davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Applied and received a NEW Citibank XXXX XXXX Credit Card. Received the physical card on or about XX/XX/year>. Activated the card for myself and authorized user ( my daughter ). First purchase/transaction was declined and fraud alert attached to account. My daughter called the number indicated and reached call center in XXXX. She was told that I ( primary cardholder ) needed to call in to verify identity. On XXXX XXXXXX/XX/year>, I called the " fraud division '' for Citibank and once again connected to call center in XXXX. The representative barely spoke XXXX, but I agreed to continue with the " verify '' identity process. I was asked to provide a " different '' phone number ( other than my cell phone ) to verify identity. I gave them my daughter 's cell phone number. I was told that they " could not use this number ''. She then asked for my Employer phone number, I indicated I was XXXX She then proceeded to ask me if I had a different credit card account ( from different company ), I reluctantly provided information for a XXXX XXXX credit card ( including full account number ). Once again I was told " this verification did not work ''. She then proceeded to ask me for my bank account name, routing and account number. At this point, red flags ( data mining ) I stopped the verification process. I then indicated that I wanted this account cancelled. She asked me to verify the last three ( 3 ) transactions on the account and the method used to pay the bill. My response was " there are no transactions as this account was just opened, and a fraud alert was issued ''. The representative was clearly following a script, and kept on with the " we can not verify this account/identity. '' At this point I was speaking loudly into the phone to CANCEL THIS ACCOUNT, since it is useless. The representative refused the cancellation request, saying the account could NOT BE CANCELLED until the verification process was complete. I then asked for a supervisor, who was connected after waiting another XXXX minutes. Again, I said CANCEL THIS ACCOUNT, and she told me the account could not be cancelled until I verified the last three ( 3 ) transactions and payment method. After mounting frustration and unable to get this call center ( and reps ) to acknowledge this account has NEVER BEEN USED, I had to end the call. I want this account cancelled, Citibank refuses to close the account until my identify is verified. However, I refuse to provide my banking information from a different institution because of their " verification '' process requirements. I want this account closed immediately.
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

My daughter applied for a parent plus loan for {$20000.00} back in the year XXXX  the loan has now ballooned to {$65000.00}. I paid so far {$11000.00} on this loan. 
I recently moved this loan to XXXX because I can not afford to pay {$480.00}. Please Advise.
Consumer complaint received 2024-06-26
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. (GA)

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Byrider Franchising, LLC (TX)

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts [ CNAC & XXXX ], [ Name of Account & Account Number J, [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 
Its been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They also violated these laws. and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Lendmark Financial Services (OH)

On XX/XX/year>, I satisfied my debt on a XXXX XXXX  whose lien is being held by Lendmark Financial. I made this payment through a XXXX XXXX XXXX XXXX who handles payment for debts in collections with Lendmark financial. That payment information was then passed on to XXXX XXXX who has an agreement to handle title services after collection of payment. I was told at the time of payment that I would receive my title in the mail in XXXX days. At 60 days after not receiving the title, and noticing the lien still present through the XXXX, I contacted Lendmark requesting the lien be released. They told me I had to contact XXXX XXXX ( the XXXX XXXX XXXX XXXX ) to have them inform Lendmark that the debt had been satisfied so that the lien could be released. I placed MANY phone calls to XXXX XXXX without being able to even reach them, and when I finally did reach them, they told me Lendmark had to contact them and they do not make outbound calls. I have been bounced back and forth between both Lendmark and XXXX XXXX and as of today XX/XX/year>, I still do not have my title and the lien still remains. I can not get ahold of XXXX XXXX, and Lendmark has told me over the phone and email that they have satisfied their obligation in the matter and can no longer help me. This needs to be resolved ASAP. The motorcycle, MY motorcycle, has sat the entire riding season due the inability to register it because of the lien even though it has been paid off for almost 5 months.
Consumer complaint received 2024-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Credit and Collections Inc. (KY)

I saw that XXXX XXXX and XXXX put a {$200.00} charge on my credit. Upon calling, I was informed it was for a water bill for a home I no longer own/reside at. I had closed the account prior to moving and was confused as to how there was a remaining balance. I requested validation of debt. My first contact ( XX/XX/XXXX ) I was spoken over and hung up on and I had to call back to speak to someone else. I followed up today ( XX/XX/XXXX ) as I have not received the validation documents as of yet and was told by XXXX XXXX XXXX XXXX ) that they were sent on XX/XX/XXXX. She validated my mailing address as accurate and said she would send them XXXX more time after that she couldn't help me anymore. I requested to have them sent via email but she refused. She then began to speak over me and refused to transfer me to XXXX. I requested multiple times to speak to a supervisor and she hung up on me. I called back and spoke to someone else to complain but it seems that speaking over consumers and being difficult to work with is a standard tactic for this company.
Consumer complaint received 2023-11-19
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: CITIZENS FINANCIAL GROUP, INC. (DE)

In accordance with the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to rectify or expunge inaccurate, incomplete, or unverifiable information within a stipulated timeframe, typically 30 days. It has come to my attention that XXXX is currently in breach of FCRA regulations, as the company has failed to conduct a thorough examination of disputed information and subsequently eliminate the aforementioned data from my credit report. Instead, XXXX persistently reports information that is inaccurate, inadequately verified, and incomplete. 

Upon disputing the accounts with Citizens, it was observed that inaccurate and incomplete information, including but not limited to the date of last payment, reported balances, payments made, and account history, was provided by Citizens. A proper investigation by XXXX would have revealed a recurring pattern of inaccurate reporting by Citizens ' Bank spanning at least six months. Notably, the same Citizens account appeared twice on my credit report for extended periods, with varying account opening dates and balances. It is imperative to highlight that this account, opened in XXXX, is no longer legally valid. 

In a recent dispute, XXXX removed one Citizens account from my credit report, which indicated an account opening date in XXXX and a duration of over 16 years. However, XXXX allowed Citizens to renew this aged debt by presenting the second Citizens account with a " no info '' designation for the date the account opened, accompanied by other incomplete information. This renewal of the account, coupled with persistent violations of debt collection laws by Citizens and its predecessors, has adversely impacted me in various ways over the years. These repercussions include hindrances in employment considerations for the year XXXX, imposition of higher interest rates on financial transactions such as my car loan in XXXX, and disqualification for loans or credit cards. 

It is essential to note that consumer reporting agencies are prohibited from reporting outdated negative information. Therefore, the continued reporting of this loan from XXXX, which has been charged off and renewed for an extended period, raises significant concerns and further underscores XXXX 's non-compliance with regulatory standards. 

Citizens and their predecessors are currently found to be in contravention of the Fair Credit Reporting Act ( FCRA ) as they serve as furnishers of information to consumer reporting agencies. Notably, they are supplying data that is incomplete, inaccurate, unverifiable and includes negative information that has become outdated. The provided information has not undergone adequate and sufficient validation processes, raising concerns regarding its legal collectability.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CA)

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (MN)

I have been disputing the Student Loans since I discovered the fraud by filing a police report in XXXX which I have provided and I have 2 court rullings in my favor on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  for dismissal of the debt which both are directly linked to the current Federal Student Loans that are held with Nelnet. 

I have provided all this information and documents in detail and Nelnet keeps saying stating the same thing that is in their letter dated XX/XX/XXXX that is attached. Once again they will not provide their fraud report nor consider the facts that I have provided. 

Again, Nelnet needs to discharge these Fraulant loans and reimburse me for the payments I have made thus far which was made by me in XXXX b/c it directly states on the discharge application that the individual should continue to make payments b/c they will be reimbursed if/when the loans get discharged and so I did as I did not want it to hurt my credit and then I was also dealing with the Judgement that I won on XX/XX/XXXX which was filed aginst me in XX/XX/XXXX but once again the ruling for the case was in my favor and dismissed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX documents- There is some confusion on the information that I provided to XXXX XXXX The address on page XXXX and XXXX XXXX is NOT Fraud and is 100 % accurate. Again those addresses are correct and should NOT be removed as Fraud. I provided those address to support my claim the loans with Nelnet are Fraudlant b/c the address that I provided in XXXXXXXX XXXX  and in attachment " Credit Reporting Dispute Letter '' is where I was living during the time the Fraudulant loans were taken out and are currently held with Nelnet. This can be collaborated with my School Transcript which I have provided many times. 

AGAIN TO CLARIFY ALL THE ADDRESSES ON THE LAST PAGE OF THE ATTACHMENT " CREDIT REPORTING DISPUTE LETTER " ARE ACCURATE AND SHOULD NOT BE REMOVED. THIS IS TO SUPPORT MY CLAIM Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (TX)

Hi. 

I applied to Chime through XXXX, a cashback site. It was a {$410.00} bonus. I completed all requirements, waited the timeframes, but I did not get the bonus credited to my account. 

On XX/XX/year>, I applied for the Chime app through the upromise link. The application went pending, and I was approved the next day I believe. I have additional screenshots of me going through the upromise link and applying to chime. My first direct deposit date was Thursday, XX/XX/XXXX. 

On XXXX, I submitted a ticket to XXXX. They stated that " After conducting a thorough review, we regret to inform you that we are unable to confirm proper tracking of this activity. Unfortunately, without conclusive tracking, we will be unable to credit your account for this activity. '' On XXXX, I contacted Chime about the issue with XXXX being able to " confirm proper tracking of this activity ''. Chime simply referred me back to XXXX. They refused to contact them on my behalf to provide confirmation that I completed the offer and I am owed the {$410.00} credits. 

Chime should not offer this promo with the XXXX party XXXX, if they didn't plan on paying out, or investigate missing cash back. Something is wrong with the tracking. I want Chime to contact XXXX to confirm I did complete all the requirements. 

Thank you.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

Subject : Shellpoint Mortgage Servicing / Newrez Mortgage LLC Gross Incompetence and Neglect To Shellpoint Mortgage Servicing / Newrez Mortgage LLC, I am fed up with the utter incompetence and neglect your company has shown in managing my mortgage account. After enduring countless issues, the final straw has been your refusal to act on my property tax refund. 

Your company overpaid my property taxes by {$1100.00}, and I have been trying to get this refund processed for almost XXXX months. Despite contacting your business over XXXX timesthrough emails, phone calls, and your online portalnothing has been done. Not a single step has been taken to resolve this issue. Meanwhile, I am in a state of undue hardship, desperately needing the funds that you owe me, yet your company refuses to do anything about it. 

This is beyond negligencethis is blatant disregard for your customers. You have proven time and again that you do not care about providing even the most basic level of service. Its clear that once you have your hands on our money, any responsibility to help or even respond goes out the window. 

To anyone considering Shellpoint Mortgage Servicing or Newrez Mortgage LLC : Dont. This is, without a doubt, one of the worst customer experiences I have ever had in my life. This company will take your money, ignore your pleas for help, and leave you in financial ruin without a second thought. 

I demand that you process my property tax refund immediately. Your continued inaction is completely unacceptable, and I will not tolerate any further delays. If this matter isnt resolved immediately, I will escalate this issue to every relevant regulatory body, consumer protection agency, and legal avenue available to me. 

This needs to be fixed nowno more excuses!!
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (PA)

To Shellpoint Mortgage Servicing XXXX Newrez Mortgage LLC, I am disgusted and outraged by the absolute incompetence and disregard your company has shown in handling my mortgage account. After being dragged through an unnecessarily lengthy process, I was approved for a three-month forbearance plan, which explicitly stated that no payments were required until the plan ended. 

Despite this, your company took it upon itself to deduct money from my bank account, leaving me completely broke and unable to afford even basic necessities, including medicine. This is not just a mistakethis is theft. 

I have repeatedly asked for auto payments to be disabled, yet your company outright refuses to comply, continuing to steal from my account while I am still under a forbearance plan. This is beyond negligence ; its outright malicious. 

Your customer service is a joke. Calls and emails are ignored, and there is zero care or urgency in addressing serious issues. Its clear your company doesnt give a damn about your customers, especially when theyre in distress. 

To everyone reading this : Do not, under any circumstances, allow Shellpoint Mortgage Servicing or Newrez Mortgage LLC to service your mortgage. You will regret it. My experience has been nothing short of a nightmare, and I wouldnt wish it on my worst enemy. 

I demand the immediate return of the funds your company has stolen from my account and expect no further unauthorized deductions. If this is not resolved immediately, I will take this to every regulatory authority and consumer protection agency available. 

Fix this. Now.
Consumer complaint received 2024-09-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

I XXXX XXXX XXXX XXXX. Purchases were made and the funds were pending per each transaction on the ship totaling {$4300.00}. At the end of the trip XXXX settled to bill with an additional {$4300.00}, creating a double charge on my account. XXXX stated that the bank will release the charges after 2-3 days, Cash App site states it will take 2-3 to drop off and has not done so. I have been charged {$8600.00} to date and it is not the settled bill.