davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
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: CITIBANK, N.A. (IL)

I purchased my vacation from XXXX on XXXX2019 for {$3700.00} and paid in full with my Citi Simplicity Mastercard. I attempted to contace XXXX on XX/XX/XXXX and several times after through phone calls and emails. They posted a letter on their website saying they cancelled all trips ( hotels and airfare ) and wouldn't be processing any refunds and to contact your bank, which I did. I have proof that they cancelled my flights on XXXX  without my permission and refunded the money to XXXX. I also have proof that XXXX never paid my hotel. On XX/XX/XXXX I filed my dispute for services not rendered. On XX/XX/XXXX the dispute was denied because of a {$50.00} credit I had received. New amount sent and many documents as evidence in my claim. XXXX had until XX/XX/XXXX to respond. On XX/XX/XXXX they responded to Citi saying they didn't agree with the chargeback. I still haven't gotten details other than a phone call to the dispute department today. ( XX/XX/XXXX ) It is very well known what this company has done in the travel industry as well as the banks. Every other bank has seemed to have success getting their customer 's money refunded. I am a part of a closed group of over 2,000 customers that have been robbed by XXXX. Overwhelmingly XXXX has given permanent refunds. Citi has given 2, only 2 permanent refunds. Citi should be fighting and getting permanent refunds for their customers.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

This complaint requests that PHH Mortgage Services be compelled to credit my mortgage loan account, without further delay, the sum of {$5000.00} earned and creditable in the 6th year anniversary of HAMP modification as a performance incentive, which in my case was due on or about XX/XX/XXXX. 
OCWEN, the parent company of PHH and the servicing predecessor, did not credit the incentive as it was supposed to. Rather, on the eve of the due date, OCWEN transferred the loan to its subsidiary -- -PHH . 
PHH in turn denied the incentive alleging delinquency of over 90 days. However, I contested the allegation because I placed my loan on automatic payment after the loan modification and had no notice of any payment not being received. Following investigations, PHH finally determined that the denial was erroneous and apologized. 
But rather than take responsibility for its and its parent errors and credit my account, PHH chose to further postpone the crediting 2-3 months out, allegedly pending its report to US Treasury Department per its letter dated XX/XX/XXXX. PHH should not be allowed to hold me hostage for its errors even as it continues to charge me interest on the {$5000.00} principal
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is not abiding by the CARES Act as well as the other mortgage company I submitted prior! They are all like robots randomly calling me and sending the same redundant letters over and over again. It is exhausting and ridiculous! They all tell me I MUST repay all of the 90 day forbearance at one at the end of 90 day period. They are also not to report the bureaus at all nothing for 90 days. They are not reporting me late, but they are reporting my balances higher and higher and it is dropping my score substantially this is a double edged sword and a NIGHTMARE! Help!
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I had some fraudulent charges on my Citi Bank Credit Card account from last year. In XX/XX/2020 I spoke to Citi bank to dispute the charges and asked for them to be removed and the account to be closed. 
The citi bank rep asked me to make a payment of {$300.00} - which were legitimate charges, which I did, this left a balance of {$140.00} which the agent said would be removed and the account would be closed as i'd requested. On the online account it states 'this account is closed ' To me this meant I would have a zero balance. I have not used the card since. 
Yet, each month I have received a statement from Citi with accrued interest now totaling $ 250+ and the collections department has been called in to collect on my bad debt with Citi . 
I have called Citi Bank on at least 5 occasions over the past couple of months and have been passed from one department to another being told that they would resolve the matter. 
Today I was on the phone for an hour and a half with Citi and was passed to 5 different departments - some twice, and still the matter is not resolved. 
If an account is closed why is interest being accrued? 
I have also written a letter to mail to every citi bank address I can find to try to resolve this issue - there is no email address and all phone customer service seems to be non XXXX Based. 
This is not fair to me, this will also put a negative mark on my unblemished credit report. 
All I want is for this to be resolved as I was told it was in XXXX - now 5 months later, it still isn't and I am paying for it financially with interest accruing each month. 
I want the public to be aware of how dishonest Citi Bank is to deal with.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

i am a Victim of Identity theft. I look at my credit Files and i Notice that theirs Accounts that I did not give consent to I cant understand how could this Happen to me. this is very Stressful that my personal Information is in the hands of a stranger. please Remove these fraud Accounts from My credit
Consumer complaint received 2017-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass b ank has n't sent my transaction update for the  XXXX  and  XXXX  to a third party app I use on my mobile device. I called th em n  seems as if there 's nothing I can do but sit here and wait for the unknown. It 's be en two weeks th ey have n't sent out my bank info in times of need.
Consumer complaint received 2024-11-17
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. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2020-05-28
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: CITIBANK, N.A. (NJ)

