davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I, the consumer and natural person, applied for a line of credit on XX/XX/XXXX. I was wrongfully denied credit by Citibank N.A. when I applied for Costco Credit Card. 
I, ( lowercase name )  Agent here on behalf of ( upper case name ) Principal hereby accept all titles, rights, credit, interest and equity owed to the ( uppercase name ) Principal. 

Regardless of the reason for denial, I have the RIGHT to credit. 15 USC 1691 ( D ) ( E ) Withholding my access to my securities is securities FRAUD. Federal Reserve Act section 16 ( 1 ) & ( 2 ) I have recorded multiple Citibank supervisors & managers from the consumer credit department admitting to violating the Equal Credit Opportunity Act by way of Discrimination. Without Equality there is Discrimination! 

Meaning a person with a XXXX credit score shall be given equal opportunity to credit as another person with a XXXX credit score. 

Citi bank is in violation of Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying me access to my credit. 

Other Violations Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k.

You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by Citibank due to the response I received.

Citibank is in violation of 15 U.S.C. 1642, U.S.C. 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used on an application, turning it into SECURED COLLATERAL which is PREPAYMENT of credit and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Citibank N.A. Which is also SECURITIES FRAUD I am demanding Citibank release my collateral security for Best Buy & Costco cards in the amount of {$15000.00} each! And mail out my credit cards to me within 7 business days. Also provide Costco the approval code for my immediate use.

If Citibank fails to make any reasonable procedures to resolve this matter within 5 days of receiving this letter and approve me for the use of my credit card I will indeed make Citigroup N.A. criminally and civilly liable for ALL actual damages pursue it to 15 USC 1681n and 15 USC 1681o.

Including REVOKING ALL SECURITY INTEREST FROM CITIBANK N.A.
Consumer complaint received 2023-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Account # XXXX Date : XX/XX/2023 Based on the Office of the Comptroller of the Currency ( OCC ) official comments, Wells Fargo didn't capture all of their clients that were involved in denied Loan Modifications. Numerous individuals lost their homes due to the robotic foreclosures that took place during that timeframe. My property in XXXX  XXXX Florida ( XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ), formally part of XXXX. was one of those properties that should've have been part of your original class membership. The fact that it wasn't identified is the real problem that the OCC had noted.

I strongly believe that the initial review performed by Wells Fargo to identify these properties was not encompassing, thus incomplete. The various updates provided by the OCC reflected that the number of homes affected ranged from XXXX to XXXX homes. One can reach the conclusion, that not identifying all of the potential clients may have been self-serving and ultimately saved Wells Fargo XXXX in penalties and settlements. My primary residence fell between the cracks and I'm sure there are other properties that were not properly identified. XXXX, they were not included in the class action suit, thus not entitled to any of the penalty funds put aside for this purpose.

The attached documents reflect correspondence ( s ) between the individuals that were coordinating these efforts for " Wells Fargo ''. As noted, the responsible representatives and/or assigned Attorneys just ignored the correspondence and foreclosed on my property, without a modification. The foreclosure ultimately lead to bankruptcy. 

Please review the information that Ive attached. If you need any additional information please contact me via my email ; XXXX and XXXX respond promptly. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-11-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (MD)

XX/XX/2023 I tried to use a consumer credit transaction at XXXX XXXX XXXX XXXX. from the moment I entered the dealership I felt discriminated against. I gave them my name social security number and signature for a XXXX car. I was denied because of the amount of income I wrote on the application. they also told me they would not run my credit which they did as well with out giving me an adverse decision letter.
Consumer complaint received 2023-11-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Climb Credit Inc. (CA)

Hello, On XX/XX/2023, I sent a letter of debt validation. This letter was specifically asking them to please validate the debt that I supposedly owe. They ignored the letter and kept calling my phone in which is a violation. I sent another letter in XX/XX/2023 and got an email stating that they received the letter and will send proof of validation. I never received the proof. Instead I have received calls and they reported supposed late payments to the credit bureaus of a debt they still have not validated.
Consumer complaint received 2023-11-02
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Experian to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Experian did not take any action regarding the incorrect and fraudulent information on my credit report. Experian within minutes in most cases sent me an automated email saying your investigation is complete. This is a clear violation of the section 605B of the Fair Credit Reporting Act and Experian should be held accountable. 
Their inaction is making my life unfairly difficult. 

Please make Experian comply with the Fair Credit Reporting Act and remove incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (OR)

in 2022, PHH mortgage double paid the property taxes. Then they hit me a negative escrow charge & I lost the interest income that would have come had they not made a mistak. PHH mortgage did not service my loan and failed to catch & correct their mistake
Consumer complaint received 2023-04-30
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: Convergent Resources, Inc. (NY)

i have accounts on my credit that do not belong to me, the company 's say they do belong to me, and said they have proof when in fact they dont my info witch is my ID and SSN dont match what they have.
Consumer complaint received 2023-11-02
Product: Credit 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: WELLS FARGO & COMPANY (MS)

I was charged twice by XXXX on 2 separate bank accounts. I called my wells fargo credit card to let them know and to refund me the amount but they have refused. The transaction was done on XX/XX/XXXX I have already provided a statement from my XXXX XXXX XXXXXXXX checking account showing i was charged twice. They have refused to refund the tranasaction after several attempts. They have not sent me any correspondence no phone calls emails etc. All attempts of communication have come on my end without wells fargo taking any initiation.
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (MO)

Experian Finnishing the day as it started with another ridiculous explanation without addressing the issue, To any American reading this Do not trust these customer service rep that can barely speak XXXX and have absolutely no power to do anything but say ESCALATION which mean absolutely nothing, you can its SEE I AM NOT A PRIORITY or care that I have filed over 500 complaints on this fraudulent crooked company and there best computer generated response does absolutely nothing to address the issue and the only other thing they have done is have a XXXX XXXX  speaking customer service rep named XXXX who has no power to do any but call and harass me and her calling is a ploy by experian to show contact so they can say too the federal government is that they are incontact and workig with you when there doing nothing but stalling and push cards to people cant afford the rate. These ccompanies push worthless credit cards with loan shark interest rates THERE SUPPOSED TO KEEP YOUR SCORES LOW SO THEY CAN MAKE MONEY OFF YOU BECAUSE IF YOU GET GOOD OR GREAT CREDIT SCORES WHY WOULD YOU NEED THEM, SCAM SCAM SCAM SCAM SCAM
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management filed a lawsuit that stating that I owe {$2000.00} stemming from XXXX XXXX in XXXX. I went to court to advise this was not me they requested a fraud investigation. I filed information and mailed copies to firm. I still was notified to come back to court on XX/XX/XXXX @ XXXX where I will present my documents to the judge.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-16
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. (FL)

I XXXX XXXX they keep reporting me late I keep writing them theyre halfway communicating with me they dont have a phone number to be rich theyre not corresponding to any of my emails My account has a XXXX balance on them. Im paid up in full and they reported me late and when I ask them to correct it, they went and reported me 60 days late the next day to be funny. This company is purposely trying to mess up my credit report
Consumer complaint received 2024-07-22
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: Mr. Cooper Group Inc. (KY)

We have been trying to get a modification through Mr. Cooper but keep getting denied. We have asked numerous times about paying a higher rate, that they proposed due to them not being able to modify our account enough to lower the payment and now they are wanting to reset a sale date on our home. We have shown them again and again that we are financially able to make payments at the higher rate, but get nothing but a run around.
Consumer complaint received 2024-04-01
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

i put in for a wire transfer dispute i never received and dispute for fees and transactions on my account totaling about {$7500.00} bank of America kept flagging my account and told me it would take XXXX to XXXX  days to investigate and never gave me a credit or gave me my money back this has put me in debt with my car company because i was not able to pay my bills to XXXX  XXXX XXXX
Consumer complaint received 2023-04-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On Saturday, XX/XX/2024, there was a fraudulent XXXX XXXX XXXX XXXX application using my personal information. On Tuesday, XX/XX/2024, I received a credit alert about a hard inquiry on my account and contact the XXXX XXXX department. I was told the credit card application was shut down and that it was reported to the credit bureaus. However, it is almost one month later and the hard inquiry has not been removed. I contacted TransUnion and they advised that I can not submit a dispute for a hard inquiry and that XXXX needs to update my credit report to remove the hard inquiry. After contacting XXXX again, I was told that I need to wait up to 90 days and then contact them back if it has not been removed. This is not a satisfactory resolution time as this was fraud and should be resolved quickly so as not to impact the credit score and report of their customer.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK (AE)

On XXXX XX/XX/2023, I opened a high yield money market savings account with Vio bank. I am a military member overseas and XXXX while convenient for military members does not have decent interest rates so I wanted a supplementary account for my accessible savings that would make more interest. I got a notice on XXXX XXXX that my account was ready to go. I funded it with a {$1000.00} transfer from my XXXX account, and when I got paid I scheduled another {$5000.00} transfer. I received an email on XXXX XX/XX/2023 that the transfers failed because " The account you are transferring to can not currently be used for transfers '' according to an email. I tried to log in but it said my log in did not work and to contact customer service. I tried to call, but since I am overseas, the time difference makes it difficult to call during their opening hours. I emailed, and they told me to call. Today I received an email that my account was closed with no explanation. I stayed up late to call the bank and try to figure out why and they said they closed it per their terms of service and would be providing no further information. I requested to speak with a supervisor and they said one would call me, and then hung up on me. While I was on the phone with customer service demanding information, I said this better not impact my flawless credit history just because they closed a bank account with no explanation. I can not imagine what could possibly be the issue other than I am a military member overseas. I have my home of record in Iowa at the house that I own and maintain a residence. We are in XXXX under orders pursuant to the XXXXXXXX XXXX XXXXXXXX. It is not like we are expats. I wanted this account so my savings could actually make some money for once but after dealing with their awful customer service, really all I want is to make sure there is nothing negative on my credit history just because they refused to let me transfer money to a bank account they approved.
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MD)

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am filing an urgent complaint regarding an unauthorized and fraudulent collection account reported by Credit Management LP on behalf of XXXX XXXX, which has appeared on my credit report. This account is a direct result of identity theft and is causing significant distress to my financial standing. I want to assert that I have never conducted any business or held an account with XXXX XXXX at the address associated with this collection account. This discrepancy indicates a clear case of identity theft, which has unfairly impacted my credit history and overall financial well-being. The presence of this unauthorized collection account has created an erroneous and unjust impact on my credit report. I am formally requesting the immediate removal of this account from my credit report. Additionally, I insist that all collection activity related to this account by Credit Management LP cease immediately. It is evident that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ) due to its fraudulent nature, and I firmly believe it infringes upon my rights as a consumer. I demand prompt action to rectify this situation and to restore the accuracy and integrity of my credit report. Enclosed with this complaint, you will find supporting documentation that substantiates the claim of identity theft and the erroneous reporting of this collection account by Credit Management LP. I urgently seek your intervention to investigate this matter and ensure the immediate removal of this fraudulent account from my credit report. Additionally, I request your assistance in halting all collection activities associated with this account. Please do not hesitate to contact me should you require further information or supporting documentation. Thank you for your immediate attention to this matter. I eagerly await your prompt resolution and assistance in addressing this issue.