davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (TX)

I requested early termination of a CD with Citibank so that I could use funds to cover a down payment on a home. Citi told me that to wire funds to the down payment bank, I would need to close the Citi CD, pay the ( over {$500.00} ) penalty, and roll the funds into a new citi savings account before I could wire from the new Citi savings acct to my down payment bank. They told me it would be no problem to wire the funds from the new savings account to the down payment bank. So, I paid the penalty and the funds rolled in to citi savings. Over the next week I have experienced multiple roadblocks to wiring my money out of the account. XXXX  they said I needed a debit card associated with the account and I had to wait for them to mail a card. Next, I couldnt wire the funds because I didnt have a PIN and had to spend hours on the phone with them setting up a pin. Next I couldnt wire the funds because they had placed a security hold on the account and the security department is gone for the day, call back tomorrow. I have yet to get access to my funds and have had to take other costly steps to fund my down payment. If I had known that citi would be so incompetent and/or purposefully slow in giving me access to my own money I would not have redeemed the CD and paid the huge penalty. This seems like a bait and switch, where citi collects their penalty and then holds on to my money as long as possible. Please help me access my own money and get a refund of the CD cancellation penalty.
Consumer complaint received 2023-12-29
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: GOLDMAN SACHS BANK USA (CT)

I bought tickets to a XXXX XXXX event in 2022 at XXXX XXXX which was all paid ticket and we were not suppose to be charged anything new on top we went in and made a purchase for a certain amount which we paid then and there and when I came back home I was surprised to see I was over charged for a very huge amount I did not even sign to purchase for. I have tried to work with Apple so many times but they have always sided with Merchant without any proof of purchase and never shared any evidence on why they sided with Merchant
Consumer complaint received 2023-04-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I get repeated phone calls and text messages telling me I have a judgment and they need to deliver papers or they call non stop ... it's to the point where I have to keep my phone on do not disturb. The caller is rude and says alot of mean things.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I received a 41 days past due notification on my Credit Report for an account that was paid before the 30 days late. My payments are due on the XXXX of each month. I make sure my payments are paid. My payment for XXXX was processed on XX/XX/XXXX but the payment processed with my bank before my direct deposit hit my account, so my bank returned the payment and I understand XXXX charges a {$15.00} ach return fee, XXXX retried the payment XX/XX/XXXX and the payment was made for {$94.00} ( monthly payment ) and {$15.00} ( ach return fee ) and both payments were successful. I had no knowledge of the {$15.00} Late Fee that was charged XX/XX/XXXX until XX/XX/XXXX when I got the notification and spoke with a customer service rep that verified I was 41 days late. Even though my account was current this company forwarded my account to a third-party collection agency for a {$15.00} late fee and reported to the credit bureaus that I was 41 days late even though my account was paid XX/XX/XXXX and current. When I called to resolve the issue, I paid the {$15.00} XX/XX/XXXX and I was told that I couldn't get the 41 days late payment removed from my credit report which I don't understand because my monthly payment was made before the 30 days late.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I believe I am a victim of a long-term process of loan flipping by multiple mortgage lenders, including Community Loan Servicing XXXX XXXX XXXX, and maybe XXXX XXXX XXXX 

Over the past ten years, we have had trouble keeping up with our mortgage payments, and on several occasions ( including a post covid refinance ), we have neared default and foreclosure. Each time, the lender offered a modification method that featured a loan refinance. These refinances would always include a new loan with higher rates and longer terms. 

We accepted multiple modifications over the years, thinking it was our only option. Today, this leaves us with a higher outstanding principle than when we started and higher ( mostly all interest ) payments. 

We now find no progress on our principle after over ten years of making payments and a new refinance ( 40-year mortgage ) with XXXX XXXXr, where the payment is mostly interest. 

Please help.
Consumer complaint received 2023-06-23
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: HW Holding, Inc (NY)

As of XX/XX/2021, I noticed a collections account pop up on my credit report that I am not aware of. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX / XXXX XXXX
Consumer complaint received 2023-12-28
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IN)

Since XX/XX/XXXXXXXX  I have paid extra every month to be applied to escrow. To find out that all the extra money went to principal balance, which is not I requested nor stated in each memo when paying via bank transfer. I would like {$700.00} to be reversed from principle to due your company 's error, applied with the {$500.00} I sent in in XX/XX/XXXXXXXX  to be applied to XX/XX/XXXXXXXX  mortgage payment with the remaining balance of {$160.00} to escrow. I was toldby New rez in XX/XX/XXXXXXXX  that all extra would go into my escrow account, if I noted it. 
XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX  and XXXX XXXX  I paid extra in the amount of {$39.00} each month. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I paid {$79.00} extra. XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX I paid {$61.00} extra and the {$500.00} paid on XX/XX/XXXX should be in suspense waiting for the remaing {$530.00} to be sent in. 
Again please reverse {$700.00} that errously went to principal and apply my suspense of {$500.00}. Then I called XX/XX/XXXXXXXX  to make the remaining payment of XXXX to XX/XX/XXXXXXXX  along with the {$500.00}. To find out today they took out the {$500.00} but then applied the XXXX to principal balance
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

In re : XXXX XXXX EQ reports showing adverse activity with XXXX XXXX, a private student loan lender. 

