davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I need help with my credit card in citi bank - account number is XXXX. I opened my account in XX/XX/year>. Citi bank requested form called XXXX to verify my social security number, they closed my account despite I sent them signed document. Then I was told several times that they received it and will reopen my account once they verify my information, as they told me it should have taken XXXX weeks generally to process it. I was waiting for several months and called in XXXX, representative told me that time that they still haven't sent it to process and only sent the form that time, but still I was told that it will be reopened. During that whole time my account was closed, despite they received my form, I had annual fee and was doing my payments on time, but XXXX time when I did payment I forgot to deposit funds in my checking and payment was returned, but eventually I made payment for that returned payment. Eventually when I called they told me that form was processed and information is verified, it was XXXX, so they delayed the process despite having document for many months. But they didn't reopen my account stating that it's 90 days passed and there is a returned payment. But it's not my fault that they closed account initially, they could just put on hold, but they closed it. Then they delayed the processing time of the document, despite having it delivered to them. And also I don't understand why XXXX {$40.00} dollar returned payment is a valid reason to not reopen my account, despite I did all payments previously on a closed account!!! Please help me with this issue. I am totally frustrated due to the way they behave towards this issue, I've never had such interaction or heard that someone had something like that. I feel they did this intentionally to not reopen my account, because how delayed everything. I feel I am discriminated due to how they tricked me to think they will reopen my account and did everything to delay it.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

So I try to use my credit card that was below my limit and got decline. So I call Citi bank and got verify. After that they remove the hold on my account and was told I could make the purchase so when I try to make the purchase, it got decline again. So I call Citi bank again and they wanted to verify me again but this time with a mail that suppose to take days. The item I am trying to buy, is on for a limited time and buy the time I get so call mail it be gone. It just very frustrating that I cant use my card that was intended.
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

My hazard insurance is due XX/XX/XXXX for the amount of {$4400.00}. The insurance company did not receive the payment. I had to make the payment on my own so my policy wouldnt lapse mr cooper has not provided me with proof of payment, and they are not handling my escrow account effectively this Mortgage Lender is Mr. Cooper Nationstar LLC
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I was called either from a real Wells Fargo employee or someone posing as one. He told me my XXXX account had pending charges on it " which it did without my knowledge ''. He said my account was compromised and to call XXXX. A representative from XXXX would help me fix my account. So i spent a long time with this '' XXXX XXXX employee scammer but he couldnt fix it. so he instructed me to go to XXXX with a barcode he sent me and have them scan it and enter a code. " which was XXXX ''. So i was stolen from and Wells fargo or XXXX is not returning my money.
Consumer complaint received 2024-08-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Americas Car-Mart, Inc. (AR)

This is a follow up to complaint XXXX which has been closed at this time. 

I reviewed my credit report for the late payments that they are contacting me about and see that they have never reported a late payment, despite the MANY unnecessary calls that are being placed to me. If I have not ever paid late, why is there a log of more than 30 calls that have been placed to my number and voicemails instructing me to pay. 30+ calls are not payment reminders, they are harassment. 

I have blocked their number after advising them in person that I do not want to be contacted by phone or in person any further and would like to discontinue any business I have with the company. In light of their practices, I have attempted to re-finance but have been told by every lender representative ( off the record, they say ) that Car-Mart does everything they can to prevent you from refinancing with another company via being intentionally difficult to work with.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, XXXX - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against United Revenue Corporation for inaccurately reporting XXXX accounts on my credit report, which I believe are a result of identity theft. This issue constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 

The details of the disputed accounts are : Account Number : XXXX, reported amount : {$950.00}, opened on XX/XX/XXXX. 
Account Number : XXXX, reported amount : {$980.00}, opened on XX/XX/XXXX. 
I have no knowledge of these accounts and have never conducted any business with United Revenue Corporation. I did not authorize the use of my Social Security number for these accounts, which indicates potential identity theft. 

Under XXXX XXXX XXXX, I am entitled to dispute inaccurate information on my credit report and require that the reporting agency conduct a reasonable investigation. Additionally, 15 USC 1681b restricts access to my credit report to those with permissible purposes, and unauthorized transactions are not included. Identity theft is addressed under 15 USC 1681c-2, which provides protections against the reporting of fraudulent accounts. 

I request that the CFPB investigate this matter thoroughly, confirm that these erroneous accounts are removed from my credit report, and ensure that United Revenue Corporation provides valid proof of any claimed debt, as required under 15 USC 1681s-2 ( b ). 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (MI)

MY LOAN WAS TRANSFERRED FROM SPECIALIZED LOAN SERVICING TO SHELLPOINT MORTGAGE XX/XX/year>. 
THE WELCOME LETTER STATED THAT MY LOAN NUMBER AND TERMS OF MY LOAN DID NOT CHANGE. LAST MONTH, MY STATEMENT AMOUNT WAS {$220.00}, WHICH IS WHAT I HAVE BEEN PAYING FOR THE LAST 9 OR 10 YEARS. THIS MONTH I RECEIVED A STATEMENT FOR {$250.00}. I CALLED SHELLPOINT TO INQUIRE ABOUT THIS INCREASE. AFTER THE AGENT PUT ME ON HOLD FOR A CONSIDERABLE AMOUNT OF TIME, THE AGENT CLAIMED IT WAS FOR INTEREST. IF THE TERMS OF MY ACCOUNT IS NOT CHANGING, HOW AM I SUDDENLY BEING CHARGED INTEREST? I RECEIVED NO LETTER IN ADVANCE STATING THESE CHANGES. I HAVE HAD SEVERAL MORTGAGE TRANSFERS AND NOT ONE OF THOSE COMPANIES CHANGED MY MORTGAGE PAYMENT BECAUSE OF INTEREST.
Consumer complaint received 2024-07-10
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. (NJ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

I am writing to file a complaint against Affirm for their repeated and unjustified actions of locking my account, preventing me from accessing it, and, most critically, from making payments on my loan. This issue has persisted despite my multiple attempts to resolve it through the steps Affirm has provided, including submitting identification information and contacting their support team numerous times. 

I initially filed a complaint with the Better Business Bureau ( BBB ) regarding my locked Affirm account. Following that complaint, Affirm temporarily unlocked my account. However, shortly after attempting to log in again, my account was locked once more without any clear explanation. 

Since then, I have been unable to access my account to make payments on my loan. Affirm 's customer service has been unresponsive and unhelpful, repeatedly telling me that they are opening a case to unlock my account but failing to follow through. This has been an ongoing issue for over XXXX weeks, and I have not received any clear communication or resolution from Affirm. 

Moreover, Affirm has not provided any adequate explanation for the continued account lock or any clear instructions on how to resolve this issue. The companys actions are preventing me from fulfilling my financial obligations, which is causing unnecessary stress and frustration.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed. All of the addresses associated with this account is not my address nor does this company have a signed document by me.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (VA)

In XX/XX/XXXX I deposited {$1900.00} into my landlords Chime account which was XXXX rent which included late fees for XXXX as well as XXXX. I bank with Chime and have for more than 2 years without any problems. I have paid my rent this way previously without any issues. On this occasion my landlord was unable to retrieve the funds and after several attempts Chime closed his account. Both my landlord and myself have made several calls on speaker phone to resolve the issue as well as via email, several emails and they refuse to refund my money. There was no nefarious activity on the the part of myself and as far as I know of none in the part of my landlord. I have supporting documentation.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I opened a Capital One Credit Card Account in XXXX of XXXX. I have a letter indicating that my 0 % APR was effective on purchases and balance transfers until XXXX of XXXX. This isn't the first time I've accepted an offer of this type and I'm typically very careful to insure that I pay the balance in full prior to the end of the promotional period. I believe I even called Capital One to verify when I needed to pay my balance to avoid any interest charges and was told to pay by my XXXX due date ( which was XX/XX/XXXX ). I scheduled a payment through Capital One 's online payment portal for the full balance to be paid on XX/XX/XXXX, and then just yesterday found {$370.00} of interest charges appearing on my XXXX statement. I called Capital One today XXXX, and asked for an explanation of those charges and for them to be waived. The customer service representative indicated the system wouldn't allow her to do it, so I asked to speak with a supervisor. The supervisor advised me that the promotional period expired on XXXX and that the balance was to be paid by then versus the XX/XX/XXXX due date on my statement. There is no documentation of XXXX being the end date of my promotional agreement anywhere that I have been able to find. I feel these excessive charges are unwarranted and that this shows an extreme lack of transparency from the credit card company on promotional deals of this type. The supervisor indicated she was unable to waive the charge as well, and that all she could do would be to issue a complaint on my behalf, which didn't sound to me like it would go anywhere and is not an adequate response to this issue. I feel that I was misled by the company on the end date of the promotional period, and should be refunded these charges in full. I don't wish to continue to do business with companies like this who intentionally mislead their customers in order to collect interest charges on enticing interest rate promotions to new customers.
Consumer complaint received 2016-07-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In reference to my complaint number # XXXX I add as addendum the following ( 1 ) The Bank of America notification of denial for HAMP modification options and notification 45 days for me to move to forced short sale is based on the fact that the property is a rental and I do not live there as my primary residence. However according to the the government, the Home Affordable Modification Program and National Attorney General and Treasury Dept Settlement terms in addition to my medical bill burdens, " Owners of rental properties and homeowners burdened by XXXX expenses are now eligible for mortgage relief under a new expansion of the Home Affordable Modification Program ( HAMP ). '' " Changes announced by the Treasury Department extend eligibility for the mortgage loan modification program to several categories of homeowners who were previously ineligible. Along with owners of rental properties, the new guidelines expand the program to include homeowners with heavy debt burdens from medical bills, XXXX liens or other debts separate from their primary mortgage payment. '' ( 2 ) The bank letter further references designating an income for me of {$5200.00} for me but does not provide detail, breakdown or analysis of how this amount was calculated by the bank
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivable Solutions, Inc. (NY)

