davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

I am writing to dispute a credit inquiry that was made by best buy. Best buy applied a credit run for me to open a credit card at their store. I did not consent or give permission for a credit inquiry. The credit inquiry is in error because I went to the store to purchase a laptop and I was asked by the cashier if I wanted to apply for credit card and I stated I did not want to and proceed to pay with debit. Attached with this letter is a copy of the receipt of the laptop I purchased with my debit card. I went to Best Buy multiple times and they were not very helpful they did not want to help me with a letter. They provided a letter finally but it only states that it could have been identity fraud.

I am requesting that the error be corrected, that any credit impact related to the disputed credit inquiry be fixed on my account so that it doesnt affect my credit score which I have worked hard to obtain. 
Enclosed are copies of receipt for my purchase on that day and the letter from best buy supporting that I did not run my credit inquiry. Please help correct the error on my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I opened account XXXX of XXXX in XXXX 
On XX/XX/year> I was supposed to receive interest payment check on sum of XXXX XXXX However, as for today I have not received that check. 
Since that time I have been regularly calling XXXX regarding that matter, I talked to a lot of their employee and supervisors, but did not get any outcome. They assigned a XXXX number : XXXX. 

Today, XX/XX/year> some supervisor of XXXX told me that there was not any updates and just hung up.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (CA)

I attended XXXX XXXX for the digital arts XXXX XXXX XXXX XXXX XXXX to XXXX. During that time there was misconduct performed by them. Pressure from financial aid officers to sign docs without time to review or understanding what payments I would be facing post graduation and promising Navient ( XXXX XXXX at that time ) would work with me on payments ( forced into forbearance no other options available for XXXX years after graduation ), a promised XXXX hour post grad externship that didn't exist. A career placement program/ department that didn't exist. Teachers without degrees, and courses made up from those teachers life experiences. There's an article about it at the following link : XXXX XXXX XXXXXXXX XXXX XXXX was one of my instructors and is quoted in the article admitting the courses were made up from life experience and the teachers don't have degrees. 

I reached out to XXXX XXXX - Career development and externship organizer at the time ( XX/XX/XXXX ) for ( guaranteed/promised on the website ) career development assistance and she guided me to XXXX. That was the end of my career development. 
XXXX was put on a Federal watchlist for underperformance and it's eligibility for XXXX XXXX XXXX XXXX. Graduation rates at XXXX XXXX. 

The school has permanently closed due to financial issues
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: TD BANK US HOLDING COMPANY (NY)

I moved from the State of XXXX  to the State of XXXX XXXX on XX/XX/XXXX. The State of New York requires me to register my vehicle within 30 days and requires a copy of the vehicle title and permission to register the vehicle in the State of New York. 

I contacted TD Auto Finance on XX/XX/XXXX to request the copy of my vehicle title and permission to register the vehicle in the State of New York. TD Auto Finance provided that they will mail both documents to my confirmed mailing address. 

On XX/XX/XXXX I contacted TD Auto Finance to request an update. They provided that the documents shipped on XX/XX/XXXX and will arrive between XXXX business days. 

On XX/XX/XXXX I contacted TD Auto Finance to request an update and they provided that they have no update and that it should be arriving within the next few days and that they will put in an expedite request. They are unable to provide a tracking number due to only being able to ship documents via XXXX. 

On XX/XX/XXXX I contacted TD Auto Finance to request and update and they provided that the expedite request consisted of shipping the documents out again and that they were shipped on XX/XX/XXXX and would take 5-8 business days. Shipping is sent from South Carolina. 


I am currently paying monthly payments on my vehicle and if I do not receive my title and permission to register my vehicle in the State of New York within the next few days then I will not able to operate my vehicle. It is ridiculous that it is taking this long to receive my documents from South Carolina to New York and that I am unable to even verify if they have truly shipped.
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AR)

I am filling a complaint against this company because I have written this company on three different occasions requesting a copy of the purchase agreement and or any other documents bearing my signature showing that I have legally binding contractual obligation to the alleged amount they claim that I owe. This company has not provided me with a purchase agreement or any other type of documentation bearing my signature. If this company can not validate this debt or produce documentation proving their claim, they are required Under Section 809 of the FDCPA to stop all collection and remove this account from my credit. 
Additionally this account is not a valid debt, as the debt collection agency listed on my credit report, LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES does not have a license to operate in the State of Arkansas, where I reside. As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. 
Given that LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES does not have a license to operate in California, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA.
Consumer complaint received 2024-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

Nelnet has stated that I may not access my accounts due to XXXX XXXX. Order of discharge was entered, and Nelnet still prevents me from accessing my account information necessary to review relevant details related to timescales, amounts, etc. 