XXXX accounts : XXXX. Last Full Payment : XX/XX/XXXX for {$190.00} XXXX. Last Full Payment : XX/XX/XXXX for {$130.00} These accounts should be due to fall off in XXXX XXXX. Yet, XXXX XXXX has augmented the payment history to re-age the accounts.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-06-23
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: AMERICAN EXPRESS COMPANY (FL)

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Please remove the following statement from my credit report. PERSONAL STATEMENTS XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

ON XX/XX/2023 There were 12 unauthorized Hard inquires reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove in accordance with 15 USC 1681.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I recently applied for a credit card through CHASE. When I applied I was immediately denied. After receiving the Adverse Action letter with explanation, it became apparent what was happening. In accord with the Truth In Lending Act produced by Congress, the definition of " Credit '' is the " right '' granted by a creditor to a debtor to defer payment or to incur debt and defer it's payments. Since the banks recognize the Uniform Commercial Code and abide by the rules of said code, I am cognizant of the fact that I am at the age of majority and legally competent to understand UCC 3-306. UCC 3-306 states that a person taking an instrument ( my application ), other than a person having rights of a holder in due course ( CHASE ), is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds. A person having rights of a holder in due course takes free of the claim to the instrument. This situation is unique because commerce is run and regulated by Acts of Congress. One of these Acts being the Federal Reserve Act which specially in Section 16 that my application for credit to any Federal Reserve Agent is considered to be a collateral security. This security can be sold for CHASE the bank to profit off from. I hope the problem here is obvious at this point. When I was denied the extension of credit, by CHASE, I gave CHASE a financial asset that could be sold, but I received nothing of value. I granted CHASE my private credit. This is completely inequitable. Because the SEC and FTC oversees Securities, my next steps would be to do formal complaints, FOIA requests and next to bring legal action. I take this very serious and appreciate the opportunity to make my voice heard through the power of the CFPB.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/23 Citibank paid out a check for {$1500.00}. from my checking account that was made out to XXXX XXXX and they gave the money to another party. 
This check was sent in the mail and written out to XXXX XXXX. XXXX XXXX did not receive the payment. 
I requested a copy of the cleared check and I showed the endorsement to XXXX XXXX. It was not endorsed by XXXX XXXX and I've have asked Citibank WHO THEY PAID THIS money too?? They did not answer this question. Citibank has all the information. They alone know who they gave the money to, not me, based on the check endorsement. 
I've signed an affidavit and XXXX XXXX sent a letter on their letterhead. They have now asked me to a third round of notarized affidavits to be sent back to them. I think they are just trying to wear me down, so I'll drop the matter. 
They paid a check that was clearly written out to someone else. I spoken to people at the bank, on the fraud line and sent back two rounds of notarized letters. 
Please help? 
I have a case number and copies of all letters.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 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
Consumer complaint received 2024-04-13
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (PA)

The years between XXXX and XXXX, my old co workers from XXXX XXXX named XXXX and XXXX. I don't know their last names. We used to work together at XXXX XXXX XXXX under our boss XXXX XXXX. I believe that XXXX opened my Chase bank account auto loan in my name and was trying to get a fruadulent auto loans in my name. She has a gas station credit card in my name. Both of them XXXX and XXXX keep complaining and wants me to buy too many cars. Also, they were trying to get a fruadulent home mortgage loans and home title in my name. They always being contacted by my employers and all of applications where I applied to and always accessing in my accounts ( XXXX page, email addresses, and cell phone accounts ) They have my identity and fake driver 's license in my name. They are trying to steal my money in savings accounts.
Consumer complaint received 2024-01-29
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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have noticed a significant discrepancy between my credit scores from TransUnion compared to XXXX and XXXX. Despite positive changes being reflected on all three credit reports, such as the removal of a hard credit inquiry and a dropped-off balance, TransUnion has failed to update my credit score accordingly. For instance, as of XX/XX/2024, a hard credit inquiry was removed from my TransUnion report, and a balance owed to XXXX XXXX amounting to $ XXXX, was no longer my responsibility as of XX/XX/2024. However, while XXXX and XXXX have appropriately updated my scores, TransUnion has not reflected these changes.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

Somebody opened a checking account with Chime.com using my name, email and SSN. Despite me having credit freeze with all three credit bureaus Chime.com opened the account and sent a credit card to that person. I received emails from Chime.com that they are sending this CC to some address, unknown to me. Upon learning this, I asked Chime.com to close my account immediately, which they did. It is outrageous that Chime.com were able to open this fraudulent account despite me having credit freeze with the credit bureaus. What's the point of credit bureaus if they can't prevent such a simple fraud?
Consumer complaint received 2023-12-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit, Inc (VA)

I leased a vehicle XXXX  years ago from Volkswagen Credit Company. In XXXX of 2023 the vehicle that I leased, was purchased by a different Autodealer. The loan was paid in full by the dealer to the leinholder, Volkswagen Credit. 

I was sent a letter from Volkswagen credit that the full debt was paid off. My complaint is that Volkswagen Credit is now sending me a bill in the mail, Nine months later, claiming that I now owe them {$300.00}.. 

They have already been paid in full and with interest. I do not owe them a debt, and I want the matter cleared up.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XX/XX/XXXX XXXX5 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.