davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have a checking and savings account with Citibank. 
I applied a loan on line at XXXX XXXX I got approved for {$2.00} XXXX loan and they send me all the paperwork showing I got approved. They have all my information because Im applying for a loan. So they send me back the approval paper. Then as soon as I received the approval through email. Representative called me and told me about the approval. He told me that they need to do a small deposit on my account. They know all my account number because when you applied for a loan you have to tell them your banking institution. So they did a mobile deposit on my account. I check my bank account and I was surprised they deposited 2x, a mobile deposit of {$750.00} and {$750.00}. They said thats how they do loans to check my bank. That deposit was made On XX/XX/2024. Totaling {$1500.00}. Also they told me they will deposit the rest the next day .The representative said {$500.00} will be deposited soon. I was so excited because I really need the loan. The loan company called me back and told me to purchase gift cards thats the way they do the loans and send it to them and I did. Then they called me back and told me to send back the XXXX mobile check deposit they did through bitcoins. I did all of it so that I can get the full {$2.00} XXXX loan that was approved. The next day Im waiting for the funds and tried to check my loan funds if it got deposited. I was surprised but cant log in on my Citibank account and its blocked. I went to the bank and asked them why my account was blocked. They told me they will closed my account soon. I told them that looks like I got scammed by XXXX XXXX and bank knew it. I tried to call Citibank and they told me its under investigation. I have my direct deposit with Citibank every month, my pension goes to that bank. Even my direct deposit I didnt get it until now. I have to borrow money to pay my rent because theyre holding my money until now. They are billing me for {$1500.00} because of the SCAM XXXX XXXX did to me. I just realized that I got scammed by these bad people. I told Citibank since they are holding my direct deposit they can get that money from my account and send me the rest even I got scammed. Im still waiting for the rest of my money from Citibank. I was really scammed by XXXX XXXX XXXX XXXX. 
Consumer beware about this loan company. Be careful applying for a loan on line and giving all your information. I dont think they should closed my account and Citibank should protect the consumer against fraudulent deposits. Where is Account Security. Bank shouldnt discriminate against low income people and elderly. They should protect us. I didnt do any of those mobile deposit and its not my real signature, But still Im willing to pay for it, they got my direct deposit. Thank you
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (IL)

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information.

I am requesting that you provide the documentation and proof of validation for the following account : * Account Name : Affirm * Account Number : XXXX  Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt.

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act. These Accounts ; XXXX  XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX KS XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (IL)

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : * Account Name : APPLE CARD/GS BANK USA XXXX Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Consumer complaint received 2016-07-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Aurora Loan Services was the servicer of my loan in XXXX. XXXX XXXX purchased my loan from XXXX XXXX XXXX XXXX in XXXX. At the time this purchase was made, there was no assignment of the mortgage & or the note to XXXX XXXX or XXXX or Aurora in the county records. It is Florida state law that these records are to be recorded in the county records if transfer occurs of a loan. The mortgage and the note are to be kept together at all times. When Aurora purchased the loan from XXXX XXXX XXXX Mortgage, an assignment of mortgage mysteriously appeared which was predated back to XX/XX/XXXX. The assignment alleges that XXXX XXXX XXXX, XXXX F/K/A XXXX XXXX XXXX was the assignor and Mortgage XXXX, XXXX was the assignee. This document was not recorded in the XXXX County records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The document was recorded by Aurora Loan Services and prepared by a known robo-signing and false document mill by the name of XXXX XXXX. The document states that it should be returned to Aurora Loan Services after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to Aurora Loan Services ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for Aurora Loan Services. At the time this document was prepared and signed, XXXX XXXX XXXX XXXX XXXX, had in fact been defunct for 2 years. When this document was recorded, XXXX aka Aurora Bank FSB fully purchased the loan from XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX and XXXX, llc have never been a member of XXXX and would not have had the authority or the membership to assign my mortgage to XXXX in XXXX. It is obvious that this is a fabricated document and there are XXXX DIFFERENT companies involved on XXXX assignment of mortgage. After this occurred the loan was securitized and there were several other servicers servicing the loan. Then, in XXXX XXXX BANK XXXX decided to buy the loan back and serviced the loan from XX/XX/XXXX to XX/XX/XXXX with a completely different loan number. In XXXX XXXX filed bankruptcy, so why the sudden interest in my loan? Aurora Bank FSB F/K/A XXXX bought back my loan from the trust and then sold the servicing rights only to Nationstar Mortgage, LLC so it could fund itself? XXXX governs the sale & securitization of a negotiable instrument. Once the asset is sold, the bank is no longer the REAL PARTY in interest. Aurora Bank FSB bought the mortgage and note XX/XX/XXXX. I have requested information from Aurora in a QWR and I have been refused the information.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Shellpoint Partners, LLC (PA)

