davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I received an email from Citi regarding the credit line on my Shop Your Way XXXX had been decreased. The line was decreased from {$20000.00} to {$2000.00}. The letter stated that since I had not used the card in 23 months the decrease was occurring. I did not receive any warning communication that if I didn't use the card the line would be decreased. 
I contacted Shop Your Way MC customer service the morning of XX/XX/XXXX and spoke with XXXX in the Credit Department. She attempted to increase my line back to the original amount of {$20000.00} but the system would only increase the line to {$3000.00}. She said that Citi did not have to notify and they reserved the right to decrease my line at anytime according to my XXXX XXXX. I explained that I do not recall from my original XXXX XXXX signed in XXXX that this was part of the terms. I have requested a copy of my original XXXX to be sent to me. 
I paid off the card several years ago and kept it clear of charges so that I could have the credit available in the event of an emergency. The ability has now been taken away from me. Also, my line being decreased by 90 % will be detrimental to my credit score.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

My wife XXXX XXXX XXXX XXXX and I XXXX XXXX XXXX XXXX have received a promotion in the mail ( see exhibit 1 ) and email ( exhibit # 2 ). The promotion was continent upon opening a new Citi Miles Ahead Savings Account and depositing {$200000.00}, whereas we would receive XXXX AAdvantage miles and appropriate interest as advertised if deposit the funds within 30 days of account opening and maintain the funds there for 60 days. 
We called on the phone and created an account ( ending with # XXXX XXXX. Based on welcome packet we received, the effective opening date of that account was XX/XX/XXXX. As per terms of the promotion, we have deposited the required funds into the account within 30 days XXXX our check was deposited XX/XX/XXXX ). Without our authorization, Citi created an identical Miles Ahead Savings Account XXXX ending in XXXX XXXX on XX/XX/XXXX. Then Citi moved the deposit into this other identical Miles head Account XXXX XXXX XXXX on XX/XX/XXXX. Because it was moved out of the first one before staying in there for the 60 days needed to earn this promotion and it was moved into the 2nd one after the 30 days ( too late to qualify for promotion on this one ), I became ineligible for promotion on either one.

I think this is a malicious effort by Citi to get out of paying the promotion. And nobody can still explain to me why the 2nd account was opened and why money moved into that account. I have made considerable effort to reach out to Citi to address this problem, but to no avail. I am attaching exhibit # 3 and # 4 to show their responses. I have all detailed statements and communication from Citi to show how this happened and can provide upon request.
Consumer complaint received 2021-04-21
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I was falsely told that Nissan of XXXX XXXX would be unable to provide prices for a new lease unless my credit was run. I am a long time customer of Nissan of XXXX XXXX so I was surprised to hear this. 

My lease was ending soon and I truly needed a new car. However, my search had just begun. The salesperson and the sales manager both assured me that figures could not be discussed without running my credit and that this is Nissan policy. I explained that this had never happened and I had always discussed figures before my credit was run.

As I was comfortable with my 710+ credit score, I reluctantly agreed to the credit check. I then visited other Nissan dealerships who explained that running credit before discussing figures is absolutely NOT Nissan 's policy. 

I was pressured to run a credit check and feel I have been wronged. this was the first time this happened to me and also the first time I, a woman, shopped for my lease alone. I am wondering if the dealership preyed on me because I was a woman shopping alone.
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (FL)

as of XX/XX/2021 southwest credit systems has been reporting a debt in the amount of {$370.00} on all three of my credit reports. i was never notified via mail of this debt nor given the fair opportunity to dispute the validity of this debt within the first 30 days of notice if one had been properly given to me. this is a violation of the fcra section 609 and i am demanding that it is DELETED and that the creditor cease all collection activity for violating my consumer rights.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX are reporting wrong information on all my credit reports, in the month of XXXX XXXX they report a late payment of 30 days and then on XX/XX/XXXX they report a 90 days of late payment. HOW CAN THIS BE POSSIBLE??? 
See attachments I DEMAND RIGHT NOW ASAP THAT THIS ACCOUNT TO BE REMOVE FROM MY CREDIT REPORT DUE TO FALSE AND MISLEADING INFORMATION. 

Also XXXX XXXX sold this account to XXXX XXXX XXXX with all my personal and confidential information like SSN, NAMES, BIRTHDAY, ADRESS etc etc. 
The FCRA prohibit all of this, check The FCRA sections 604, 609, 611, 613. 

Since the year XXXX I am requesting copys of the receipts that shows for how much XXXX XXXX sold this account to XXXX XXXX XXXX with all my confidential information. 
Till this day XXXX XXXX are not cooperating with my person and have not send the requested receipts.
Consumer complaint received 2021-04-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Pacific Rim Alliance Corporation (NM)

A number of years ago I took a payday loan out with CheckMate, on XXXX XXXX in New Mexico. I let them know one day that a payment was going to be late. After that they started a problem, they started harassing me, calling me repeatedly some times 10- 20 times non stop. When I was at work, early in the morning, and if I recall correctly, emailing me as well. 

Eventually I was forced to change my contact information, and complain to Checkmate. I also disputed their reports on my Credit. Later from what I recall the situation was resolved, and everyone was satisfied. Now all of a sudden they are reporting to my credit again wanting XXXX XXXX dollars. An amount that definitely NOT owed or correct. The creditor they have hired also appears to not exist.
Consumer complaint received 2021-04-21
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. (NC)

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Consumer complaint received 2021-04-21
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. (TX)

remove not mine ; FCRA. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY 1905 PRESTIGE LOOP XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, OH XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CT XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY selling my information without my permission
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: West Coast Servicing, Inc. (CA)

In XX/XX/XXXX I stopped making payments on the second loan, when I purchased the house back in XXXX I was sold an XX/XX/XXXX home loan, and told I was told I could refinance two years later. After XXXX the property values started plumming and both loans started adjusting as they were both fixed for two years and 28 variable if I am not mistaken, both loans adjusted to 11.50 % making my house payments over {$6000.00}, I made payments but around XX/XX/XXXX I no longer was able to keep up as my income was not the same. 
After the modification of the first loan I would go into the Bank at my local branch and make my payment, I asked about the second loan but the teller told me that nothing was coming up under the loan number. I figured the loan was forgiven as I was told, ( no documentation was ever given to me ). 
My loan was transferred from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX the second disappear for about a year, and then out of nowhere it appeared again, I was never told of the transferred all I got was a monthly statement for maybe three months? and then it was transferred once again to a collection agency called XXXX XXXX, XXXX. I negotiated a payment plan with them, they offered me to settle the account for {$36000.00} but I did not have that kind of money. I started making {$300.00} payments a month I was told they would be reporting my payments to the credit bureau but they lied to me, they never did, I do not know where the {$300.00} a month that I paid for a year went to, I was given no paperwork to sign nothing so I stopped the balance did not go down at all. 
Then at the end of XXXX XXXX XXXX sent us a Notice of Default, I believe they filed a lien on the house as I do not think there was one for the second loan. Then the sale date arrived. 
I begged for a modification, instead, I received a forbearance where they added all the interest since XXXX and late fees from XXXX they asked for $ XXXX down and payments of {$870.00} I can not afford that type of payment and I have a sale date on XX/XX/XXXX In XXXX XXXX finally finalized a loan modification it took about a year at that time the Bank told me that the second would be forgiven as the property value fell to 60 % to what I purchased the house West Coast mail out the forbearance plan, not a modification as we asked on XX/XX/XXXX which we got on the XXXX and they gave us until Monday morning the XXXX of XXXX to give them the deposit of {$5000.00} and signed documents but I do not know what I was signing, all I know is that is not good. I still tried to make a payment for the deposit but they declined to take my payment because is past XX/XX/XXXX. I want to keep my house my fiance has a College student that is doing College from home. Please, please do not sell my house.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (TX)

XX/XX/2021 To whom it may concern at the Consumer Financial Protection Bureau : Today I received the attached collection letter from a collection agency by the name of, Sequium Asset Solutions , LLC. AKA XXXX XXXX XXXX. 

And I would like to file a complaint against both of the above named collection agencies, and I am disputing this debt through your agency, because I do not owe it, and I want XXXX, and this Sequium Asset Solutions , LLC, AKA XXXX XXXX XXXX, to cease and desist from harassing, and contacting me about this debt that I do not owe. 

I have had no dealings with XXXX XXXX for almost 2 years, and I do not owe this fraudulent collection that I am being charged with. 
I have previously disputed this fraudulent debt with XXXX XXXX, and yet they insist on slandering my credit with a debt that they know full well, that they have run up. 

XXXX XXXX has wrongfully and maliciously ran up this debt with fraudulent charges and fees that I do not owe to them, and they are passing this fraudulent information onto these shyster collection agencies to use harassment tactics to try and collect. 

XXXX XXXX places themselves onto consumers credit files with fraudulent status date information trying to make their fraudulent collections look as though these are debts that the consumer has recently had dealings with, as recently as 2021. 
And I want theirs, as well as this Sequium Asset Solutions, LLCs false information removed from all of my credit files. 

On consumers credit files XXXX  places themselves, and thieving XXXX XXXX will also be on the credit files as well, destroying consumers credit files with 2 false fraudulent collections for the same debt.

And if they use other collection names like this Sequium, they will also add them as well to the credit files, so the consumer is left battling to get off 3 collections that have been placed onto their credit files for the same false collection information. 

XXXX XXXX has no problem doctoring up statement information to make it look as though their information is accurate, and XXXX XXXX has no problem running with it. 

As previously stated, I am disputing the collection, and I want any and all derogatory information removed from all of my credit files. 

This Sequium Asset Solutions, LLC/ XXXX XXXX XXXX , and all of their other related affiliates, are claiming that they have the right to pass on any, and all of my private information, and I want to contest that. 

By Law, just because they are collection agencies shouldnt give them the right to invade my privacy, and pass on my private information on to whomever they feel like they want to, and I would like your assistance dealing with that. 

XXXX XXXX XXXX, and their affiliates have a way of handling their companies as though they are above the law, and they can do as they please, and as stated above, I should have rights, and I dont feel that they should have free reign with my private information.
Consumer complaint received 2021-04-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete a thorough investigation. 

As per Section 609, I am entitled to see the validation from the source of the information, which is the original contract that contains my signature.

According to 15 USC 1681i ( a ) ( 1 ) ( A ) the reporting agency must verify the accuracy of the validation.

Now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received the requested response from this company about these five unverified accounts as of today.
Consumer complaint received 2021-04-20
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. (FL)

This account is not mine and its a big mistake. I want to get rid of this mistake in reporting. Someone, I believe used my personal information and created this fake account. I disagree with it and have all the rights to get rid of it. Pease help me and remove it from my [ rofile.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (TN)

The debt was paid in full agreed to for the settled amount and the balance is still showing owed on my credit report. I just want the information correctly updated to paid as settled with a XXXX balance reporting. This is hindering my process
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

I sent a letter to Convergent Outsourcing collection agency disputing and requesting validation for an account on XX/XX/2021 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that they received the dispute letter on XX/XX/2021. I was never contacted, nor was my validation request ever honored. Therefore, I sent a follow-up letter on XX/XX/2021, which was received by the collection agency XX/XX/2021, to request removal of this information due to the company failing to respond. 

It is now XX/XX/2021 and I still have not received a validation or response. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is my understanding that companies have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. With that being said, am requesting permanent deletion of the disputed and unverified accounts.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC. ()

Coinlist has stored my Filecoin cryptocurrency and at my request sold some. I have requested remittance of part of the proceeds of sale to my XXXX account, the details of which were provided and have made many complaints about non receipt of any money, The first remittance request was made on mid XXXX and funds were allegedly wired a few days later but no funds have to date arrived. Email reminders since have largely been ignored. I am still waiting on the receipt of some $ USXXXX from my Coinlist wallet confirmed to have been requested on XXXX XXXX. 
There are apparently many other people with similar experiences and I am wary of asking for any more transfers
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX, submitted a complaint on XXXX on Experian, by law Experian had 30 days to reply to my complaint. Today is XX/XX/2021, which is over 45 days. 

I'm asking CFPB to have Experian remove all items that are attached to complaint number removed from my credit report immediately according to the letter I wrote. 

Complaint number is XXXX
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NJ)

Roughly 3 years ago I had an account with TD bank that I barely used with > {$200.00} in it. At some point I was told it was closed and sent to collections for XXXX {$250.00}. After dealing with the bank for roughly a year I was told they made a mistake and it was put in overdraft when it shouldn't have been. That if I agreed to just calling it a wash on both parts they would pull it out of collections and XXXX out the account. 6 months later I found out it was back in collections. After speaking to the bank it was taken back out ... Until 3 months after that I found out it was back in collections again. I have recordings of all my calls, and emails where they stated it had been XXXX 'd out. I have left countless messages and emails, none of which have been returned.
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Walwick, Inc (IL)

I received an inaccurate medical bill ( the medical code was wrong and more expensive, wanted it corrected before paying ) and the billing department has not returned calls for months, I havent received any bill nor an updated bill in close to a year ( last statement was from XX/XX/20 and still incorrect and still not returning my phone calls ). They now are submitting that bill to collections. This is fraudulent that they are trying to bill and collect on a medical service I did not receive and not even returning my calls to work with me on correcting the bill so they can collect on it.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (NC)

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Consumer complaint received 2021-04-20
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (IL)

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over XXXX  days and I haven't received any response regarding the investigation results