davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (MA)

Citibank took over my mortgage from XXXX XXXX XXXX on XX/XX/XXXX Title Document Plymouth Registry of Deeds. Document # XXXX. 
Loan # XXXX Amount {$100000.00} 15 year Fixed Citibank sold the mortgage to XXXX XXXX in XXXX Loan # XXXX Mortgage balance with XXXX XXXX is under {$25000.00} While applying fro a home Equity loan recently, I was made aware that Citibank never release the lien on my property when they transferred to mortgage to XXXX XXXX I have made several calls to Citi bank. I have emailed lean.release@citi.com and gotten no help or response The folks at XXXX XXXX, even though they should have caught this, just refer me back to Citibank. 

Meanwhile I can not do my home improvements and the rates are going up. My HELOC has been approved, but I can not move forward until this lien is released. 

I have my hands tied by a bank no longer in this business. 

PLEASE HELP! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA. XXXX XXXX
Consumer complaint received 2023-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have reached out to all XXXX credit bureaus to verify debt with the furnisher for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received original contract from either company to date. Dates of mailed letters : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

My student loan with XXXX XXXX was sold to XXXX XXXX XXXX in XXXX of XXXX. At that time, my student loan payment was {$370.00}. I have made almost all my payments on time ( with an exception after my house caught fire and another where I had an unexpected medical expense ) and frequently larger amounts than have been requested, but my variable interest rate continues to rise and so does my payment amount. I spoke with someone today on XXXX at XXXX XXXX  and asked how I could lower my payments. She told me one way to lower it XXXX XXXX, but said that every three months, my rate would continue to increase. 

This didn't seem correct to me ; I've had a variable interest rate on my student loans since XXXX of XXXX and XXXX XXXX had lowered it before when the market was good. I know the market is bad now, but she distinctly said that it would raise every three months. I sought advice from my parents, who told me to request a Terms of Service from them. I called back at XXXX XXXX  and spoke to another person who said that my rate was actually adjusted monthly. She also said very clearly that variable rates do not go down and that it would continue to rise until I hit my maximum interest rate of 18 %. 

I understand that if I had signed a contract with this company saying that, I would be at fault, but I did not. My original loan that I signed a contract for was with XXXX XXXX and my loan back then was clearly variable and amounts went up and down. I'm highly concerned about this, as I don't work in a very high paying role ( I work for a non-profit ) and if my loan will keep slowly marching to an 18 % interest rate even when I'm paying over what I owe, I won't be able to survive. I'm paying {$550.00} a month right now, which is a huge strain on me. It's a variable rate and should be able to decrease, I just need them to reassure me of that and they tell me that it won't. For the record, in XXXX of XXXX, I was paying {$370.00} ( or about 8.36 % of my annual pay ) and I'm now paying {$510.00} ( or around 11.21 % of my annual pay ).
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I recently looked into my credit reports and found that an account wasn't reporting accurately. I had one late payment on my XXXX  XXXX account that was paid on time. The credit reporting agencies need to report all information with complete accuracy. My XXXX  XXXX account has not been late on payments. I have attached a copy of my reports to this complaint on the following date XX/XX/2019. Im now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (KY)

I was the victim of stolen identity. The person successfully opened up a credit card account with Barclays Bank Delaware. I use XXXX to assist in identity theft. We contacted Barclay Bank Delaware to report that this was fraud and dispute this unauthorized account. They first said that they have successfully closed the account. However, they could not confirm the account was closed, so I asked to speak to a supervisor. They refused to allow me to speak to a supervisor until I provide my name, phone number and social security number. I was willing to provide my name and phone number but was not comfortable to provide my social security number to the agent. I repeatedly requested to speak to a supervisor, and they continued to refuse. I have not received any information indicating that the account has been closed and removed from my credit report.
Consumer complaint received 2023-06-15
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: GOLDMAN SACHS BANK USA (TX)

This is my second time submitting a CFPB complaint about this issue but I am not going at it from a different angle. Rather than asking for Apple Card/Goldman Sachs to resolve the dispute in my favor like I did in my original complaint, I would like to complain about the fact that these disputes have been resolved in the merchants favor despite the merchant not actually existing. Apple Card/Goldman Sachs said in their reply to my first complaint that they dont have any merchant evidence because they looked only at my account, not involving the merchant. If they had looked into the merchant, they would see that the merchant doesnt even exist. I was given this information from the credit card company : The merchant is XXXX XXXX, their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX, and the category of the transaction is clothing. 

There is no clothing store at that address, nor is there any company called XXXX XXXX. There is no information to be found online about XXXX XXXX, nor any contact information. According to the Texas Comptroller website, there is no business license in the state of Texas for a company called XXXX XXXX. It does not exist. It is not possible for me to have made a purchase from a merchant that does not exist. 

I am now submitting this complaint because the credit card company did not do this due diligence, and instead focused only on my account. I could not have made the purchase, because there is no merchant for me to have purchased from. 

For additional information, I did make a purchase last year from a company called XXXX XXXX for a similar monetary amount and received those funds back after the company was found to be fraudulent and ended up closing before opening under a new business name ( XXXX ). XXXX XXXX was also based in XXXX XXXX and had access to my credit card information from the purchase I had made with them that was successfully disputed after they had been found to be fraudulent. I believe these things to be connected, thought I can not prove it.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

To whom it may concern, I have just learned that my fraud submission for Case # XXXX ( note a second case # XXXX filed on XX/XX/22 at the suggestion of XXXX ) has been rejected. This is my Appeal Letter. I am confounded by the banks denial of my claim. Please take another look at this open and shut fraud case and refund the {$980.00} that has been taken out of my account. 

