davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit 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: CITIBANK, N.A. (CA)

XXXX I booked a " XXXX XXXX XXXX XXXX XXXX' at XXXX XXXX XXXX, XXXX, from XX/XX/XXXX to XX/XX/XXXX ( XXXX nights ) through the Citibank travel website, and paid a total of {$1200.00} ( at CITI XXXX XXXX XXXX XXXX DE made on XX/XX/XXXX2024 ). 

Before XX/XX/XXXX I confirmed the booking details with the hotel, and the hotel informed me that they had received the reservation, but my reservation was for a " XXXX XXXX, '' not the " XXXX XXXX XXXX XXXX XXXX I had communicated through the Citibank travel website.

XXXX Upon arrival at the hotel, the front desk confirmed that the reservation they received was indeed for a " XXXX XXXX '' They advised me to contact Citibank XXXX  directly. I called Citibank customer service three times without success : twice the call was dropped after 30 minutes of ringing, and once the call was cut off midway. To stay in the room I originally booked, I was told I would have to pay an additional XXXX yen ( around USD XXXX ) per night to upgrade. 

XX/XX/XXXX I filed a dispute with Citibank, requesting a refund of the difference ( {$55.00} x XXXX ), totaling USD XXXX, for the forced downgrade. 

XXXX Citibanks dispute center rejected my claim, stating that there were no contractual errors. 

XX/XX/XXXX I filed another appeal, and Citibank responded, acknowledging receipt of my supporting documents. 

XX/XX/XXXX Citibanks dispute center rejected my dispute again.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, the following complaint was sent to the CFPB : " At some point in XX/XX/year>, someone stole my XXXX  XXXX XXXX XXXX credit card number and made a number of fraudulent purchases, including Experian credit monitoring. This was reported as fraud. The same fraudulent charge showed up on XX/XX/year>. This was reported as fraud. The fraud has since been repeated on XX/XX/year> and XX/XX/year> - and has been reported as fraud to XXXX  XXXX XXXX. I've attached the receipt for the fraudulent service- notably, I'm not the person receiving it! '' On XX/XX/XXXX, I looked at my BofA credit card account and saw the same fraudulent charge for {$24.00}. Experian has done nothing to stop this fraud. Experian has failed to investigate the problem. I've had my credit card replaced twice and they still keep illegally charging me. I've tried calling them and get a useless XXXX XXXX. When I reach a human, they keep transferring me back and forth between " membership '' and " fraud '' call centers. Neither is helping. This is completely insane. 

Here is the fraudster 's information so you all can look this up : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

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 account/s and inquiries XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00}
Consumer complaint received 2024-09-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last week I bought Crypto from XXXX. My email address associated with the XXXX account is XXXX. Trouble is, XXXX never sent me my crypto. So they stole my money and never gave me any crypto. This is fraud. Bank of America informed me that I am unable to report this as fraud, which is not right. The company literally stole my money. When we complained to Bank of America last week they said that my payment to XXXX was still processing and there was nothing they could do until processing was done. " When will it be done? '' They told me last week it would be done processing by the end of the day. So we contacted Bank of America support this week again on Tuesday, they told us, the processing would definitely be done by Wednesday. Well, here it is Friday, and the processing still isn't done! 

We keep contacting Bank of America and they keep stonewalling us, changing their stories. XXXX has fraudulently stolen my money. Not only does Bank of America refuse to report them for fraud, they also refuse to do anything on account of their processing glitch. They are of no help whatsoever. They just keep stringing me along to get me off the phone. 

So XXXX illegally steals my money and Bank of America has absolutely no recourse for me, the wronged party. This is fraud and it should be reported as fraud. As it is, the wronged party, have no recourse whatsoever. My email address associated with Bank of America is XXXX XXXX
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

Nelnet has continued to intentionally and willfully Report Incorrect, False and Negatively Impactful Late payments to the 3 National Credit Bureaus. I have contacted Nelnet Student Loan Services numerous times including XX/XX/XXXX, the servicer had once again wrongly reported to XXXX, XXXX XXXX and XXXX and they did nothing to fix and/or correct the incorrect/damaging information they reported. Not only that, Nelnet had prior documentation that I was receiving Government Public Assistance, which automatically qualifies Student loans to be placed in a Forbearance/Deferment and they have refused to follow the requirements and laws they are bound by. This has had a TREMENDOUS negative impact on my Credit. It has caused a EXCESSIVE AMOUNT of damages and Nelnet needs to be held accountable. Nelnet has choose to ignore this matter and now I need the CFPB to step in. This has dropped my Credit Score tremendously and have negatively harmed my abilities to justify Credit Worthiness. 

The Federal Government has passed the On ramp which concludes on XX/XX/XXXX marks the official end of the Student Loan On-Ramp, a period in which student loan borrowers were protected against the more severe consequences of missed federal student loan payments.