As the trustee will no longer be making payments on my behalf I need access to my account to ensure I remain on schedule. Nelnet not granting me access prohibits me from ensuring my credit information and corresponding accounts remain current/ accurately reported.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (DE)

On Sunday XX/XX/2024 at XXXX PM, I used SendWave ( XXXX Remittance ) app to {$340.00} to my nephew in XXXX. This is supposed to be an instant money transfer. The transfer kept showing processing for XXXX hours. So I decided to contact SendWave. I tried both their chat box and phone call. 

Each person I chat or talked to told me I should allow XXXX hours and even that they are not sure. " Even that they are not sure '' part concerned me so I told one to called my transaction so that I can get a refund. As I report this, the transaction is still showing processing, meaning that they have not cancelled the transfer because I never got any notification from them as well. 

What I read in their FAQS on how do I cancel a transaction says that " If the funds have not yet been delivered to your recipient 's mobile wallet, you can call us to get a refund for the transfer. '' At this point I don't it as if all my request to let SendWave cancel my transfer has fallen on deaf ears. I have read in their reviews where some customers complained they gave up on getting their money back after several frustrations. 

All I want is my money back from SendWave.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC ()

We are non-resident mortgage holders on a vacation rental property in Florida since XXXX XXXX. Our mortgage has changed hands approximately 4 times, most recently to Nationstar. I usually make payment online at the beginning of the month with an additional principal payment as funds available to us. I was unable to pay in XXXX through the website and eventually had to make an expensive phone call to make it. I was assured that the company 's website XXXX series error ' would be rectified by the payment due XXXX XXXX. It is n't. I have no way of sending any message through email without first being able to sign in, neither am I able to make the payment due or access information for my tax return now in progress for XXXX. It is beyond stressful to be so far away and so un-helped and helpless! A company this size should not have an inaccessible website for more than an hour ever. 
I 'm hoping this is a simple one for you. 
With thanks
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/year> around XXXX XXXX  I deposited XXXX XXXX ( XXXX XXXX bills ) 5/3 bank atm said there was fraudulent bills detected. Took the cash, returned my card and did not give a receipt. I was using a 5/3 atm to deposit into my XXXX checking account.. I filed a dispute with XXXX and they said there was no transaction record and to contact owner of atm.. I also filled a police report with XXXX Michigan police. I contacted 5/3 and they told me to dispute with XXXX. I informed them I did and they just said to dispute it with XXXX. They were like a broken record. I contact bank official with 5/3 was told pretty the same but he would look into it with no avail. 5/3 said there were errors with that atm.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IA)

Citibank NA, has used a pretext of discimination to freeze funds. I have been without funds since XXXX XXXX, and have not been able to fill life saving XXXX XXXX XXXXXXXX XXXX  I have lived XXXX  since XX/XX/year> of when i relocated abroad. Citibank refuses to release my account so i can withdaw funds.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

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.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

XXXX XXXX XXXX Early Warning Services Consumer Assistance XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Demand to Stop Reporting Fraudulent Accounts to my Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the reporting of fraudulent accounts to my consumer report by Early Warning Services. Specifically, I have discovered fraudulent accounts associated with XXXX XXXX and XXXX XXXX XXXX, which have been incorrectly linked to my identity. 

I find it alarming that these fraudulent accounts have been reported to my consumer report, and I hold Early Warning Services responsible for any adverse impact this may have on my creditworthiness and financial reputation. These accounts have been established without my knowledge or consent, and I have taken immediate action to address this issue. 

