davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MA)

1. As per XXXX XXXX previous complaints, Citi made this credit card totally unusable by a. reducing credit limit by {$4000.00} and eliminating the cash access completely, XXXX, By their own action, they ruined my credit card score for NO reason - no late payments ever, no overdrafts ever, no reason for their truly evil activities,, But their intentionally harmful actions resulted in my credit score being reduced by 30+ points, making refinancing impossible via any creditor.

3, Accepted unauthorized charges to the tune of {$200.00} and insisted that those charges be a part of my MIN payment.

4, Refused to provide any professional answer to my repeated complaints about this card AND TO RESOLVE ANY AND ALL PROBLEMS 5, Refused to close this totally useless to me CITI THANK YOU credit card. 

SINCE CITI IS A TOTALLY IRRESPONSIBLE AND CUSTOMER ABUSIVE BUSINESS, I SEE ONLY ONE SOLUTION - TO CLOSE MY CITI THANKYOU CREDIT CARD ACCOUNT IMMEDIATELY AND TO TAKE LEGAL ACTIONS VS CITI CREDIT CARDS.

But Citi does not permit me to close the account online, This is what they say : " To close your credit card account, you'll need to give us a call and tell the automated system " Close my account. '' You can find our phone number on the Contact Us page '' .WELL, AS CITI KNOW, I CAN NOT CALL THEM, AS I AM IN XXXX XXXX AND THEIR GOOD FOR NOTHING CHAT HAS BEEN OF NO HELP IN EITHER THIS OR ANY OTHER MATTER. NOBODY ANSWERS EMAILS OR THE CFPB COMPLAINTS. AND THEY GIVE NO FAX NUMBER, THIS COMPANY MUST BE FILED IN MILLIONS OF $ $ $ FOR THEIR INSISTENT AND PERSISTENT FRAUD, THEFT, AND CUSTOMER ABUSES
Consumer complaint received 2024-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (IL)

My loan was at XXXX XXXX who sent me a letter in XXXX stating that my loan modification package was FULLY COMPLETE and received. 
XXXX XXXX took over processing of XXXX XXXX They are XXXX and the same. XXXX XXXX also sent me a letter on XXXX XXXX 2024 that they received my documents. 

I call today since I have NOT HEARD ANYTHING from this lender, and am told by XXXX that I am denied on XX/XX/year> for not sending in a mortgage assistance application THOUGH I have XXXX letters from the lenders ( they are the same ) both confirming receipt of my package. 

I have never received any letters from XXXX  stating I need any more documents and any normal person would assume after receiving XXXX letters from the lenders stating they have the loan modificaiton packages that I would receive an answer NOT THEY DO NOT HAVE MY APPLICATION Furthermore, I am irate and DO NOT want to reapply, I want them to FIND their paperwoerk in their mess
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (MD)

This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

Someone hacked into my Wells Fargo account and had others deposit unauthorized payments into my account which were then sent to XXXX and exchanged for bitcoin. The bitcoin was then transferred to the individual that hacked my account.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO Bank, N.A. (CA)

I had mobile deposit a personal check from external account that was my account at another financial institution I was waiting for deposit to cover mobile deposit but it came late and didn't have funds. So BMO BANK covered amount but it was never available in my balance. 
Upon contacting bank they told me I had to speak to fraud dept. so I was transferred and they told me they had suspended account access due to possible fraud. I specifically described the situation and told them it was my personal check and account from external financial institution and what caused the situation. So they said I had to wait for investing XXXX to finish investigation and I have to wait XXXX months to get final results. Then they said my account will be closed. I asked them if I can withdraw my zelle payment they accepted even though it was suspended they said no and it's been 2 months for mistake on my part. It's a joke I never had access to the deposit even though it posted then they said they had to cover the balance.so how can it be deposited but not available and they covered the balance what a joke.
Consumer complaint received 2024-07-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA FEDERAL SAVINGS B Inquired on XX/XX/2023 Business Type : Bank Credit Cards 3XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This is an inquiry for which I do not authorize the reporting due to its inaccurate representation of my credit profile.
Consumer complaint received 2024-05-28
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the EXPERIAN credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (SC)

I live at XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. On XX/XX/XXXX I did refinancing on my current home, with a program called lending to heroes, rep for company at the time XXXX XXXX XXXX who came to the XXXX XXXX in XXXX XXXX, SC closing attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX, phone # XXXX is one of the addresses.The bank was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX there were XXXX payoffs {$15000.00} to XXXX XXXX XXXXXXXX for vehicle and {$240000.00} to Wells Fargo XXXX XXXX never paid Wells Fargo From that time up until XXXX he was communicating with me by phone and email ( I have some ) he stated that Wells Fargo credited the payment to someone elses account and they were trying to get the matter fixed, as I would get statements from Wells Fargo showing that my account was behind he would email me saying still working on at one point he stated 30-60. Someone would go into Wells Fargo and make payments periodically at one point he wrote a check for {$1700.00} ( I have a copy ). XXXX XXXX has since been disbarred even after he continued to communicate with me no one contacted me about his disbarment and that my files were turned over to a receiver appointed by the judge Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,, XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX, XXXX, have email communication with him as well who never contacted me and who still has my files I dont want to request because Im not sure what happens legally after that. I currently have a current never missed a payment VA loan with XXXX XXXX now my home is in foreclosure and they are asking wanting me to to get caught up on loan and start making mortgage payments when I stop hearing from XXXX XXXX I thought everything was done until I got serve later part of XXXX it was then that I contacted and hire and attorney to fight the foreclose the {$29000.00} + was the settlement due XX/XX/XXXX. I contacted the XXXX XXXX and they sent me a check for {$40000.00} the XXXX Ive also contacted then for attorneys to help me with XXXX XXXX none has been willing to assist because they client ratio is high or they will not call back, or he may not have anything. Please help me how is it possible for this to happen and there to be XXXX VA loans on one property. I have been in contact with the XXXX XXXX VA loan guarantees services, she said there was a moratorium on VA foreclosures until XXXX. Again please help Ive XXXX XXXX XXXX years total in the XXXX. I have proof in writing of certain things. Thank You
Consumer complaint received 2024-07-11
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: FC HoldCo LLC (GA)

I am writing to dispute the following inquiries and ask for their removal from my credit report.. Please have these unapproved inquiries removed from my credit report, as it is harming my ability to obtain new credit. I did not give any of these companies permission to check my credit.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXXXXXX XXXX XXXX has fraudulently reported and sold my personal information to Credit reporting agencies and XXXX XXXX XXXX XXXX and failed to discharge the debt in accordance with the Law. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. By law its my understanding I was suppose to recieve a Cash Advance at the start of our contract I never did. I also sent over registered securities as tender with special endorsements for the principle account for satisfaction and discharge as well as cancellation pursuant to article X1 in the base Indenture of trust Indenture for the issuer and registrar. Securities fraud braking of the Trust Indenture Act of 1939 and The Securities Act of 1933.
Consumer complaint received 2024-06-10
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. (GA)

I notice unauthorized accounts on my credit reports in XX/XX/year>, indicating misuse of my social security number for personal gain. The Accounts are : XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) I disputed these accounts with both Experian and XXXX ( the data furnisher ) to no avail. To cover all bases, I sent a letter of validation to XXXX  certified mail asking them to validate the accounts in question with no response. Because I knew that Experian would come back with XXXX stating that the Accounts was verified. And I know that they weren't. I requested that Experian block this information in my credit report due to identity theft and they refused. According to FCRA Section 605b, it is ILLEGAL to report information on my credit report without my permission. So PLEASE remove these accounts! The FCRA, under 15 U.S.C. 1681, mandates that consumer reporting agencies ( CRAs ) implement reasonable procedures to meet the commercial needs for consumer credit information in a manner that is fair and equitable to the consumer, with respect to confidentiality, accuracy, and relevance. They are also in violation of FCRA 15 U.S.C. 1681b permissible purpose. I never gave neither Experian nor XXXX written instructions to furnish any information on my consumer report. So please do your due diligence. I have attached my ID, a bill for proof of Residence over 2 years, and FTC report.
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX and XXXX - XX/XX/XXXX - called my employment often giving a court case and stating that I was being sued for a credit card debt from XXXX. They were awful in how in they communicated with both me and my employers. They harassed me and would not provide me with any information. They threatened that I would be served tomorrow if I didn't pay today. 

I called back and asked for their contact information for their business- XXXX and XXXX XXXX They would not give me everything. Said I should already have it.
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my XXXX consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required XXXX report to the XXXX XXXX XXXX regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (MA)

I am a resident of Massachusetts. I just finished working for XXXX  which has a portion of it's HQ in XXXX, MA. Their HSA provider was Optum Financial, Headquartered in Minnesota. 

This has been the worst experience that I can possibly imagine with a bank. I have given them my money to be a custodian on this account. I understand some things take time and that there will be delays, but from the time I decided to cancel my account to today has been >90 days and I STILL do not have a check. Of what is supposedly my money ... .... 

I can't quantify the frustration, the amount of phone calls, the amount of run around I've gotten. All I want is a dang check for my money that I worked hard to save for after every paycheck. They have been very prompt in taking my money out for maintenance fees, but trying to get my money and closing my account? Every action takes 2 weeks, and every action requires more information, and on and on. 

If your job is to help protect consumers from something like this please take whatever action you can to warn companies against doing business with a company like this in the future. I've written them, I've been on phone calls with them, each time I am assured of corrective actions, and yet still nothing. I think I'll eventually get my money, but if I can prevent them from doing this to another person that is what I'd like. 

In XX/XX/year> I began the close out process by submitting a claim to the company. I didn't escalate for a while because things take time, I get it. 

In Late XX/XX/year> I finally tried to get some escalation to get MY MONEY back from the bank. I was told the process could take up to 30 days. 

On XX/XX/XXXX I was connected with someone who ensured me that he would personally be involved in closing the account and getting me my money. 

IT IS XX/XX/XXXX. No Money. They sure have been prompt in still taking out their $ 3 monthly service fees. NO 30 DAY TRANSACTION TIME FOR THAT I SEE. What a joke, I'm sorry it's just beyond frustrating. You're a custodian of my money, XXXX XXXX  XXXX takes like 1 day to service my IRA if that. OPTUM FINANCIAL IS A HORRIBLE BUSINESS. I STRONGLY RECOMMEND LOOKING ELSEWHERE FOR AN HSA CUSTODIAN OR A BANK TO DO BUSINESS WITH.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-10
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: World Acceptance Corporation (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Laws Dear WORLD FINANCE CORPORAT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that WORLD FINANCE CORPORAT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX state law, specifically Section 392.301 of the XXXX XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the XXXX XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as XXXX Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for WORLD FINANCE CORPORAT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that WORLD FINANCE CORPORAT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the XXXX Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WORLD FINANCE CORPORAT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.