In accordance with the fair credit reporting act, Shellpoint Mortgages Servicing, has violated my rights. 

15 USC 1681 Section 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. 

15 USC 1666B : A creditor may not treat a payment under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-03
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. (IL)

A collection account is reporting open and with a past due balance and late payment. Per the us law a collection account can not be reporting as open or with a past due balance. When I attempt to dispute this with usc codes etc all trans union does is right back its verified to be my account. They are not addressing the inaccurate reporting or changing it as they should by law I ALSO SPIKE TO TRANSUNION WHO STATED ALL THEY DO IS CALL THE COMPNY ON THE REPORT AND ASK IF THEY HAVE AN ACCOUNT WITH MY NAME THAT IS ALLTHE VERIFICATION THEY DO. I HAVEREQUESTED ALL VALIDATION FROMTH3COLLECTION COMPANY ANDTHEY NEVER SENT IT TO ME EITHER
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-05-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

After discovering an unauthorized credit card account opened under my name, I immediately contacted the company 's credit card service to report this fraudulent activity. It was distressing to learn that not only had someone managed to open a credit card account without my knowledge or consent, but they had also made a fraudulent purchase at a store located in XXXX, XXXX. 

Living in XXXX, it was clear that I couldn't have possibly been present at the mentioned store on XX/XX/2024. Furthermore, upon receiving the bill statement, I noticed that the store credit card didn't even bear my full name. It became evident that someone had maliciously obtained and misused my personal information for their own gain. 

I promptly reached out to the customer service department of the company again after receiving the bill in XX/XX/2024. They assured me that they would close the unauthorized credit card account ; however, much to my surprise and frustration, they still demanded payment of {$620.00} dollars along with a monthly late fee of {$30.00} dollars. 

It is important for all parties involved to recognize that this situation has caused significant inconvenience and stress in my life. As an innocent victim of identity theft and fraudulence, I am seeking fair resolution from both legal and ethical standpoints.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (FL)

I took a loan with this company due to having some bills due prior to payday, I had EVERY INTENTION OF PAYING IT BACK. However, I lost my employment during the pandemic and years after that in which I was evicted from my home, lost my vehicle, denied financial assistance by everyone in my life, denied unemployment benefits, being homeless and jobless. I am BARELY making ends meet, I CAN NOT EVEN AFFORD BUS FARE and I GET LIMITED food stamp assistance, AND I AM NO POSITION TO PAY ANYTHING NOT EVEN A {$1.00}. I AM ASKING THAT THIS DEBT IS FORGIVEN AND REMOVED FROM CLARITY SERVICESE AND ALL RECORDS 30 DAYS FROM TODAY. ADDITIONALLY, THIS LOAN IS 5 YEARS PAST THE FLORIDA STATUE OF LIMITATIONS OF XX/XX/year>.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I realize this is falling on deaf ears banks have Congress in their back pockets but I feel that it is my duty as success

