davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

My debit card was charged XXXX unauthorized transactions on XX/XX/year> as listed below : DATE : XX/XX/year> AMOUNT : {$280.00} LOCATION : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> AMOUNT : {$51.00} LOCATION : XXXX XXXX XXXX I contacted my bank Citibank to file a claim for these fraudulent charges. Each time, I was told by Citibank that I would have a decision within 10 days. As of today, I have not received any communication about the status of this claim. Below are the details of my calls with Citibank. 
XXXX I opened claim regarding above charges with Citibank XXXX Claim # XXXX. 
XXXX I called Citibank due to not receiving any update and was told claim had to be resubmitted. Claim resubmitted under claim # XXXX. 
XXXX Called Citibank to follow-up due to not receiving any update. Was told claim had to be resubmitted. Resubmitted claim under new claim # XXXX. 
XXXX Called Citibank to follow-up. Claim elevated to supervisor under same claim # XXXX. 

As of today, XX/XX/year>, I have not received any update or correspondence regarding this claim from Citibank.
Consumer complaint received 2024-09-05
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. (CA)

I just looked at my consumer credit report from XXXX XXXX XXXX, XXXX. I saw some hard inquiries on my credit report that did not have permissible purpose. I also attached the evidence XXXX. [ XXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 2. [ XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 3. [ XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 4. [ XXXXXXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 5. [ XXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 6. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 7. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 8. [ XXXXXXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 9. [ XXXX XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 10. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 11. [ XXXX XXXX XXXX - XX/XX/XXXX ] Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 12. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B 13. [ XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B
Consumer complaint received 2024-08-13
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: Westlake Services, LLC (NC)

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/year> ]. The inquiry was made by [ WESTLAKE SERVICE INC, ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim
Consumer complaint received 2024-08-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (ID)

US Bank offers an Elite Money Market savings account if you deposit at least $ XXXX in it. When I opened this up in XX/XX/2024, their advertised rate for this account was 4.5 % and right now they are offering 4.25 %. What they do not not highlight is that it is simply a teaser rate and that after only 4 months they would reduce that by over HALF to 2 % while still offering 4.25 % for new unsuspecting customers. It really left us feeling dupped. Sure the fine print says its an adjustable rate but I believe this a set practice of theirs to get large deposits then cut the rate by more than half. I have banked with US Bank for many decades and used them for my personal accounts, mortgages, and several businesses but I will be pulling ALL my accounts from them and cancelling all my credit cards. This is not the ethical institution I believed them to be. I wish other customers could be warned about this before getting tricked into it making a large deposit and trusting US Bank.
Consumer complaint received 2024-08-17
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: Marlette Funding, LLC (NC)

This creditor engaged in XXXX XXXX, and XXXX practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement XXXX days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On Thursday XX/XX/year>, I received a text from Citibank saying : your contact info is no longer linked to your XXXX profile. Any pending transactions with this info have been canceled. To resume activity, please update your contact info in the Citi Mobile app or Citi online. '' I immediately tried to log onto my Citi mobile app. After logging in, I was prompted to do an Authentication. It asked for my debit card #, pin and account number. Unfortunately, I didn't have my account info. I proceeded to call Citibank to access my account #. They would not provide that info to me and told me to visit a branch. After work, I went to get gas and my card had declined even though there was about {$800.00} in checking, {$17000.00} in one savings account and about {$600.00} in another savings. 
On Friday XX/XX/year> I went to my local branch in XXXX, Ny. I was at the branch for at least 3 hours trying to get info and rectify the situation. After speaking with the branch manager who couldn't receive much info from the fraud dept, I was told it had something to do with XXXX and that they closed all my accounts. They told me I have to wait 30-60 days to receive MY MONEY! I begged and pleaded that I needed my money for bills. After nearly having a XXXX XXXX they allowed me to withdraw {$3000.00} after initially telling me they couldn't give me anything. I am still trying to receive answers and especially RECEIVE MY FUNDS. I don't know if anyone tried to hack and take money because they cut me off from access to my online account. These past few days have been very worrisome causing me to have high XXXX. I need a resolution to this situation ASAP.
Consumer complaint received 2024-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

Never received copies of billing statements associated with the account that I believe to be fraudulent or proof of the account being opened, including any documentation that substantiates the creation of this account and any attempts to collect debts associated with it in order to file a police report to report that I am a victim of identity theft.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BOK FINANCIAL CORP (LA)

My loan was sold from XXXX to BOK. BOK has mishandled the transition of the loan, loan payments, escrow payments in a manner so incompetent as to create financial harm and great financial risk to customers. 
BOK is not making payments on insurance that they are escrowing and caused a flood policy to lapse in XXXX XXXX at peak hurricane season. the flood policy can not be renewed at the same rate, specialty rates are offerred to renewing customers only with policy payment before expiration date. A new much high rate must now be paid b/c BOK did not fulfill the responsibility to pay the policies for which it is escrowing funds for. I currently do not have flood insurance on my property due to BOK 's mishandling. BOk is refusing to make payment on the flood insurance policy and states they do not do escrow analysis when aquiring new loans. they are holding the funds to pay the policy and will not contact the company to make payment nor return the funds to me. 

