davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Citibank Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Re : Settlement Offer for Charged-Off Account My name is XXXX XXXX XXXX XXXX and I am writing to address a critical issue that has come to my attention regarding an account with your bank. Recently, I was informed by my background XXXX that there is an account with Citibank that is past due and has been charged off. This information has been brought to light as I am in the final stages of securing a federal job, a position that I have worked tirelessly to attain. 

I am deeply distressed by this revelation, as I have no recollection of ever opening an account with Citibank. Nonetheless, I am committed to resolving this matter swiftly and amicably, as it is impeding my opportunity to join the federal agency. 

I want to emphasize the urgency and gravity of my situation. My mother, who has been diagnosed with XXXX, is currently XXXX and under my care. The financial and emotional burdens of her illness have been overwhelming. As a result, my resources are extremely limited. Despite these challenges, I am determined to clear this issue to secure my future and continue to support my mother. 

In light of my circumstances, I am proposing a settlement amount of {$1000.00} to resolve the outstanding account. This is the maximum amount I can afford given my current financial situation. I implore you to consider my offer with compassion and understanding of the hardships I am facing. 

XXXX this account will not only help me move forward in my career but also alleviate some of the immense XXXX I am under as I care for my sick mother. I am hopeful that you will see the sincerity and urgency in my request and accept my settlement offer. 

Please take this settlement proposal seriously and respond at your earliest convenience. I am eager to resolve this matter and am available to discuss any details necessary to facilitate a swift resolution. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (CA)

I received a call from a credit collection company around XXXX of XXXX, upon answering the call, the agent attempted to verify my information by asking me to tell them my identifying information which I did not do. I recently had my number changed and not sure how they obtained it as I have not shared my number with any companies besides the ones that I am currently doing business with. However, the agent proceeds to tell me that there is an outstanding bill for {$4500.00} with them. When I inquired about the bill they informed me that it was a loan with XXXX which I had informed them that I had not taken out a loan. The agent asked me had I ever had any type of identity theft in which I told her I did, around XXXX. She informed me that the account was opened in XXXX and that I need to take care of this issue. Prior to receiving this call, I had paid over {$15000.00} to settle debts that were reflecting on my credit, and this bad debt was not XXXX that was on my credit. I inquired with the agent to send me information regarding the loan including the contract that was signed by me to my address, for which she stated she would do. To date I have not received any information regarding the loan, I only received XXXX call about the loan and noticed that this bad debt is now reflecting on my credit. It was reported on XX/XX/XXXX. I have attempted to do a dispute with the credit bureau but the company is stating that it is a valid debt. I need this removed from my report immediately and would appreciate any assistance you could provide.
Consumer complaint received 2024-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (VA)

Despite having a good-standing Home insurance on file with the Bank, I received an email saying that they don't have it and I was threatened that they will use their " All-assuming '' authority to get an insurance which feels convenient for them and it might result in me paying more and worst of all- it won't give me the benefits of a regular policy, despite costing more.

1. How was this email sent to me despite having paying EVERY-SINGLE-PAYMENT on time and paying for the insurance, before time and following the process already?

2. Has Wells Fargo still not learnt how to handle sensitive customer data? Is this a new mix-up where you were attempting to open/modify new accounts in my name as you did in the past?
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/year>, I visited the Fifth Third Bank branch at XXXX XXXX XXXX, XXXX, OH XXXX, to withdraw funds from my checking account to purchase a vehicle. I have held this account for over three years. 

During my visit, both the teller and bank manager refused to process my withdrawal request, citing concerns about potential fraudulent activity. Despite providing my ID, Social Security number, and account number, and showing that my account has substantial annual activity ( deposits and withdrawals totaling {$44000.00} ), I was permitted to withdraw only {$2000.00} in cash. I was informed that this restriction was not due to daily withdrawal limits and was told I could not return the next day for additional funds. 

Additionally, the bank staff questioned me about the purpose of the withdrawal and the source of my deposits, although this information is clearly detailed in my account statement. They also asked personal questions about how I intended to use the money. I would like to see the banks policy regarding such inquiries, particularly since the withdrawal amount was under {$10000.00}. 

The transaction was further mishandled : I received {$2000.00} in cash without it being recorded as a withdrawal, and was also provided an extra {$2000.00} via a cashier 's check, which I later returned voluntarily. Despite this, my subsequent attempts to withdraw the remaining funds in cash were unsuccessful due to continued concerns of suspected fraud. 

Given the bank 's stringent controls around fraud, it is concerning that they allowed me to receive {$2000.00} in cash without recording it in my account. This inconsistency raises questions about the effectiveness and application of their fraud prevention measures. 