ful American to voice my complaint. How can Banks charge 30 % interest on consumers with
excellent credit and payment history? Each and every member of Congress and the Presidency should be ashamed of their inactivity on this matter. While I am not currently carrying balances on my cards, many hard-working Americans do out of necessity due to rampant inflation due to corporate greed and poor decisions by governing branches. SHAME ON EACH OF YOU!! 
In closing, Im going to pick on Bank of America one of Americas most complaint laden companies. I have several cards from different banks ; how is that that XXXX continues to withdraw payments when balance is XXXX, and then takes months to reimburse? Other banks do not have problem figuring this out, why XXXX continue to pocket money not belonging to them?? And is ANYONE on our side? 
WE THE PEOPLE need someones help!? 

Thanks, XXXX XXXX
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (KY)

I am a victim of a job scam and was sent XXXX checks over the course of 4 days. I deposited the first check on XX/XX/XXXX, the second on XX/XX/XXXX and the last on XX/XX/XXXX. I in good faith endorsed the checks and followed my employers instructions all while under the impression that the checks were good. The first check was returned XX/XX/XXXX and from there I filed a complaint with my bank about the fraudulent check that day. On XX/XX/XXXX they denied the first claim and all claims after that on XX/XX/XXXX. When I called and tried to speak with someone in the Fraud and Claims department they belittled, ridiculed, and insulted me for falling for this type of scheme. I even got in contact with a local branch manger who again belittled, ridiculed, and insulted me for falling for this type of scheme. I was informed by the supervisor of the Fraud and Claims Department that they would not be helping us to recuperate the {$6000.00} in bad checks and that I had 60 days to bring the account into good standing or I would be sent to a collector. I filed a claim with the Kentucky Attorney Generals office, FTC & FBI who are all investigating and that didnt seem to matter at all with my bank ; who wanted to just victimize me more over a crime that is so predominate anymore
Consumer complaint received 2024-05-24
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC (AZ)

I signed up with National Debt Relief in XX/XX/year>. As of this date, National Debt Relief has only settled two of my nine accounts. I was paying them {$180.00} every two weeks. My savings account with XXXX had reach well over {$2000.00}. National Debt Relief withdrew many fees from my account for themselves. One very large fee well over {$1400.00} that they claimed was a settlement fee. On XX/XX/XXXX, at the advice of a financial counselor not affiliated with National Debt Relief, I was advised to revoke the POA with National Debt Relief because they appeared to be just taking my savings ( that was supposed to settle accounts and pay creditors ) and keeping it for themselves. I revoked the POA and settled the accounts myself. When I asked National Debt Relief for a refund, they refused but told me that I owed them another {$340.00} which I refused to pay. Since they did not settle my accounts, I would like my money back.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please don't ignore my request to repair the following accounts : 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
Consumer complaint received 2024-05-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (CO)

During my divorce proceedings 5 years ago, my ex fraudulently filed her personal taxes, claiming sole custody of our children for dates when she was still living under my roof, and not reporting her private home cleaning business income, at the same time reporting a greatly exaggerated income for myself. Resultantly, the IRS rejected my filing and demanded that I pay additional fees and fines. My XXXX XXXX didn't inform me, so I didn't find out until nearly 8 months later, at which time I called to report the issues to the IRS. They didn't care and demanded immediate payment which I refused for the causes stated above. The following year, the IRS abandoned their claim, but a collection agency named " Central Portfolio Control '' purchased the " debt '', and have been trying to recover it for 3 years now. I responded to their initial emails with the explanation previously given, and the attempts stopped for a while. They have recently begun calling my cell phone from multiple fake numbers and call centers, even after I explained that the debt was not valid ( twice verbally and once via email ). Now they have begun calling my family members on their private cellular and home phones, pretending to be account managers and requesting my cell phone number or other personal contact information. This is a blatant violation, and is harassing and dishonest in nature- it needs to be stopped, and those responsible need to be fined or charged for their dishonest and illegal actions.