davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (AR)

. I received a text stating a fraudulent charge of {$2400.00} from XXXX XXXX in XXXX had occurred. 
2. After hitting " No '' on the text which I thought came from Citi, I immediately got a phone call from someone claiming to be from Citibank fraud department asking to verify that activity. XXXX was number who called me. 
3. I then started getting texts of codes that I thought were from Citibank as the caller said and wanted me to read the numbers back to him to verify my account. 
4. Then I was given a new temporary password over the phone which I entered into my account.

5. The caller verified the last 5 transactions on my account so I thought I was talking to Citibank.

6. Then while still on the phone, I got another text asking me if I had just sent a XXXX to a XXXX XXXX. I was then under the impression further fraud was being attempted on my account. 
7. The caller told me the only way to stop the XXXX attempts was to " max out '' my XXXX amount for the day by sending it to a XXXX account in the Citi fraud department that would be set up as a new recipient with my name. See screenshot of the number that was put in by someone else as the Citibank account recipient. I was told I was " sending the money to myself '' as part of Citi 's fraud department attempt to secure my account. 
8. Caller told me to send {$2500.00} to this XXXX number where they had put my name. I do not know this number, nor did I set it up as a recipient. The hacker did this in my account and sent the money. 
I then became suspicious and hung up the call and called Citibank to report the fraudulent activity. 

I do not know the recipient of these stolen funds or do I have their number in any contacts on my phone. I was hacked into believing someone from Citi was on the phone with me.
Consumer complaint received 2023-04-19
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. (NJ)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

I am deeply disturbed by their lack of respect for my private information ; This is an act of aggravated identity theft, as the courts have already stated that they do not release this information to credit agencies. 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy : # XXXX Bankruptcy : # XXXX XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Consumer complaint received 2023-04-19
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. (NJ)

I have been disputing inaccurate accounts on my credit report for a year now and the credit bureaus have not corrected the inaccurate the information at all. The last letter I sent out was a certified letter to each credit bureaus. 

I have 8 accounts that are reporting incorrect information on my credit report. Here are the accounts. 

XXXX XXXX I address that the date of last activity is being reported as 3 different dates to each credit bureau. XXXX XXXX XXXX, XXXX reports XXXX and Equifax reports XXXX. The creditor just verifies the account but why are they reporting different dates to each credit bureau. This is not accurate at all and they have not updated or deleted this account. Law requires the information to be reported correct and it simply is not. This is the same issue with XXXX XXXX, and XXXX account. The date of last activity is being reported as different dates to each credit bureaus. I am so tired of stating this and they are not doing anything about it. 

Now with these 4 accounts XXXX, XXXX XXXX XXXX has 2 accounts ) and, XXXX XXXX the issue is the account status. Some are reporting the account as open which the account should not be reporting as open, and some closed and open to each of the credit bureaus and it is not accurate and the account should be deleted from my credit report. 

Last there is an account with XXXX XXXX  that was an account with XXXX XXXX XXXX XXXX, that was deleted off all three credit bureaus by XXXX XXXX XXXX XXXX and not even a month later added back with XXXX XXXX. The Credit Bureaus did not sent me a letter to let me know that the account would be added back on my credit report. I sent the credit bureau a certified letter to address it and they did nothing about it.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NJ)

First I would like to say I am getting tired of my bank responding to my complaints which I rightfully have many, with false, innacurate, misleading and many violating so many of my rights here in my loss mitigation process of my foreclosue conveying these messages that are for EXACTLY the same reasons as they were cited for in their XXXX ( XXXX ) dollar civil action fine and law suit for borrowers in the same position in XXXX to XXXX and I was one them as well. I blame my bank as a result of not foreclosing in XXXX or XXXX when there was no chance to salvage this condo but because I got a discharge in a. Chapter XXXX Bankruptcy case they stalled almost 4 years until I won my XXXX case to offer me a predatory lending loan modification when I owed nothing from a personal perspective and I lost out on a nice affordable housing situation as a result. 

Ok on XX/XX/XXXX I got a response of my two CFPB Complaints from my bank XXXX XXXX Office of the President with a top letter and copies of things to try and help their defense. It has only made it worse as the papers all contained errors and innacurate info and more Violations and more. There are so many I will choose one for now. In that package they sent me copies of documents I never got and even if I did had errors. A letter with no date but if it was sent it had to be around XX/XX/XXXX. On the front it says XXXX XXXX XXXX Evaluation Summary. In the second paragraph it says " I am not eligible for the program listed on the evaluation summary. On the 4th and last page this evaluation summary has 5 programs they claimed I was screened for and the last one says pre approval of deed in Liue. How am I approved when your first page says I am not eligible for any programs? They include a copy of a letter dated XXXX saying I was pre approved for a DiL and what I had to do. I never got this either. I did get several complete denials of this DIL.The details of this offer were totally different than the offer I got by phone and email on XXXX That on the first page of the XX/XX/XXXX response they say this offer is the one assigned to XXXX XXXX on XXXX XXXX XXXX ALL IMPOSSIBLE AND LIES. I am stunned at what is happening and the Attorney General of our State who participated in the case of XXXX to XXXX I am in the process of contacting. 

Attached is the papers scanned so they can't change anything.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2019, the request was made to apply for an auto loan with a specific lender with whom I've already had an established positive lending relationship, being XXXX XXXX XXXX. 

It had been made clear that a security freeze was in place on my credit for safety purposes and avoidance of abuse of process. 

In good faith, I temporarily lifted the credit-freeze for 24 hours with Transunion for the dealers to contact the requested lender who approved the loan in the amount greater than what was requested. 

The dealers subsequently proceeded to create an additional 7 to 10 hard inquiries against my credit score by other lenders despite my choice lender already approving the loan for a greater amount than requested and without my knowledge or consent. Immediately following this action, the dealers demanded I unfreeze an additional credit profile with XXXX  where they posted additional hard inquiries against my score without reason. XXXX was lifted for 24 hours at my request, however, upon leaving the dealership without my vehicle, I discovered that the XXXX freeze had been held open against my request of 24 hours by the dealers who were intending additional postings against my score unnecessarily. 

The dealers refuse to release the vehicle me under the disclaimer of insurance until the hard inquiries had in fact been declared as posted to my account greatly reducing my score. 

The following action was not only unnecessary but heinous.
Consumer complaint received 2019-02-08
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. (OH)

I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX bank account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX   XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Consumer complaint received 2019-02-08
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. (VA)

I have six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from XXXX   XXXX saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. Thank you.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I have a loan being serviced by Specialized Loan Servicing. They have caused me innumerable problems, but I will be focusing on just one here.

Sometime during the summer of 2018, SLS send me a form letter informing me that they believed my home was " vacant '. I replied with the proper paperwork informing SLS that my home was indeed being occupied and they had the wrong/incorrect home/address. They started charging me XXXX XXXX " fees '' and other " fees '' for the unoccupied home. I was told, by a supervisor at SLS to contact " XXXX XXXX '' as they were the subcontractor that oversees this type of thing. I called XXXX and spoke with a woman who I can't recall her name., but she verified that my home had been " misidentified '' and that she would start the process of clearing it up. Meanwhile, I spoke with MULTIPLE supervisor at SLS who were antagonistic and hostile toward me suggesting that I was lying about said situation. Not surprised as SLS is a criminal enterprise, but I digress. I finally, after MONTHS, got a supervisor to assist me in this. His name is XXXX. He promised that he wouldn't kick the can down the road, but he did. I reached out to SLS executive XXXX XXXX multiple times to address the issue with NO response. They have been charging my account every month $ XXXX. I need someone to get to the bottom of this. Tired of being ripped off by this corrupt and criminal company.
Consumer complaint received 2019-02-08
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: First Data Corporation (CA)

Someone had used my information and made an unauthorized hard inquiries 1.XXXX XX/XX/XXXX and XX/XX/XXXX 2.FDC/First Data Services XX/XX/XXXX
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

I took out a loan with Titlemax but the amount I'm being charge doesn't match what I was told and the paperwork I signed. The interest fees are higher and each month it's a different amount. Also my information was apart of a data breach and I do believe my information has been share to hackers.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I have an unauthorized inquiry from PRESTIGE FINANCIAL SVC I have not heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-02-07
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: DISCOVER BANK (CA)

We opened an account with XXXX.

Our representative XXXX XXXX provided us with approved Vendors : XXXX XXXX. He emailed me the same day from : XXXX We hired XXXX to build us a custom website on XXXX within 10 days.