Firstly, I have filed a formal complaint with the XXXXXXXX XXXX XXXX, providing them with all relevant information regarding the fraudulent accounts. Additionally, I have reported this incident to the Federal Trade Commission ( FTC ) and have obtained an Affidavit of Identity Theft, which I am attaching to this letter for your perusal. 

In light of the seriousness and potential legal implications of this matter, I demand that Early Warning Services promptly cease reporting these fraudulent accounts to any consumer reporting agency. I request that all references to these accounts be removed from my consumer report, and that any information pertaining to them be expunged from your records. 

Furthermore, I expect Early Warning Services to undertake a thorough investigation into how these fraudulent accounts were able to be linked to my identity. I urge you to take all necessary steps to rectify this situation, including but not limited to contacting the respective financial institutions involved to ensure the immediate closure of these fraudulent accounts. 

Failure to comply with this demand within 30 days from the date of this letter will leave me no choice but to take further legal action to protect my rights and seek appropriate remedies. Given the seriousness of this matter, I am prepared to pursue legal recourse to the fullest extent allowed by law. 

I trust that Early Warning Services will handle this issue with urgency, professionalism, and the necessary care it deserves. I expect prompt communication from your side to acknowledge receipt of this letter and to provide me with updates on the actions taken to address my concerns. Please direct all correspondence regarding this matter to the contact information provided above. 

Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I disputed these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my credit reports from Transunion, XXXX and XXXX, I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! 
With that said, I refute their allegations and challenge them to provide proof that they have the right to report this incomplete negative information about me. Documents that they have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, they must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, the credit bureaus must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in their reports and I have invoked my rights to dispute/challenge these inaccurate and non-compliant items. If XXXX, XXXX and Transunion continue to report claims that are not perfect, it shows that they do not care about my rights as a consumer. I don't think it's fair for them to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements.
Consumer complaint received 2024-06-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc (OH)

I was a in on the dispute problem like they know theft is a part of adjustments and net funds on my account and the reason they dispute it is because it's them they used a real secure card to take money I don't know I'm getting.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00}
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX mortgage fraud and illegal debt collection practices. trying to foreclosure and suing under us bank on a mortgage loan that was settled in XXXX by us banks through their law firm when we informed then they just keep trying to collect what we believed to be a settled debt recorded in the public record and for 3 years they did nothing either in court or through us bank to address the situation until now after the filing a lawsuit for a property they claim to be the servicer of but county records show was assigned ( sold XXXX to them after we were informed the debt was satisfied in XXXX XXXX the fraudulent activity by all the parties from origination in XXXX to present false information with the court filing should be invested to see who to bring criminal charges against. will not provide the closing documents to show who ( XXXX bank or XXXX ) funded this loan if it was funde at all? charges to maintain a property I live in and they do not maintain it I do, charges for property inspection, some mouths shows XXXX or more of these charge. 

XXXX and us bank with the help from the XXXX circuit court of Florida who disregarded the facts and has foreclosed and stolen our home. I will forward XXXX of the XXXX judgment the last XXXX were removed. next please ask XXXX and us bank to submit a certified copy of the actual illegal and invalid mortgage documents they filed with the court. as it differ from the version they gave you what of the frauldant charges by attorney XXXX XXXX XXXX for mandatory mediation that we were never ordered to attend by the court and if mandatory mediation is required by law why did the court skip this step and her response to me in a email was XXXX County does not require mediation. I guest XXXX county has their own foreclosure laws I thought it was Florida law or federal law Moreover, these issues should have been raised by you to the Court prior to the entry of judgment. that would be the same court who does n't believe the facts of the case and a very clever scheme to defraud by nationstar and us bank and what of the relocation expenses for being forced out of our home with less than 45days. please forward this complaint to us bank for their response to this case now that XXXX and us bank stole our home I am formally requesting to file federal charge against all the parities and request that the dept. of justice investigate this matter and look up the court file to confirm my statements. nationstar and us bank needs to stop stalling and formally respond, now that they have completed their fraud and stole our home. I will e-mail all my documents to cfpb and the DOJ
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

Customer has not updated the balance on the account. Last update was Reported : XXXX. XXXX, 2024. Balance shows be {$16000.00}. Balance should be {$2700.00}