Additionally automatic loan payments were not transferred when selling the loan and the company sent me to their problem payer department after XXXX  days and would not let me set up an online account to establish autopayments. they made the process very difficult and penalized customers for their incompetent and poor processes to transition a loan they purchased. 
please give consumers greater choice in deciding what companies service their loans. I do not want this company to be my loan servicer and it is unfair I have no say in who I do business with
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (TX)

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 
XXXX XXXX XXXX XXXX {$1900.00} XX/XX/year> The credit bureaus have also violated the following laws : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-13
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV INC. (CA)

I was sent out a money network card with my Edd benefits the next day it was wiped out by a thief money network has no security for these cards they allowed a random person to call in with no security questions and activate my card through a automative system I can not now pay my bills I risk being evicted money network is telling me to wait 45 days which is unblievable and unaaceptable they are also dying many peoples claims
Consumer complaint received 2024-08-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Contacted Pro Collect to fix incorrect reporting to my credit report. I sent a letter showing evidence and proof debt was paid and its still reporting inaccurately. Letter was sent on XX/XX/XXXX. This still reports not paid with the bureaus and reports incorrect dates. I called on XX/XX/XXXX with my acting agent to try to just reason with them and bring the issue to their attention and they refused to speak with me. This debt was paid on XX/XX/XXXX. from that date to present this incorrect reporting has caused me grievance and punitive damages.
Consumer complaint received 2023-10-03
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. (PA)

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$170.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Ingo Money, Inc. (MD)

[ XX/XX/XXXX : Notified by XXXX that payment of {$1500.00} for damage claim was ready for transfer ; immediately emailed a receipt and noticed the last four digits of the bank account in the paid to category was incorrect by one digit ; called XXXX who stated the funds would be rejected due to the name and account number not matching. ] [ XX/XX/XXXX - XXXX : Dispute submitted to XXXX after notifying them of the error ; XXXX responded that the funds had not been located and refer back to sender to locate, send a letter of indemnity, OR provide a 15-digit trace number. ] [ XX/XX/XXXX - Called XXXX and they insisted that they needed an account number or trace number to locate funds ; reached out to XXXX XXXX XXXX from XXXX to resolve the error. ] [ XX/XX/XXXX : XXXX XXXX from XXXX, emailed a Research Request Form compiled by XXXX XXXX XXXX Ingo Money Inc ( Ingo Money Inc handles transactions for XXXX ) ; this document was compiled after complaining numerous times of needing more information on the transaction so that XXXX could locate the funds ; the option to reverse the deposit was never given to me. ] [ XX/XX/XXXX : By this time XXXX disputes had been submitted to XXXX but the newest dispute contained the bank account number that the funds incorrectly went to so that XXXX could locate the funds ; XXXX responded funds posted as directed no error occurred. Refer back to sender to send letter of indemnity. Note that the previous dispute on XX/XX/XXXX gave XXXX options to rectify the issue ; after the funds had been located, we are now being told they can not remove the funds from the incorrect account without a letter of indemnity. XXXX more disputes have been submitted with XXXX with no progress. ] [ I have called Ingo Money Inc approximately 8+ times ; they claim that they are unable to transfer us to XXXX XXXX XXXX Each time they take my contact information and no one ever reaches out. We have also emailed XXXX ' and XXXX " requesting help and a letter of indemnity but made no progress. ] [ The only direction I received from Ingo Customer Service was to contact the following number XXXX ; from then on I am told someone in XXXX department will reach out and they do not return our request. ]
Consumer complaint received 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Sloan Servicing bought/took over my student loan. 
Ive made payment on autopay for iver 4 years, but I noticed that my original amount borrowed was less than my current amount owed. 

I called to find out why my payments are NOT reducing my balance. 

I wanted to work with someone to calculate how I could make sure that my loan gets paid off instead of never paying is down. 

The representative had ( presumably ) zero knowledge in financing and mathematical analysis. 

She said things like : its probably because, hmm, maybe its becauseyou can make an extra payment ; you can change the of your autopay. Etc. 

I asked to talk to or schedule with an expert to run numbers and scenarios. She said there is no one that does this. Its only the phone workers. It seems they only relay information from your account, which I can find myself online. 

I dont understand how I got on a payment plan that isnt lowering my balance. I received no guidance for creating a better plan. 
( I have the means to either make a lump payment and keep the currently monthly, increase the monthly, or both.
Consumer complaint received 2024-08-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (TX)

I previously submitted a complaint on XX/XX/XXXX, which stated that my debt should have been canceled because the loans were private student loans that were issued in excess of the cost of attendance ; thus, these loans are automatically discharged in bankruptcy. You replied that you were aware that I filed for bankruptcy in XXXX and that you were aware that there was a discharge but that you were not notified that the debt was included in the discharge. However, you were notified by the fact that you were notified that there was a discharge ; and as such, all debt, including private student loans that were disbursed in excess of cost of attendance are automatically discharged. Why was the debt not canceled at that time, if all debt are automatically discharged?

Second, last year, you reached a settlement in the Youssef v. Navient class action lawsuit. My name was on the list of members in the lawsuit. However, my debt was not canceled. Please explain why my debt was not canceled if I was one of the members in this class action lawsuit.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NJ)

On XX/XX/2024 I was called regarding a payday loan from XXXX yrs ago that I supposedly had and was threatened that if I didn't pay they would take me to court and I would have to end up paying XXXX. So unless I paid XXXX up front, I should be fine. I paid and my bank institution sent me XXXX XXXX saying it was fraud and if I wanted to cancel the transaction I had XXXX hours to do so. After I paid, I went and did some research and found out that this company was indeed a scam and withing the hour i called my bank and cancelled. They promise me that it would not go thru and even issued me a new card. Well the payment still went thru and I've been disputing this for almost 2 months now and they are still refusing to take fault in this matter and are denying me my funds. I keep yelling them I stop payment and they can clearly see I did but still refuse to admit it was their fault
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.