They have failed to do so. We did not receive a working website after 10 days. Even though we made all the payment and more before the deadline : {$2000.00} refundable deposit and {$1000.00} to receive the product.

They wanted {$2000.00} but we didn't want to pay all of it before we get the final product installed on our hosting. So we paid {$1000.00} even though it wasn't agreed according to our contract. Email with agreed amounts is attached as an image.

When we found out that the product DID NOT work and this may have been a scam, we contacted XXXX and asked for them to help resolve the issue. They closed our account and said that we need to resolve it with the vendor.

We tried to offer a compromise. Even though they finally agreed to {$2000.00} refund, they have failed to make the refund payment.

That is why we contacted discover and asked to dispute both charges. The letter to Discover with both case numbers is attached.

Discover ruled in the vendor 's favor 8 times. We have exhausted all valid disputes and that is why we have now filed a complaint with CFPB.

We would appreciate you help with this matter. We gave Discover a curtesy call and let them know that we have proceeded in that way. Discover representative agreed on XX/XX/2019 that it is an acceptable route to use additional resources for assistance.
Consumer complaint received 2019-02-07
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. (GA)

I recently checked my credit report to find that an account that have been proved to be invalid and not mine, was re-added to my Equifax credit report. I have not now or ever opened a loan with XXXX XXXX and in XX/XX/XXXX this account was deleted from my Equifax credit file. Today XX/XX/XXXX XXXX XXXX was added again to my credit file. This is a direct violation of the FCRA as any account that has been deleted, before adding again, Equifax must notify me in writing informing me of the intent of the company to try an add again, and this did not happen. This was a debt that Equifax already investigated and deleted. How are they going to just add it illegally with the hopes that I am not checking my report?
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Trident Asset Management, L.L.C. (ND)

I keep getting phone calls from a " Trident Asset Management '' debt collection company to payoff a debt or I will be thrown in jail and have all my belongings taken from me. 

Dates of harrassing/threatening phones calls : XX/XX/19 XXXX Central Standard Time , XX/XX/19 XXXX Central Standard Time. I do not know the amount I owe. You are not allowed to pay over the phone or online. 

I am not going to jail. Their contact information : Trident Asst is a  collections company. 

http : //www.tridentasset.com Trident Asset Management XXXX. XXXX XXXX XXXX, GA XXXX Phone : XXXX
Consumer complaint received 2016-11-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (WI)

My mortgage note was recently tranferred from XXXX mortgage servicing company to another. It was with XXXX XXXX XXXX, but as of this month it is now with Shellpoint Mortgage Servicing. I have an interest only loan based on XXXX rates. The rate for my last payment to XXXX was XXXX. My payment was XXXX. My mortgage is {$250000.00}. That has been pretty consistent for the past couple years. My current rate under Shellpoint is XXXX, yet they debited {$1800.00} from my checking account for XXXX, approximately {$1000.00} more than what should have been debited. I canceled the automatic debit and contacted their servicing department. They had absolutely no explanation why they were debiting {$1800.00} from my account and why the same was scheduled for XXXX. I asked several times to speak to a manager. They could n't give me anyone to talk to. I was put into voicemail. I tried calling again the next day and had the exact same results. I am currently trying to refinance with a local bank, but I feel that {$1000.00} was stolen from my account by Shellpoint and that they had every intention to do it again in XXXX. I need help getting back the money they stole from me for XXXX. I 'm at a loss right now as to what I should do next.
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I contacted Capital One to advise that I had been charged 5 to 6 times by XXXX in XXXX and XXXX for over {$15000.00}. XXXX XXXX waived all the fees and finance charges and online it stated my next payment of {$830.00} was due XXXX even though the minimum payment still included the the wrong charges from XXXX. I call Cap One on XX/XX/18 to advise that I couldnt see my reward points. They advised me that my account was passed due so I couldnt use or see my rewards points. I advised them that I had over {$15000.00} in charges that were not mine but that XXXX was refunding to me. They basically said to bad you still owe us the minimum payment even though it was based on this charge from XXXX. I was advised by XXXX XXXX that there are no managers to speak to and her no answer was the final answer from Cap One. So they are making their customers pay payments on charges that are fraudulent or in error.