I have a negative balance of - {$2300.00} on my account and despite TEN ( yes TEN ) requests to XXXX  out my balance in the past several months, the company has not issued a check or refunded the credit to my autopay account. This is illegal, withholding money that is rightfully mine and likely profiting off the balance. This has been on-going for over months now with various pointless conversation to their customer service. The negative balance is a result of dispute from a cancelled cruise, where all proper documentation was already mailed to Citi, and the dispute was resolved and closed in my favor on XX/XX/20.
Consumer complaint received 2018-07-26
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)

On XX/XX/2018 I sent correspondence to Equifax along with copy of all up-to-date and current personal information ( driver 's license, utility bills, employment receipt, etc ) so they can remove all old, obsolete, and out dated info not connected to tradelines off my report and up-date with current info. I also inquired/informed them about the ( 5 ) five inquiries ( 3 from XXXX XXXX XXXX ; 1 from XXXX XXXX ; and 1 from XXXX XXXX XXXX ) that were made without my authorizing such and asking did they verify, or had a contract binding me and the company with my wet-ink signature in their possession to verify/validate information which they didn't. They are aware that I have been a victim of identity theft before and chose to ignore the problem as well as following the rules ( Sect 609 ( a ) ( 1 ) ( A ) and others set forth by the Fair Credit Reporting Act.
Consumer complaint received 2024-11-17
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. (MA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-17
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (AE)

I have filed with the comptroller of the currency. This company is in the dark ages. They have blocked access to my account because they have no clue what they are doing and can not even ID me when I am calling them. My new XXXX XXXX XXXX credit card is the product I have. I wish I never applied for the card. I have called and they have no clue how to ID over the phone and expect me to mail them driver license, Social security card and bank statements to prove who I am. No way to email them the documents scanned into pdf and no clue as how to access public domain questions to Id over the phone. I have never in my life had to mail in documents to any company. They are simply either complete morons or jacking me around. How to keep new customer they have no clue. I have a Barclays USA bank for the last 3 years or more on top of this. 

When I ask them if I just wanted to close my account instead of mailing the information they gave no way as to how. 

Complete XXXX!
Consumer complaint received 2018-07-26
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: Navient Solutions, LLC. (CA)

Department of Ed/Navient Navient Solutions Sep of Ed/XXXX/XXXX Account was actually opened on XX/XX/2008 accounts have been closed I need to remove it out if my report if they are multiple closed accounts when it was only one opened. 
This account has been taken over by XXXX XXXX. I'm a single parent and this impacting my credit score which I'm trying to improve. I don't see why it should continue if Accounts have been CLOSED
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

As of XX/XX/2018, I have sent letters dated XX/XX/XXXX and XX/XX/XXXX to Capital One as inquiry to old credit card debt with an offer to settle the old debt if they could prove I was the original debtor. 

To date, Capital One has only sent letters reporting charge off and last payment information for the old credit card accounts. 

I contend that Capital One is " re-aging '' my old credit card debt with intent to continually harm my credit. 

Capital One has not responded with acceptance or denial to settle debts that are being reported to the credit bureaus against me. 

In XX/XX/2018, I sent letters via certified mail to credit reporting agencies known as XXXX ( confirmed receipt XX/XX/XXXX ) ; XXXX ( confirmed receipt XX/XX/XXXX ) ; and XXXX ( confirmed receipt XX/XX/XXXX ) as disputes to Capital One and to request proof of original instruments of indebtedness. To date, the credit bureaus nor Capital One has sent copies as proof for the original instruments of indebtedness.
Consumer complaint received 2018-07-25
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. (LA)

I requested that a fraudulent collection be deleted from my report. 
The Collection was from XXXXXXXX XXXX, AKA XXXX, AKA XXXX XXXX XXXX XXXX. 
The debt collector refused to provide any required info to dispute this debt correctly. 
The debt collector could not be reached even by legal means. 
I submitted a prior complaint to CFPB ( Complaint number : XXXX ) and this CFPB validated that the debt collector was fraudulent as they could not even contact the collector. 
I filed a dispute with all three credit reporting agencies and the results were as follows ; XXXX - Verified as fraudulent and deleted. 
XXXX - States they verified as good, not deleted. 
Experian - States they verified as good, not deleted. 