I initially filed case # XXXX - which was sent by your company cfpb to XXXX XXXX XXXX and still awaiting a response. 
To me as the customer the attempts to imtimitate me continues. 
I am in receipts of attempts to collect monies for services amounts that have been resolved by XXXX XXXX XXXX The current company is XXXX XXXX XXXX , XXXX - XXXX XXXX XXXX, XXXX, NY XXXX as that Legal To date with each and every phone call I am unable to get any amounts that are actually owed for services rendered to me at various departments at XXXX XXXX XXXX. or even documentation that the matters have been resolved I made several attemps to speak to someone in charge and was left with promises, hang ups orThey I will return my phone calls at their convenience. 
This is been absorbing my average Day to Day activities in a very negative way- I am now in full bloom panic attacks and it is scary as an older adult. 
Additionally unfoturnately no-one wants to give me a total amount or even attempt to help me negotiate a monthly amount - that works with a very limited budget I am still getting threathing message on my mobile pone - not good and so scary for a senior ctizen
Consumer complaint received 2024-08-18
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC (CA)

I signed up for debt relief with National Debt Relief after a series of banks deliberately weaponized the XXXX system and destroyed my credit score ( all of which is documented on the CFPB website ) and I have never been able to financially recover from this devastating blow and I was forced to enroll in a debt relief program or file for bankruptcy. I agreed to a bi-weekly settlement that totaled about XXXX dollars a month. I also put XXXX XXXX  money in the account to start with. I agreed to some of the settlements of some offers but some were so low that I could not agree and I constantly complained to XXXX about the fact that these banks and credit card companies are the reason I am in this situation and it that it was unfair that I should have to pay anything at all to the very criminals that I was complaining about that had blatantly been retaliating against for over 2 years. And then just last week XXXX attempted to make me pay XXXX dollars more per month to cover a short in funds that arose due to their mismanagement of my account. They are requesting in total another XXXX XXXX dollars and want to increase my bill an additional XXXX dollars a month or XXXX every XXXX weeks I told I could not afford the monthly withdrawals as it was and explained I did not have income and that they are depleting my savings that I am living off of and now they are asking for more with no explanation as to what happened to the seed money or the or funds that were supposed to be spread out over 3 years to cover the entire proposal. I refused the increased settlement offer at first and they tried to negotiate with me and said that they would only take out XXXX dollars a month and I reluctantly agreed to the increase of XXXX per month but what he meant XXXX dollars every XXXX weeks so instead of XXXX it was XXXX extra a month and when I saw the new proposed pay rate he sent in an email I refused it and told him he bait and switched me and I did not approve the settlement offer at that time I was so angry I hung up on him. Then XX/XX/XXXX, an extra XXXX dollars was taken out of my account without my consent. 
I demanded a refund and sent them a Cease and Desist letter. This is unacceptable I am a victim of these banks and this company is working with these criminals to scam me now too on their behalf!! I don't feel I should have to pay anyone for anything at this point my debt should have been forgiven and my credit restored 2 years ago when I first launched the complaints against the banks and XXXX. But since this agency is incompetent, corrupt, and incapable of doing the job expected of them, banks, and credit reporting agencies and now credit management companies can break the law with impunity.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I TRIED TO RESOLVE THIS DIRECTLY WITH TRANSUNION BUT IT IS IMPOSSIBLE SINCE XX/XX/year> I HAVE BEEN DISPUTING TWO PUBLIC RECORDS THAT APPEAR BY ERROR IN MY CREDIT REPORT AND THEY DO NOT SEND ME THEIR INDEPENDENT INVESTIGATION, NOR DO THEY DELETE IT.