On XX/XX/XXXX around XXXX ET, I was contacted on my cell phone by XXXX XXXX XXXX the number she used was XXXX XXXX ), who said she was with XXXX. She claimed that I had XXXX pending transactions coming from XXXX against my XXXX XXXX account. Note I have a joint account at XXXX XXXX XXXX which I share with my wife, XXXX XXXX. As an aside, I only recently signed up for XXXX on Citi and have used it only a couple of times it is not an application I am comfortable with yet and am surprised that the caller knew so much about me. 

The first thing I did was conference in my wife in to see if she had used XXXX for the {$1900.00} and {$900.00} ( the XXXX transaction amounts that XXXX XXXX mentioned ). When XXXX said she hadnt, I then went through the steps that XXXX XXXX suggested to block the transactions. 

I as told to open XXXX and put in these digits : XXXX ( which I should have recognized was a dollar amount but didnt at the time ) and put this detail in the notes field : XXXX. I was also provided with a XXXX # XXXX. 

When XXXX XXXX asked me to do this again with a second set of larger digits ( which would have been a larger dollar amount ), I asked to speak with her supervisor. She put me on with a person, XXXX, who said I was at risk and take this next step. He provided me with his phone number : XXXX XXXX. I told him I was uncomfortable with the situation and was going to call my primary bank, Citi, to investigate. 

At this I hung up and called Citi to report the fraud. 

On my call with XXXX today at Citi, I was told that my claim was denied. I am dumfounded by this decision. I am the unfortunate victim of a fraudulent transaction and I expect Citi to stand behind me. I would be glad to get a phone record from XXXX if helpful to your investigation. 

Please call me at XXXX XXXX XXXX if you have any questions for me about this submission. 

Thank you in advance for a thorough and proper investigation, XXXX XXXX Account # XXXX
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (FL)

I have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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: DISCOVER BANK (TX)

I have written to discover and experian in an attempt to correct this account, it has never been late and XXXX will not respond. 

In accordance with the Fair Credit Reporting Act. 

Discover and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 information is inaccurate.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (IN)

I received a letter in the mail, from Synchrony Bank dated XX/XX/XXXX, stating that there was an error that caused me to receive an incorrect approval letter from XXXX. What I should have received was " we were unable to assign the credit amount I requested '' however I didn't request any amount I just applied. 
The letter itself had no contact information where I could inquire what and why I had received it in the mail, on XX/XX/XXXX I called the customer service number on the back of my card and spoke with XXXX different people, XXXX and her supervisor XXXX, that told me that there was incorrect information that was listed ( but wasn't able to tell me what ) and that I could just disregard the letter. On XX/XX/XXXX I tried again to speak with someone by calling the fraud department because with the letter having no contact information on there except the number for 2 different consumer reporting agencies ( which in the letter it explains not to contact them because they did not make the credit decision and would be unable to provide the reasoning of the outcome ). I spoke with XXXX which stated he saw nothing in my account stating there were any issues, I asked to speak with a supervisor, spoke with XXXX XXXX, which again stated that he saw nothing in my account, nor did he find the letter that was supposed to have been sent by Synchrony Bank.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (CA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-15
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: HYUNDAI CAPITAL AMERICA (CA)

I previously reported that Hyundai Motor Finance was refusing arbitration as per the terms of the lease contract to resolve a dispute. Now they have reported to XXXX that I am delinquent on my bill negatively affecting my credit score. Arbitration was contractually the path to go forward and they are refusing and now filing innaccurate credit reports. I see CFPB fined Hyundai last year for doing these kinds of things. I would PLEASE like CFPB to intervene. I am happy to abide by the outcome of arbitration as that is the point of arbitration. Hyundai made me sign that this this is what we would do in the case of dispute. They need to live by their own terms. I have requested arbitration repeatedly on the phone and with two registered letters. They ignore the request.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CENTRAL BANCOMPANY, INC (MO)

I am in the XXXX XXXX XXXX. I supplied military orders to the creditor, in writing and by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a second set of orders were supplied XX/XX/XXXX. 

There was no action taken to cap my interest rate at 6 % per the protections of the SCRA military benefit for reservists being called to XXXX XXXX service. 

I supplied multiple examples of SCRA benefits being applied by other creditors, but received no response. XXXX XXXX a VP at central bank, with little explanation on reason for denial of benefit. 

Please help me rectify this.
Consumer complaint received 2023-06-15
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: FactorTrust, Inc. (GA)

I would like to have any items/INFORMATION that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (DE)

On XX/XX/year> around XXXX, my husband deposited XXXX through the ATM machine XXXX. He received a receipt stating transaction declined and a XXXX came back out. He went inside the bank to let them know and was told to contact the corporate number at PNC because they were too busy. I called PNC corporate number on XX/XX/year> around XXXX, filed a dispute and then called the branch back XXXX  times before they finally answered the phone around XXXX stating the machine had a lot of issues and to wait for the dispute process to occur. I was then credited back XXXX, to which I had already let the bank know it was XXXX. On XX/XX/XXXX, they took the XXXX credit back out of my account, transferring it from savings. I called the bank who basically insinuated that I lied about the transaction and that the ATM showed it was balanced correctly. I told them I would be filing a police report, which I did on XX/XX/XXXX, and that I would file with FDIC, XXXX  and anyone else willing to listen. I then received a call back from PNC who I was able to provide more details to. They conducted a XXXX investigation, credited me back the money, and found that I had told the truth. I wasted numerous hours speaking with legal representation, the bank, the police, etc.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

first not able to call since tty not able talk to a computer so fix it with credit bureau not possible -- was on  XXXX  and answered all id verify questions right but transunion says not able verify id and must mail in all kinds personal documents - should not have to mail all kinds personal info documents and take risk of mail delivering to some other people cross town and yes post office makes wrong delivery a habit -- who knows what the wrong address delivered people will do with my social security number and stuff