I am concerned that the bank 's actions may indicate discriminatory practices and suggest that the bank manager undergo training in Diversity, Equity, and Inclusion ( DEI ) to improve customer service. I request a review of how my account was handled and an explanation for the refusal to process my withdrawal. I also request the closure of my account, as it no longer meets my banking needs. 

Furthermore, I seek an explanation for why I was suspected of fraud on my own account despite having verified my identity, especially given that I live directly across the street from the bank. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (TX)

Called Sunrise Credit Services on XX/XX/year> requesting documentation showing the {$240.00} collection account belonged to me. They said they could not provide that to me as they did not see account tied to me. But they would not remove the collection account either.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (UT)

I contacted Citi Bank at XXXX to close a personal credit card account I no longer use. The Citi Bank Representative informed me that I could not close the account without a valid reason. I told them I no longer need the account. The representative stated that was not a valid reason and put me on hold until I could come up with a valid reason. After thirty minutes on hold I discontinued the phone call.
Consumer complaint received 2024-06-20
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. (CA)

In accordance with 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I had a credit card that I closed. I called the company and was told the balance was {$4.00}, so I paid it. Several months later, American Express reported me to the credit card company for failure to pay the {$4.00}. I called and they assured me, it was fixed. 

Today, was the THIRD time I have been reported for the same issue that was supposed to have been settled.
Consumer complaint received 2024-09-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I received an alert from XXXX Credit Bureau of a collections charge. When I looked at my credit report, I saw that I.C. Systems put me down for 30 days late on collection for {$540.00}. I had not been contacted by IC Systems before this in any form. I sent IC a letter stating that I wanted information on the collections : 1. original contract with signature 2payment history of account 3. I need proof of ownership, and I gave them 30 days to comply. IC Systems sent me a disconnect summary dated XXXX XXXX, XXXX, from XXXX. I moved out of the rental house on XX/XX/XXXX, and XXXX XXXX XXXX had the home rented in XXXX. I called XXXX and canceled my services on XX/XX/XXXX, and Customer Service told me my account was good until XXXX XXXX, which was my billing date. Customer Service then informed me that I must turn my equipment in no later than XX/XX/XXXX and told me to take it to the XXXX XXXX location and make sure I got a receipt for my equipment. I turned my equipment in on the XXXX and had to wait over an hour and a half to get the receipt. I thought this was settled. Then, out of nowhere, this collection agency listed me under collections with the Credit Bureaus without contacting me in any form before filing. When I received the letter back from IC with a Disconnect Notice, I called IC System and talked to someone who would not tell me if they were XXXX  or a third party, and when I explained to her that I do not owe this debt, then she put me on hold and never came back to the call. First, I dont owe this debt, because I was paid up and turned my equipment in on time. Second, I take my credit very seriously and dont appreciate a collection agency just putting negative collections on my credit without contacting me first.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (CA)

During a review of my credit report a few months ago, I found mistakes related to the SYNCB/XXXX XXXX  account ( XXXX ). This violates my rights. I have challenged these errors with the three credit bureaus and the creditor, but the responses were generic. Therefore, I am filing this complaint based on my research. The company is violating sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NY)

I had a vehicle stolen from me in XXXX from a mechanic who was fixing my vehicle. He cashed the insurance checks and never returned my vehicle to me. GM financial refuses to except that the loan is no longer my obligation. Even after the man was charged with a felony this year after a 5 year battle with this issue. The charge from GM financial is sitting on my credit report for vehicle that has not been in my possession since XX/XX/2019 and to my knowledge is possibly still sitting somewhere on the man 's property. GM financial told me over the phone I am still responsible for the loan and I had consumer lawyer dispute the charge and they are still refusing to settle my account with them. I am asking for a resolution as this is severely affecting my livelihood having a fraudulent charge off on my credit report. See attached documentation.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (NJ)

I looked on my credit reports XXXX, XXXX, XXXX and seen I had an account from Apple Card for XXXX account number XXXX it was open XX/XX/year> I never opened up a credit card with them. I never lived at the address listed I sent my attached documents showing my address I been living at last XXXX years.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (MN)

I opened a checking account with BMO harris bank because there is a promotion of {$500.00} if I transfer {$5000.00} to the account. But after I did all the required funds transfers, they did not honor that promo. 

What is even worse, they charged me monthly fee of {$25.00} even though my balance has been above the " fee waiver '' threshold. I tried to close it or transfer funds online, and the online account says those transaction are not permitted for my accounts. I called them to close, they said I have to go to the bank personally. Now I live in a place where there is no branch close by. BMO has already deducted {$170.00} from my account, and it is still going on. I never had such bad experience before. 