During the COVID pandemic, federal student loan payments and crucially interest charges were paused for nearly three years. When the pause ended, there was a historically unprecedented return to payments for XXXX XXXX Americans. To ease the transition, an On-Ramp period was implemented. Consequences for Late and Incomplete Payments If borrowers missed payments or made partial payments during the On-Ramp period, interest continued to accrue on their loans but were not reported as delinquent to credit bureaus ( with the aim of easing the transition for those who missed payments over the last year. )
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC (FL)

I started the mortgage process with XXXX and went through the entire process up to closing. During the final stages before closing, we discussed two rate options on XX/XX/XXXX at XXXXXXXX XXXX. : 5.99 % and 6.875 %. After learning that the lower rate increased closing costs, I agreed that 5.99 % was the better option. XXXX then sent me an email at XXXX XXXX. with a price breakdown I assumed was for the 5.99 % rate, as we did not discuss reviewing the other rate as I did not choose it. This breakdown showed an origination fee of {$1800.00}, which we had discussed during our phone call. However, I was confused when the closing costs totaled {$12000.00} on a {$240000.00} loan, about 5.2 %. I thought this was high and noticed some fees that didn't make sense, but reluctantly agreed due to a lack of alternatives. 

On XX/XX/XXXX, I received documents and reviewed them on XX/XX/XXXX. I noticed that the origination fee had increased to {$5100.00} and overall closing costs had risen to {$15000.00}, 6.5 % of the loan. When I questioned XXXX about this increase, he explained it was due to the cost of the lower interest rate. I pointed out that the price breakdown emailed on XX/XX/XXXX at XXXXXXXX XXXX. I assumed only reflected the 5.99 % rate, as that was the rate we agreed upon. I questioned why I received an incorrect price breakdown for the 6.875 % while not receiving the 5.99 % pricing estimate until right at signing. Despite multiple requests to negotiate the fees, XXXX has indicated that this is just the policy and there is nothing that can be done.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

XXXX XXXX XXXX as seen on my credit report XXXX XXXX is the company that has violated my rights, they have transferred my DEBT to a third party NELNET. 


20 U.S. Code 1232g - Family educational and privacy rights clearly states : ( A ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. If any material or document in the education record of a student includes information on more than one student, the parents of one of such students shall have the right to inspect and review only such part of such material or document as relates to such student or to be informed of the specific information contained in such part of such material. Each educational agency or institution shall establish appropriate procedures for the granting of a request by parents for access to the education records of their children within a reasonable period of time, but in no case more than forty-five days after the request has been made. 

XXXX XXXX, as a servicer of student loans, is required to comply with the privacy protections outlined in FERPA, they have failed to maintain my privacy and educational records.
Consumer complaint received 2024-09-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Altisource Portfolio Solutions, S.à r.l. (NV)

DEBTORS MORTGAGE LOANS WERE ABANDONED IN THE XXXX XXXX IN THE DISTRICT OF DELAWARE BACK IN XX/XX/XXXX CASE # XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX AND XXXX, XXXX XXXX ATTEMPTS STEAL MY HOME OR PAY THE PAYOFF AMOUNT. XXXX SINCE XXXX BEEN RECORDING FRAUDULENT INSTRUMENTS INTO NEVADA CLARK COUNTY RECORDERS XXXX POSTING AUCTION SALE OF MY HOME UNLESS I PAY THE FRAUDULENT PAYOFF AMOUNT THIS XXXX XXXX, XXXX THE XXXX TIMES SINCE XXXX. I HAVE ALL THE PHYSICAL-FORENSIC-EVIDENCE-CRIMINAL-ACTIVITY-SIGNED-CONFESSIONS. POSTAL-MAIL-FRAUD IN XXXX  OF COUNTS. FALSE AND MISLEADING ENTRIES, FDCPA VIOLATIONS, MULTIPLE-TITLE 18 VIOLATIONS. I LOST MY DEAR WIFE IN XXXX IN THIS PROCESS.
Consumer complaint received 2024-09-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings (NY)

I am filing this complaint regarding the mishandling of a debt collection by IQ Data International. The account in question has the number XXXX, and it is associated with an original creditor, XXXX at XXXX XXXX FL. This account was opened on XX/XX/XXXX, and the last activity was recorded on XX/XX/XXXX. 

Despite the account being closed, it still shows a high balance of {$4400.00} and an unpaid balance of {$4700.00}, with adverse ratings marked as Collection/Charge-off. As there have been no activities since XX/XX/XXXX, this has raised significant concerns regarding the accuracy and fairness of the reporting. 

On XX/XX/XXXX, I sent a cease and desist letter to IQ Data International, formally requesting the cessation of all collection activities and communications regarding this account. This request was made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which requires that such demands be honored. 

The letter explicitly requested that IQ Data International discontinue all forms of communication with me, barring specific exceptions allowed under the FDCPA, such as to inform me of their decision to cease collection efforts or to notify of possible legal actions. Additionally, I requested written confirmation that no adverse information will be reported to the credit bureaus related to this debt. Failure to comply with these requests not only continues to affect my credit score negatively but also constitutes a potential violation of the FDCPA. 

Despite this clear communication, there has been no acknowledgment or response from IQ Data International regarding my requests. This lack of response and the ongoing adverse impact on my credit report necessitate this complaint as their actionsor lack thereofcontinue to be a source of significant financial distress and confusion.

I am seeking intervention to ensure compliance with the FDCPA, correct any inaccuracies in my credit reporting, and confirm cessation of all unauthorized collection activities by IQ Data International.

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Upon reviewing my most recent consumer report, I noticed bankruptcies listed that I believe to be inaccurate. I have concerns that this may violate consumer privacy protections under 15 U.S. Code 1681a ( 4 ). These bankruptcy entries should not appear on my credit report, and I'm concerned my personal information may have been improperly disclosed without my consent.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

TRANSWORLD SYSTEMS INC I am writing to formally demand that you cease all collection activities regarding an account that was fraudulently opened in my name. I have already provided your company with the necessary documentation proving that this account was opened without my authorization.
Consumer complaint received 2024-08-25
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. (GA)

I am writing to formally dispute fraudulent information on my report that resulted from identity theft. My personal information was compromised without my consent, leading to unauthorized accounts and inquiries listed on my Consumer Report.

In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), which covers the removal of information related to identity theft within 4 days. 

The fraudulent accounts are XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX- ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXXACCOUNT NUMBER XXXX Please conduct a thorough investigation into these matters and remove the disputed items promptly. 

For your reference, I have attached the following documents : Affidavit, drivers license, social security card, proof of address, and FTC report. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

Usaa continues to lock me out of my account beginning in early last week. They sent a text message while I was on a call with a team member from Usaa address a dispute stating they were restricting my outgoing transactions for fraud activity. Prior to speaking with the current representative at the time I was fully verified and was transferred to the representative who exemplified poor customer service and male representative ifentifying himself self as a chief petty officer for this bank. In several repeated occasions and continuing to this fate my account access and the ability to service my account has been denied and I have reported these concerns to XXXX on the advocacy who refused to investigate the issue. This evening at XXXXXXXX XXXX my account acccess was revoked again for the same said security flag for unauthorized access to my account for something from XX/XX/XXXX & XXXX XXXX I spoke with XXXX AND XXXX From the security team whom verfied who I was and sent a code to my phone to validate I was the indeed owner of the account. I was refused to speak with a supervisor and Im still without access to my account. I continue to be harassed by members of this bank from various departments and my account continue to be tampered with by the same. The lied and stated it was an auto lock on my account by the same for alleged security breach on my account for something that occurred approximately a month ago as of XXXX XX/XX/year>. XXXX proceeds to request me to provide him security codes to my account from previous request and versus him doing his job to validate when he then reviewed my account showing I had spoke with several members on this date with no problems access my account.
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I am writing to formally lodge a complaint regarding the practices of Navient XXXX XXXX XXXX XXXX concerning my XXXX XXXXXXXX XXXX XXXX XXXX. During the years XXXX to XXXX, I was charged forbearance fees. Those fees were {$50.00} for each forbearance dated ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ); totaled at {$250.00} in fees. Despite my attempts to resolve the matter, I was denied access to release my co-signer on multiple attempts. 

I have also discovered that I have paid a total of {$28000.00} in interest and principal payments equal to {$9900.00}. However, my overall balance due to Navient is, as of date : {$22000.00}. For a XXXX XXXX XXXX XXXX student loan with an original principal of {$24000.00}. 

By my calculations, I have overpaid by approximately {$13000.00} over the life of the loan. I have repeatedly asked for forgiveness plans, payment modification options, and assistance in resolving late fees but have been consistently denied. Furthermore, my co-signer continues to be held responsible for this loan despite my ongoing efforts to secure their release. 

The loan entered repayment in XXXX, and I am still making payments in XXXX. This loan has been in repayment for over XXXX  years, totaling approximately XXXX days. I feel that I have been unfairly harmed by these practices and would greatly appreciate the Consumer Financial Protection Bureau taking enforcement action to rectify this situation. I believe the charges and denial of reasonable requests for relief violate my rights as a consumer, and I am requesting an immediate review and resolution.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I can't open the link with the response from Wells Fargo regarding my latest complaint. 

For the 3rd time, I am requesting : 1. Documentation regarding my fraud investigation. Wells Fargo still did NOT provide me with any documentation regarding my investigation.

2 Documentation on the 3 merchants the Non Wells Fargo ATM charges occurred. I asked Wells Fargo for information on these merchants and they did not comply with my request. Since I have never been to these places and they don't exist on XXXX, I am requesting Wells Fargo give me information on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these businesses are real, therefore, how could legitimate ATM charges occur? 

XXXX XXXX
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

As per our recent correspondence, I wish to bring to your attention the unauthorized opening of two accounts under my name. Enclosed with this message are the necessary police reports and supporting documents that confirm the fraudulent nature of the aforementioned accounts. These accounts, bearing the following details : Account number XXXX with BANK OF AMERICA and Account number XXXX, require immediate deletion.
Consumer complaint received 2024-09-18
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 : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX LXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Collection XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX A Account Number : XXXX Late Payment XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX  Account XXXX : XXXX