovenmuehle has been extremely difficult. Although the seller submitted official documentation authorizing both us and his realtor to inquire about the loan assumption, customer service representatives eventually stopped recognizing this authorization and imposed additional requirements to receive updates. 
Meanwhile, we are unable to close on the purchase of this home. Due to a job-related move to a new state, this situation is incredibly frustrating, costly ( exceeding $ XXXX in rental fees ), and challenging for both us and the seller. 

Please note : we have detailed records of all our communication with these companies related to this issue, if requested.
Consumer complaint received 2024-09-12
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (CA)

I am on title and the beneficiary of property that has a reverse mortgage balance of {$420000.00}. The property was put on the multiple listing a week ago for sale for {$750000.00} and I have offers for {$680000.00}. PHH Reverse Mortgage has rushed to foreclose not GIVING me time to close a normal escrow. I asked a for a 30-day postponement. The borrower XXXX XXXX passed XX/XX/XXXX, PHH Reverse had a repayment agreement of {$530.00} a month that we were paying for 2 years to pay back taxes on the property that XXXX had missed, and on XX/XX/XXXX PHH Reverse cashed {$7500.00} THAT I sent them to cure the defaulted balance owed. They set an auction sale date for XX/XX/XXXX and claim they do not have to give me the beneficiary time to sell. After I have paid out {$30000.00} in property taxes and homeowners insurance on the property. I was the caretaker for XXXX XXXX and was authorized for 2.5 years to speak to PHH Reverse make payments and care for XXXX and the property. PHH Reverse is rushing to foreclosure, the property was not in default, I paid all that was deficient and XXXX & XXXX property taxes and home insurance. Seeking a short-term sale postponement.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-04
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate. 

Please provide the requested information at your earliest convenience or remove/update the disputed items.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MT)

Today ( XX/XX/24 ) I was trying to redeem my reward points from my CitiBank DoubleCash Card. Citibank makes it incredibly difficult to redeem these points. The user has to log onto a totally separate website ( thankyou.com ). Because I was already logged into the citibank website, I kept getting redirected to the citi website. When I was finally able to login to thankyou.com, I was locked out, presumably because I entered in my security question incorrectly. Unfortunately, website never told me what the problem was in logging in. The website directed me to call a particular number ( XXXX ). After a 15 minute wait time, the customer service representative told me that he does not have anything to do with the rewards program and gave me a separate number to call. This number ( XXXX ) provided a voice activated menu which purported to send me to the points redemption department by speaking the word " Points. '' However, it never acknowledged when I spoke the word " points. '' I called back multiple times to the menu to confirm this. Also, it did not provide me the means to select the department by entering a number rather than speaking a word. Out of desperation I just entered the number " XXXX '' even though it was not an option offered by the voice message. By doing this I was able to connect to a customer service representative. The customer service representative denied that I was locked out of thankyou.com and offered no means for me to be able to log back in. She did offer to redeem my points for me, to which I agreed. Those redeemed points still have not posted to my account after 1 hour.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

I had my Driving record check to receive insurance rate. I notice XXXX incorrect information on it and I do not know anything about it. XXXX of them is for no fault accident and one was for collision back in 2018.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (NE)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.