davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (LA)

This credit card was opened on XX/XX/2023 with a balance transfer option. I received the cards and activated them. On XX/XX/2023 when logging into my account online, I noticed it was flagged for fraud with a toll free number to call. When calling that number, I was able to verify my credit card number and the security question answer. When speaking to the agent, I was told I needed to be sent a verification code. Instead of sending the code to the phone number that is already registered to the account, I was asked to provide a phone number to send it to. I provided the same phone number that is registered to the account. I did not receive a verification code. When I asked if the agent sent it to the correct number, she confirmed that she did. I told her that I had not received the verification code and she asked if she could send to another number. I explained to her that I only hade one phone number registered to the account, and I thought it strange that she'd be able to send a verification code to any other number. She asked for the number anyway. I gave her my work cell phone number. After she stated she sent the verification code, I still had not received any. I was asked if I had a home phone number. I told her I did not have a home phone number. I requested she send the verification code to the email address on file since the phone verification was not working. She stated that she could not send an email verification. I was informed that the next step would be to send a letter with a confirmation code to the mailing address on file. 

I find it frustrating that their fraud verification system does everything except to verify who I am when necessary. I am being denied access to my account due to a faulty security system on their end. I have already checked with my cell phone provider. I do not have a block on two factor authentication. After ending the call, I was able to log into my Citi account online. When I clicked on My Profile, it prompted me to receive a verification code. I clicked to proceed, and that verification code came through without any issue. However, since my account is still locked due to potential fraud, that was the furthest I could go.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XXXX I started to get unemployment. Well in XXXX bank of America froze my account which was unemployment money. Made a different excuse every day why they did and for what reason. Refused to give me my money from my account. The amount was about XXXX. Still to this day have not got my money. Or any response from them. They froze frederal money during covid and wasn't suppose to. Wrongfully used and took my money. Made excuse to close my account when they had no reason. I want to sue for, no less than XXXX
Consumer complaint received 2024-04-22
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: Experian Information Solutions Inc. (AL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I see there is a public record on my credit report that is inaccurate. I reached out to the bankruptcy court and they verified that they do not report bankruptcy information to credit bureas.i would need for this to be investigated
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (TX)

I logged into my XXXX XXXX XXXX XXXX app to see my credit reporting. I saw an inquiry posted on XX/XX/year> about an inquiry at Barclays Bank in XXXX Delaware posted on XX/XX/year> to my credit history. I have never been to Delaware and I knew immediately it was fraud. I tried to call the bank but the first immediate question asked was, Whats your credit card number? I immediately hung up without saying anything. The banks address is allegedly po box XXXX XXXX, Delaware XXXX and their phone number is XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX. These list of accounts have violated my rights. 15 U.S.C 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2, states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 U.S.C 1681 ( C ) ( A ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any information related 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 2023-02-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY (CA)

The Bank is " American Express Business Bank '' They received a wire from a client of mine directing to me. First and agent told me that I'd be able to receive the wire without an issue even if it's international. Once they sent it and it never arrived I reached out and they said that Amex can't receive international wires because they don't participate in the swift program so by default the wire couldn't be credited to me so they sent it back. 

That was on XX/XX/23 both the receipt and the refusal from Amex. It is now XX/XX/23 and I have imad numbers from the transaction being sent. But now it's been on hold with the intermediary bank and they have yet to release the funds to the original sending account in the XXXX. When I call XXXX XXXX XXXX which is the intermediary bank they said because I'm not a client I cant tell me the wire info. 

I've called the wire department at the intermediary bank with the wire department at American Express and they said to have Amex send a swift message but Amex does not have swift capabilities so they sent out a secure message which I also have an imad number for but XXXX XXXX XXXXXXXX is not responding. If this money doesn't get back to my clients I will lose their contract due to associated negligence on my part albeit not my fault
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 — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

PennyMac Loan Services LLC reported to the three credit companies a 30 day late/ non payment for the month of XX/XX/2022. While they are in a current dispute. This reporting of a missed/ non payment was falsely reported. because the dispute was sent to and received by PennyMac Loan Services LLC long before the standard, and legal15 day late payment grace period. The dispute was sent out XX/XX/2022 certified mail and was received by PennyMac Loan Services LLC on XXXX XXXX which stop all reporting of any late or missed payments fro that month and moving forward while the dispute is ongoing. Subsequently PennyMac Loan Services LLC hired XXXX XXXX XXXX XXXX. to illegally file a Civil Complaint for a Foreclosure while still dealing with a ongoing unresolved dispute of contract. PennyMac Loan Services LLC has ruined my credit and violated the 15 day late grace rule, They also are practicing abusive and deceptive debt collection, as cited by 15 U.S, Code 1692 ( a ). Also they are in violation of 1006.18
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a XXXX XXXXXXXX credit card showing on my credit report that was closed due to fraud charges. I was never issued a new card and the account was closed completely. XXXX XXXX is now reporting a balance on the closed account when it should show {$0.00}.
Consumer complaint received 2024-08-06
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: CITIBANK, N.A. (FL)

Closed account still in dispute/investigation due to inaccurate delinquent remark. 
Dispute since XXXX XXXX. Company did not fix error. Serious damage to credit report. Account 100 % on time payments the last 72 months.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/year> USSA debit my checking account. Twice in one day online only authorized XXXX dollars. I called in speak with credit card company and then transferred to checking department. Then tried put the mint in a non authorized bank ending in XXXX. I called in ask why they not putting the money back in the account they took the money from. I have calling in every day since XX/XX/XXXX th. I get different emails every time.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/ I arrived in XXXX, XXXX. I was waiting for a taxi and was approached by a man in a blue uniform. I was taken to a car and as we left the airport was asked to provide my credit card. I did that but then became suspicious when they would not issue a receipt. I immediately called my credit card company to report the problem. 

The credit card company Capital One removed the charge which was {$6300.00} from my statement. They sent me paperwork which I completed. The charge then reappeared several months later. I again called the company and the charge was again removed. 

The charge has now reappeared on my statement and the company refuses to remove it. I am a XXXX XXXX XXXX XXXX  of age and can not pay this amount. I have searched the internet trying to find out about this company but have been unable to locate any such merchant. The number listed on the initial charge was not a working number. 

The credit card company says since I can not prove I did not receive service they must get payment from me. Please help me resolve this matter. The original card was cancelled. It ended in XXXX. They issued a new card which is listed below.
Consumer complaint received 2024-05-24
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. (SC)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT NUMBERXXXX
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I've consistently made sure payments are made on time for this account, never letting them become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-07-06
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/2024, a request for debt validation was sent to LVNV Funding LLC via certified mail. The company acknowledged receipt of this letter on XX/XX/2024. 

Details of the Complaint : Lack of Response : As of today, no response or documentation has been received from LVNV Funding LLC. The period for a response is not yet complete, but the delay is causing concern and stress. 

Non-Compliance Concern : The lack of timely response raises concerns about whether LVNV Funding LLC is complying with the Fair Debt Collection Practices Act ( FDCPA ). The disputed debt continues to appear on the credit report, which is impacting credit worthiness. Specifically, LVNV Funding LLC has not provided : Proof of their legal ownership of the debt. 
Evidence of authorization to collect the debt. 
A detailed account history including all charges and payments. 
A copy of the original contract or agreement with the original creditor. 
Proof of proper notification about the debt. 

Impact : The continued presence of this disputed debt on the credit report is causing undue financial and emotional stress.
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

On XXXX XXXX, XXXX, we incurred a financial obligation when we purchased our home located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX for the amount of {$400000.00}. The loan was evidenced by a Security Deed, '' naming Freedom XXXX as the " Lender '' and XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as the " grantee, '' or beneficiary, of record acting solely as nominee for same.Sometime thereafter, a company named XXXX XXXX XXXX XXXX to service our XXXX began to experience financial difficulty and had problems meeting our monthly loan obligation. As a result, on XXXX XXXX, XXXX, entered into a " Forbearance Agreement ' with XXXX XXXX XXXX whereby we agreed to make monthly installments in the amount of {$2500.00} starting XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. We began making the payments as agreed ; however, after making our several payments, we received notice of assignment from XXXX XXXX XXXX advising that XXXX XXXX XXXX XXXX , XXXX would now take over our loan.We contacted XXXX XXXX XXXX XXXX , XXXX in effort to continue our " Forbearance Agreement '' payments but XXXX XXXX XXXX XXXX XXXX XXXX refused to honor the agreement and began to send us letters threatening foreclosure. Thereafter, on XXXX XXXX, XXXX, a subsequent assignment was performed by XXXX transferring the security deed to U. S. Bank XXXX XXXX. Then on XXXX XXXX, XXXX, MERS performed another assignment to XXXX XXXX, XXXX. The assignment to XXXX XXXX, XXXX is the last and final assignment in the record. U.S.Bank National Association XXXX XXXX, XXXX would honor the above mentioned forbearance agreement and have absolutely refused to give us a loan modification. On or about XXXX XXXX, XXXX, we forwarded to U.S. Bank a Qualified Written Requests ( QWRs ) requesting that U.S. Bank provide, us with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. ) We have reason to believe that our loan account had been improperly serviced in that credits for payments made by us had not been applied to our mortgage loan account and that we would not have been in default if we had received all credits for the money we had paid on our mortgage loan account. U. S. Bank National Association did not respond to the QWR, took no responsive action and undertook no investigation into the issue raised by the QWR. Despite all of our efforts to get a loan modification, on XXXX XXXX, XXXX U. S. Bank National Association foreclosed our home.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CATHAY BANK ()

I became a victim of ATM skimming while traveling abroad. My Cathay Bank, XXXX branch, checking and savings accounts were fraudulently withdrawn from various XXXX  XXXX XXXX ATM machines between XXXX and XX/XX/year>. My total loss is {$8500.00}, including {$130.00} in bank charges. I noticed and reported the fraudulent ATM activities to Cathay Bank after I returned from the trip on XX/XX/year>. I also reported the incident to the local police precinct in XXXX, NY, but they could not take my case as the crimes occurred overseas. I asked my sister to file a police report in XXXX on my behalf. Cathay Bank returned {$800.00} to my account on XX/XX/year>. Today, Cathay Bank informed me that they are unable to recover the rest of my stolen funds. I am missing {$7700.00}, which constitutes my entire retirement savings.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

About XX/XX/year> I emailed a request to cancel my Chase bank Private Client Debit Card. XXXX responded that he can't. I responded with a demand that the card be canceled immediately. No response after that. 
XX/XX/year> I contacted by email XXXX XXXX for help. I tried emailing XXXX the bank XXXX but no resonse. XXXX sent my email to the complaint escalation dept. on XX/XX/XXXX. 
XXXX XXXX I received a letter from Chase bank XXXX XXXX XXXX XXXX saying the had not been able to reach me. I've had no problem emailing XXXX XXXX at Chase bank. 
Bottom line is I demand my Private Client Debit Card be canceled immediately as I demanded on XX/XX/year>.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX