davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MO)

I opened an account with Citibank around XX/XX/XXXX, funding {$74000.00} from my XXXX account. On XX/XX/XXXX, I decided I wanted to move {$10000.00} back to my XXXX account and initiated this request on Citi.com website. At this point, my account was flagged and locked. The next day ( XX/XX/XXXX ), I was informed that my account would be closed and they would send me a check in the mail within 60 days. 

I would really like them to reinstate the account, or at a minimum allow me to get back my {$74000.00} wired into my original XXXX account. I find their action to close the account without warning or reasonable cause crazy! I find their action to hold my money for 60 days without interest crazy! I had intended this to be a kind of emergency fund and did not realize that withdrawing my own money to another of my bank accounts would be considered a breach of contract! 

I really need some help. I am worried that I won't be able to get my money.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. I need the following to be corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (GA)

I have XXXX fraudulent/unauthorized inquiries on transunion I checked the transunion and noticed XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX my XXXX report XXXX noticed XXXX fraudulent/unauthorized inquiries from XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX On my XXXX credit report I noticed XXXX fraudulent/unauthorized inquiries from XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2023
Consumer complaint received 2024-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2024, I was scammed by someone posing as an artist using XXXX XXXX  and instructed to process a payment to them through Paypal using " Friends and Family '' due to what they claimed were restrictions on their account. After over two months without receiving any product, and with the scammer having completely ghosted me, I turned to Paypal to dispute the issue. Their support portal was lacking and had no proper way to file for disputes of these cases, despite providing direction to do so in receipt emails about the transaction. Despite this, I tried to file a case in the closest applicable category, and provided as much proof of the interaction with the seller that I could, which took place on XXXX ( formerly " XXXX '' ). After waiting weeks for my case to be seen, on XX/XX/2024, I received an email stating my case had been denied and closed, and that no action would be taken.
Consumer complaint received 2024-05-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

I paid TransferWise {$9.00} using my personal credit card ending in XXXX to issue a personal debit card on XX/XX/2024 but TransferWise is unable to locate and recognize my payment. TransferWise is unable to provide me information about my payment even though the payment was sent to TransferWise. This is unacceptable practice and not a way to do business with the consumers.
Consumer complaint received 2024-05-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: EQUITY LOANS LLC (NJ)

I have informed Equity Prime mortgage that I have decided not to close and complete the closing process with Equity Prime mortgage and have been asking/requesting them to close my file, but they are continue to give me the run around refusing to acknowledge my request to close my account. I have been requesting Equlity Prime mortgage to perform a Lender-to-Lender process to remove them from my appraisal report so that my new lender with a different mortgage company can use my appraisal report that I have already paid for.
Consumer complaint received 2023-08-31
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. (TX)

I filed an identity theft with Experian. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Experia has failed to remove and block this item from my consumer report. They removed and blocked one item but not the other item. XX/XX/2023 they responded with a letter saying that my request is declined becaus they have determined that my request was made in error ; is a misrepresentation of material fact relevant to the requst to block and /or I have obtained possession of goods, services or money as aresult of the transaction issue. This is a violation of my consumer rights. I am demanding the immediate removal and blocking of this item from my report.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

We have taken home insurance from XXXX XXXX and there was damage to the roof due to hail we have raised a request for a XXXX  XXXX, and XXXX XXXX has issued the claim amount in multiple checks to the mortgage provider Select Portfolio Services, The contractor has completed 90 % of the work, and the mortgage provider is waiting for his payment. I raised a complaint on XXXX about the same on XX/XX/year> ( XXXX ) and the provider Select Portfolio Services has arranged for a home inspection for the work done and released the initial payment, now the final inspection from the mortgage provider Select Portfolio Services is completed and they are not releasing the final amount. I tried to reach them multiple times but no response the contracting company has spent over {$400000.00} for the repairs and waiting to get the money. and now the contracting company wants to take legal action and sent us a lien notice, we request you help me in getting the amount from our mortgage provider Select Portfolio Services. 

Your help will be appreciated on this.
Consumer complaint received 2024-01-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (MD)

Dear Representatives of XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX, To clarify your fiduciary capacity, I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to your possession of the account attached to XXXX XXXX with last 6 of VIN XXXX last 4 of social XXXX. 

In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : 1. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 

2. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 

3. Copies of any contracts, agreements, or instruments related to the chose in action. 

4. Pertinent correspondence, communications, or notices related to the chose in action. 

5. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 

Chose in action means property or the proprietary right over property Property means the equitable interest, use of a thing We appreciate your prompt attention to this request and ask that you provide the requested documentation within 10 days. 

Thank you for your cooperation and timely attention to this matter. 

Kind Regards,
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (IL)

I would like to address an issue concerning an account you are inaccurately reporting on my credit report. I have been a loyal customer of BMO HARRIS for over 2 years now and I have consistently valued the excellent service and benefits provided by the company. However, I was disheartened to discover an error on my credit report.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I am unable to see my report and scores. I have called in and verified my identity through a link that was sent by the customer service agent that I was on the phone with and still nothing. I haven't been able to see my credit report in over a month and a half. They are delaying my disputes and costing me time and money. By stating that it's not me who is righting the letters, that someone is writing and sending them in with out my knowledge.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have noticed a series of fraudulent transactions on my credit report, including purchases and withdrawals that I did not make or authorize. 

I am extremely concerned about these discrepancies, as they have already had a significant adverse impact on my creditworthiness. It is crucial that these inaccuracies are promptly addressed to mitigate any further damage to my financial standing. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation (GA)

XX/XX/2023 XXXX  {$370.00} Last year I was the process of getting some XXXX work done through XXXX XXXX. After they did all the checking and going through my XXXX insurance, I was left with an amount to be paid. So they went through Fortiva and they approved me. I was to pay XXXX a month. So before I could have XXXX XXXX to do the work, I had to go through their Oral surgeon, but come to find out that their surgeon was not under my insurance network and I would have to pay XXXX for each teeth that had to be pulled and I had XXXX teeth that had needed to come out. I couldn't afford to pay them so I cancelled my service. I didn't use any of the money that Fortiva approved me for. I had been in contact with them and XXXX about the money being returned. Finally in XXXX or XXXX, XXXX XXXX returned the money. XXXX is charging me for late fees of XXXX in which I had no control over. I've talked to them at least 7 times and I didn't get any resolution. I'm not understanding why I owe them if the amount that was borrowed was returned
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (MI)

Called me, my daughter and my husband trying to reach me. Called me twice in15 minutes. Called them back. Was asking questions when this supposed lawyer said dont talk over me. Told me I was on a recorded line to which I said I didnt care. He said see you in court and hung up on me. Tried calling today. Told me my file was sealed and wouldnt give ma any information on this supposed debt. Said since I was disrespectful that he wasnt going to tell me. Again said well see you in court
Consumer complaint received 2023-08-31
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (MD)

I am disputing incorrect late payments on my credit card XXXX XXXX XXXX XXXX with XXXX XXXX. Despite making timely payments my credit report shows late payments to date. I have previously contacted the creditor and provided proof of payment, but these issues remained unresolved. I request that the CFPB assist in removing the incorrect late payments and correcting my credit report to reflect my accurate payment history
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/XXXX, I agreed for Chase Bank ( Freedom Card ) to initiate a {$3500.00} payment to my XXXX XXXX XXXX XXXX XXXX XXXX ), to bring that balance down to {$450.00}. ( Now {$0.00} ) Chase honored the agreement for a {$170.00} fee and sent XXXX {$3500.00} to be charged to my Chase Card with XXXX 0 % interest. Thus, my Chase Card had a new Balance of {$3600.00}. XXXX reported the New Chase Card Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except XXXX neglected to report the XXXX XXXX XXXX XXXX half of the transaction, which left hidden the {$3500.00} lower balance in the XXXX XXXX and didn't report a 20.1 % LOWER XXXX Credit Usage percentage . This caused a XXXX Point XXXX Credit Score ; a XXXX Point Chase Score and somehow, a minus XXXX Point XXXX XXXX XXXX XXXX XXXX The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a XXXX promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the Chase offer to reduce my {$3900.00} balance to ~ {$0.00}. Then XXXX chose to REDUCE my Credit Score XXXX points. Wait. What?
Consumer complaint received 2023-04-18
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. (NY)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IA)

I have had three of my accounts closed by synchrony bank over the last few years. No matter if you have money charged on them or not. Doesnt matter if youre making all your payments. It hurts your credit score when they do this. It seems to be the practice that this bank loves to do. I feel they are hurting consumers. I dont feel that any closures from this bank should be on anybodys credit report- because they are abusing it and hurting consumers with this practice!
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D&A Services, LLC (NY)

On Tuesday, XX/XX/2024 at XXXXXXXX XXXX, I received a random phone call from a company D & A Services with the telephone number of ( XXXX ) XXXX with the location of XXXX, Illinois. I have never heard of or from this company before in my life and I have never received any mail correspondence from this company informing me of any debt that I may allegedly owe. I answered my phone and there was a woman on the other end. She asked to speak to me and I asked her who she was and where and what she was calling about. She would not disclose unless I verified that I was XXXX XXXX. I told her I am the individual that she is attempting to get in contact with. She then stated that this was a call to collect a debt and she wanted me to verify some information such as my date of birth and social. I informed her that I am not verifying any information over the phone until she tells me what she is calling in reference to or what alleged debt that I owe. I also informed her that I never received any mail correspondence from this alleged company as well. She checked her system and verified that no mail has been sent to me from them informing me of this alleged debt. I then again informed her that I am not verifying any information via phone until she provide me information of this alleged debt because this call can very well be a scam call. She then became very upset and hostile with me yelling " ma'am this is not a scam call and don't worry you will soon see. '' then she hung up the phone.