I request to close this account and they shall also refund me all the fees they deducted for doing nothing. 

Thank you for helping!
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I have been in the process of securing a stable home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Wolf River Development Company (OR)

This company Garnished my check without a court order, I have no idea if it is legitimate to garnish a check without a court order. I checked the reviews and is says this scam company. I am over XXXX XXXX XXXX and don't know what to do
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

First phone call was approx XX/XX/XXXX. Received letter dated XX/XX/XXXX from Lien Enforcement Inc. Received additional threatening phone calls XX/XX/XXXX and XX/XX/XXXX I am being harassed and threatened by Lien Enforcement Inc. They are threatening to take legal action and garnish my wages if i don't pay. I have advised multiple times that this is not my debt and to stop. Additionally I sent a letter stating that the debt is not mine with documentation showing that the vehicle was sold in XXXX and to stop contacting me. They continue to try and collect {$5500.00} for tow services from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX and provided documentation that the vehicle is not owned by me. XXXX XXXX XXXX XXXX  is doing nothing to help only stating that I'm the last registered owner from XXXX. XXXX XXXX continues to harass with threating legal action and negative credit report if I don't pay. They hang up on me, refusing to accept that I don't own the vehicle.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (FL)

This goes against Navient. I submitted a complaint through CFPB with claim number XXXX regarding Navient 's total disregard and faulty processing of deferment applications recently. 

I applied for XXXXXXXX XXXX XXXX XXXXXXXX discharge for several different federal student loans. My loans for this complaint are under Navient ( the holder ). They were notified middle of XX/XX/year>. I called XXXX and spoke to XXXX ( Navient CSR ) on XX/XX/year> at XXXX. She confirmed Navient received the discharge notice on XX/XX/year> and Navient is processing the discharge approval at this time. This was also confirmed by a supervisor named XXXX, As of XX/XX/year>, Navient still shows I have an application pending for an alternative repayment plan. Navient still shows a current loan balance of {$110000.00} and a due date of XX/XX/year>. By looking at the XXXX  approval notice, under the Navient first listing for & XXXX the following XXXX holder names listed as NOT AVAILABLE is also Navient for {$6700.00} and {$4100.00} which is the total under Navient 's ALL LOAN DETAIL summary for XXXX CONSOLIDATION total {$10000.00} and XXXX CONSOLIDATION totaling {$100.00}, XXXX. Navient still is showing up on all XXXX credit bureaus as of XX/XX/year>. 

There should be XXXX reason as to why Navient is still processing the XXXX  discharge approval notice sent and received by XX/XX/year>. 

Due to the recent lawsuit with CFPB and Navient and the final discussion for Navient to settle with their loan customers, I would like CFPB to notify Navient to process and report the XXXX  discharge approval immediately to all main credit bureaus including the smaller ones. 

attached is the following : XXXX. XXXX XXXX discharge approval dated XX/XX/year> XXXX. CFPB Complaint XXXX with responses XXXX. Navient account summary with notes of customer service regarding processing XXXX  XXXX. Navient account summary as of XX/XX/year> XXXX. Navient all loan details as of XX/XX/year>
Consumer complaint received 2024-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (LA)

I applied for a modification over two years ago. The modification was approved. Both Mr. Cooper and myself signed a modification agreement. Ive been trying to make payments ever since then and they havent been rejected my payments when I sign into my account online doesnt show up the old number, which was transferred to the modified loan shows up, but not able to make payments on it Reported to the credit bureau despite the fact that Ive made numerous attempts to make payments so they ran my credit and also continually charging me interest, even though Im trying to make payments. This is fraudulent and causing damages to me. 
In XXXX of last year, they had a cyber security incident where the system was hacked. They said that we would not be responsible for any late payments and their system was locked down this Im still being reported as late even though theyre not accepting my payments and I dont have access to my account as an additional contributing factor
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (GA)

On XX/XX/XXXX, I submitted a dispute letter to XXXX regarding AFFIRM INC account listed on my profile. The debt in question is documented as paid and charged off. According to the IRS, once an account reaches charge off status and the lender has indicated it as discharged debt on their taxes, the debt is considered canceled or forgiven. This forgiven debt is now classified as taxable income and should not be reported to a consumer 's credit report as outstanding debt. 

XXXX recently provided an update on XXXX XXXX stating that the debt has been verified, yet they did not supply any documentation regarding how they verified the debt despite my request. I have been disputing this account since XX/XX/XXXX and have not received any proof from the creditor to support their claim.