I am requesting that both Experian and XXXX delete this fraudulent debt collection from my credit profile for the following reason ; Both XXXX and Experian did not verify this debt or the collector per federal law. 
The CFPB was not able to contact this collector and as such, it was not possible for Experian and XXXX to contact the debt collector and they did not in fact verify the debt as this debt and the collector are fraudulent. 

Please reference my previous closed CFPB complaint # XXXX I have also attached supporting documents ; Experian Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX and XXXX Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I banked with Chase bank for years. I am a recent college graduate and I applied for a new line of credit this year with Chase. I needed this credit because I was moving from XXXX XXXX, XXXX to XXXX XXXX, XXXX I applied for the credit within a week of moving to XXXX XXXX and they gave me a limit of {$18000.00}. I missed a payment the last month because I was looking for a job but I have since been employed. I always pay my minimums except for this last time because I made a big move across the county to start a new life in a place with greater opportunity. I have every intention of paying off my credit, but I should be given the chance. I was given $ XXXX one month and the next month the accounts were closed. Why can I get a $ XXXX loan from the government to pay for higher education, which statistically speaking only 27 % of college graduates even use, ( https : XXXXXXXX XXXX XXXX XXXX ) but the second I try to get a loan to invest in myself and my dreams it gets shut down?
Consumer complaint received 2019-04-06
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX and XXXX.. inquiries on my credit report that I did not do.. I talk to the representative at XXXX XXXX told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..
Consumer complaint received 2019-04-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (LA)

In XXXX of XXXX, I bought a used car with the lender called XXXX  XXXX and paid my car note on time on the 3rd of every month. On XX/XX/XXXX of XXXX, I bought a brand new XXXX XXXX. The salesman at XXXX told me not to pay my car note to XXXX XXXX because since I was trading my old car in, XXXX XXXX would be buying out my previous lender. XXXX XXXX continued to call me so I spoke with someone and explained that I traded in the vehicle. They told me that they didnt receive word of anything and that I needed to contact XXXX. I called XXXX and they assured me that everything was fine. I then noticed on my credit report that my XXXX  XXXX account had finally been closed on XX/XX/XXXX of XXXX with a 30 day late delinquency, which dropped my score 40 points. I have never been late a payment and they stated that my late payment was the month I didnt own the car. I disputed this twice with transunion, only to be told that it was accurate. I then called XXXX XXXX myself and was told that what I was supposed to do, was pay for the car I no longer had until the account was closed. I had no knowledge of this even after speaking with someone prior from the company. They told me that they had trouble calling my cell phone. I have an email address and a physical address with the company so I dont understand why phone was the only way they tried to contact me. I was never told that I had to keep paying even if I didnt have the car. I never had a late payment so why would I pay late the very last month?
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The lender has failed to respond to our QWR and Notice of error request sent on XXXX2017and are proceeding to sale set for XXXX/XXXX/17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Consumer complaint received 2020-05-28
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 hired a credit repair company XXXX XXXX XXXX XXXX to help remove negative things from my credit report. Account with XXXX XXXX XXXX XXXX  opened in XX/XX/2012 in amount XXXX shown as charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2018-08-23
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. (PA)

Greetings, I have initiated a multiple disputes with XXXX  XXXX XXXX over the past few months to DELETE / REMOVE any reporting in regards to the unauthorized Charge-off account they have failed to prove belongs to me. It is also the responsibility of EQUIFAX and XXXX to report accurate accounts/information on personal credit reports per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX AND XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have failed to respond and prove/validate contractually the charge-off account belongs to me within 30 days. Below is the reporting account that should be Removed / Deleted from my EQUIFAX AND XXXX credit report. Also attached is a copy of my police report for your records. 

XXXX Reporting Charge-off Account : XXXX XXXX XXXX - Account # : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED EQUIFAX Reporting Charge-off Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX DATE OPENEDXX/XX/2015 STATUS : CLOSED Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX