davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I applied for a Citi XXXX card, principally because I had to make a large purchase in the following two weeks, and they were advertising a sign-up bonus in exchange for adding {$4000.00} to the account balance in the first two months. But they did not disclose an annual membership fee at sign-up. 

That card never arrived. Citi did however immediately begin sending me bills for the annual membership fee, and within a month, another additional {$40.00} late fee bill. 

On XX/XX/XXXX I called again to let them know the card had never arrived, and that I would be hugely inconvenienced if I did not have it on hand to make the large purchase for which I had signed up. The representative said they would send another one immediately, which also failed to arrive. 

I began to receive paper bills and automatic " this is an attempt to collect a debt '' calls. So on XX/XX/XXXX I called again, and explained I believed their marketing practices were illegal, that I would be unable to use the card and its promotional value, and that I needed to close the account and would file a complaint with XXXX. The representative offered to extend the promotion for six months, to cancel the late fee and the membership fee, and said Citi would call me back within a week to confirm. They also offered to overnight the new card to me. That card finally arrived, but I didn't activate it, waiting to hear back about the new promotional terms. But the debt collection calls related to a past due fee have also continued. 

So on XX/XX/XXXX I called again, and the representative said she had no record of another representative having extended a promotional offer or of offering to cancel the membership fee. I am still being billed for a membership fee for a card I never even activated. I assume this could negatively impact my credit, since I refuse to pay for a card I never even activated. The representatives kept me on the phone for over an hour, transferring me to different departments to try to convince me not to cancel my account, and I was unable to get them to cancel the {$95.00} membership fee or to close my account.
Consumer complaint received 2023-11-20
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: SERVICEMAC, LLC (OH)

In XXXX, XXXX sent mail/emails informing ServiceMac taking over the management of the mortgage as of XX/XX/XXXX. The first mail/emails included the new mortgage services, ServiceMac, the new address, and later on the new account number. The mortgage payment of {$1200.00} was initiated through XXXX on XX/XX/XXXX and an ACH withdrawal was posted on XX/XX/XXXX, performed by ServiceMac. Two weeks later, emails/mails began arriving stating there was a nonpayment of the mortgage. Several calls/emails to Customer Support were made by me throughout XX/XX/XXXX, XXXX, XXXX, XXXX, the last of which for XXXX was on XX/XX/XXXX, the call lasting XXXX XXXX mins. It was during this call, an incident was submitted by the customer service individual. A call was received by a supervisor on XX/XX/XXXX where all information was provided ( again - multiple submissions on the calls throughout XXXX ). A payment of {$1200.00} was submitted directly to the supervisor and posted from my XXXX account via an ACH Withdrawal. She stated a customer advocate would be assigned to help find the missing {$1200.00}. This individual called on XX/XX/XXXX. During which all information again was supplied - including copies of the XXXX XXXX from XX/XX/XXXX. I have attached a copy of the XXXX account ACH Withdrawal which has already been sent to ServiceMac four times!! No response!!
Consumer complaint received 2022-12-19
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: CITIBANK, N.A. (TX)

I have a Citibank Mastercard account XXXX which was opened XX/XX/XXXX, and currently has a XXXX balance owing. However, XXXX is reporting that I had a late payment in XXXX of XXXX. That is not accurate. I have never been late in paying this card. I disputed the inaccurate reporting directly with XXXX and XXXX and both credit reporting agencies have corrected the inaccuracy. However, despite different disputes with XXXX, XXXX has failed to correct this inaccuracy and continues to erroneously reflect a late payment for the month of XX/XX/XXXX in the payment history. It is clear that XXXX and Citibank have failed to conduct a reasonable investigation of my dispute as required under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, and have subsequently failed to correct the inaccuracy in their reporting of my payment history for this trade line. Being that I have twice attempted to indirectly dispute this through the CRA, without resolution, I now have private right of action to bring litigation against XXXX and Citibank for falsely reporting this inaccurate information ; and I intend to do just that if it not rectified with the assistance of the CFPB.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (NJ)

Well basically what happened is this in XX/XX/XXXX my brother took out am american express card in my name hes XXXX XXXX person.I didnt know about it but then in XX/XX/XXXX I checked my credit report and I saw that I owed american express XXXX XXXX so I called them and said what the XXXX   is this I dont have or ever had an american express card by the way they didnt seem to care but I found out it was my brother the dummy so I told them to transfer the card into his name you see at this time he was making the minimum payments to them so they were making money on the interest so it wasnt in there favor to help me but any few months ago he stopped paying them and they ran and levy my bank account for XXXX I dont think it fair because a few things pop in my head why did they give so much credit it seems predatory and in doing so why didnt ask for identification on so much money on an unsecured debt so now i lost XXXX dollars they ran to my bank with a court order and took the money.Another words they target people in lower income brackets to take advantage of them when they cant pay back and one day everyone in this country is going to pay back in a big way.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX SHARE ) XXXX XXXX XXXX {$620.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY (OK)

I had a XXXX XXXX that was purchased and loan was carried from Wells Fargo. They had a class action lawsuit regarding the charges and repossession. I had received a payment of {$6400.00} but the harm it has caused to me personally and financially over the last XXXX  years is unrepairable. I feel the amount should have been substantially more due to the impact it had on my credit.
Consumer complaint received 2024-04-18
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)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-11-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NC)

On XX/XX/XXXX  I sent a debt validation letter to Midland Credit Management. Requesting Written verification of the amount of the alleged debt, including a detailed account of any interest or fees charged ; The name and contact information of the original creditor ; Proof that your agency is licensed to collect debts in North Carolina ; A complete payment history for the account, including dates and amounts of all transactions ; and Copies of any documents demonstrating that I agreed to the terms and conditions of the original contract, including the signed agreement. I also requested that the company only contact me in writing from that day forward. 
On XX/XX/23 I sent a failure to validate letter. This is an expert from said letter " As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/23. 

Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA, and the FCRA. 

I must remind you that any attempt to collect this debt without validating it violates the FDCPA. I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report law violations to my State Attorney General, the Federal Trade Commission, and XXXX XXXX XXXX XXXX XXXX. '' On XX/XX/23 I received a threatening letter from Midland. The letter stated that if payment was not received by XX/XX/23 they may forward my account to an attorney for litigation. This violates the FDCPA and NC statute XXXX.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (TX)

I noticed unauthorized inquiries on my report and/or noticed that someone applied for something in my name which are : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Have contacted the creditor for deletion.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (FL)

Please consider this as my formal complaint to the MERCEDES-BENZ FINANCIAL SERVICES for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/, I made an online purchase from XXXX XXXX XXXX XXXX It was a transmission that totaled $ XXXX discovered that there were two {$1300.00} taken out of my account totaling $ XXXX notified my local Chase Bank that there XXXX XXXX {$1300.00} taken out of my account that I did not authorize. On XX/XX/2023, Chase refunded me the {$1300.00} that was taken from my account which was not authorized. On XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX  notified me that they could not find the transmission that I ordered from them and gave me back the {$1300.00} refund. On XX/XX/2023, Chase Bank saw that XXXX XXXX XXXX XXXX gave me the refund because they didn't have the part deducted {$1300.00} from my account forgetting that Chase was refunding me for the unauthorized {$1300.00} that was taken out of my account.I called the bank about the matter of Chase was paying for the unauthorized {$1300.00} taken from my account and was told there was nothing they could do about the matter
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CHACON AUTOS, LTD. (TX)

Commencing from XX/XX/2023, I have been in regular communication with Chacon Autos through calls and emails, addressing a grave billing error from their insurance department. Dishonorably, they have been deducting an extra {$100.00} from my account every month for not having insurance despite my consistent submission of the insurance declaration page. Disturbingly, Chacon Autos insurance department has refused to update their records accurately, leading to persistent illegal billing. I have taken drastic measures by reporting Chacon XXXX XXXX, situated in XXXX, MN, to the Texas Consumer Bill of Rights for these illegal charges. Unfortunately, the Texas Department of Insurance 's investigation has confirmed that Chacon Autos XXXX is not authorized to operate in the state of Texas. Despite my repeated requests, the representative has flatly refused to provide me with a direct contact phone number to their insurance department. Hence, my only option is to communicate with their insurance department via email.
Consumer complaint received 2023-11-20
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



CLOSED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} YOU BROKE THE LAW! 
Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report I realized that my report was inaccurate, and t his inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companies initial investigation that you were going to report this information.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (VA)

On XX/XX/2023, attempted to open a new small business checking account at the XXXX, VA branch located on XXXX XXXX XXXX. During the account opening process, I was met by the branch manager and a second customer services representative. After providing my EIN number and identification to open sole proprietorship account, the branch manager became defensive and abruptly left in order for the customer service representative to assist. The branch manager also indicated that I would receive the necessary disclosure and account opening documents on Wednesday, XX/XX/XXXX, which I would be required to sign and return via email. However, despite multiple inquiries, I have not received any correspondence from the branch manager or the representative. I am of belief and suspicion that this stonewalling is a result of XXXX discrimination.
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TN)

I refinanced my home loan with Rocket Mortgage in XXXX XXXX. The monthly payment was set at {$1200.00}. I then received the XXXX XXXX statement in XX/XX/2022 which stated that due to a shortage in my escrow account the mortgage payment would be increasing to {$1500.00} - an increase of $ XXXX. After some investigation I figured out that between Rocket Mortgage and their title company XXXX, the taxes associated with the house were improperly disclosed on the Closing XXXX. My house is located in an area that pays both city XXXX XXXX taxes. They completely missed the city taxes. When I figured this out I called their customer service to help me resolve their mistake. The issue got escalated to a XXXX, XXXX ; she admitted multiple times on the phone that they made a mistake and missed the city taxes and did not disclose them to me. First, she told me that it was my fault for not seeing the issue on the closing disclosure and bringing it up them as if that is my responsibility or that I would even know to do that. I asked for a credit on the escrow account for the amount that was disclosed wrong and she refused. I understand that the city taxes have to be paid and there would have to be an adjustment to my payment moving forward but the fact that they are charging me over and above that to recoup the amount that they missed disclosing in the closing disclosure is wrong. She finally agreed to look into the issue further and told me that she would follow-up with me the following week but assured me that she would immediately sent me an email with her contact information. I did receive an email but it was just her first name and picture. There was no contact information and the email it was sent from was not hers but rather an unmonitored email address. I had no way of contacting her directly to ask for any updates or to follow-up with her. It has now been XXXX weeks and I have not had any updates regarding the issue and XXXX communication from anyone at Rocket Mortgage. I have put an email in to their general " help '' email explaining the issue and my disappointment with how they have handled it. I still have not received any response. I explained both in the call with XXXX and in my email to them that I would be submitting a complaint to the CFPB. They have done nothing to even attempt to ratify the mistake that was made on their end. Instead, they have put that burden onto me by increasing my monthly payment in order to make up for the shortage in escrow that is a result of their mistake.