davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CT)

I had a checking overdraft account with Citibank. Payments were being withdrawn from the linked checking account, automatically. Citibank suddenly stopped the automatic payments and did not send any notice that the payments had been stopped. I only received notification that the payments were not made after the account was XXXX past due. 

I attempted to resolve the issue with Citibank and even paid the account in full, but they provided no justification and said that the delinquency will remain on my credit report. When I tried to resolve the issue over the phone, I was forwarded XXXX times to different departments and finally disconnected during a transfer. I tried again and was transferred XXXX times with the final agent indicating that she did not know which department to send me to, but was unable to help me. After more than XXXX hours on the phone trying to chase down the issue, the issue is still unresolved and Citibank is not providing a contact or instructions to dispute the resolution.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I have some concerns about my account with Nissan Incorporated Auto Finance. I bought a new vehicle! XXXX Nissan Altima in XXXX XXXXI was making regular payments until I had a medical situation that came about. I called Nissan to see what options i had. I gave them my personal information regarding my health. I was given an extension with documentation sign and sent back. I have concerns about the extensions Nissan states I have and I do not see all the information in my Nissan account that Nissan states I have with late fees and the amount of all the extensions. I recently had my car repossed in XXXX/XXXX which the auto loan maturity date was supposed to be completed. I had to pay {$4000.00} just to get the car back. The repossion department told me that amount is all the late fees, all pass due amounts and interest. I have not received any statements regarding the repossion of my car or payoff I have requested through Nissan. My account does not have any information of recent payment accept XXXX and XX/XX/XXXX. I have a maturity date on XX/XX/XXXX which the amount is {$6900.00} to be paid in full or the car will be repoed again. Nissan costumer service has not been fair to me. Nissan Corporation costumer service did not connect me to the department that could help me solve this confusion.
Consumer complaint received 2024-01-30
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: LoanCare, LLC (TN)

Attached are two responses from LoanCare , LLC which regards the previous complaint filed XX/XX/2024.

The first response datedXX/XX/2024 states that the company received a " notice of error regarding the loan referenced. '' I did not send a " notice of error '' nor did I ever refer to the matter as an " error. '' I, respectfully, made issue with regard to a " breach '' in the company 's system and the " timing '' of the breach. 

The second response dated XX/XX/2024states that I " questioned the validity of the loan transfer. '' My wife and I are well aware that mortgage companies can and do sell or transfer loans. My letter addressed the " timing '' of the security breach with respect to the loan transfer. 

During the brief two week period for the " announced '' transfer, I had contacted LoanCare , LLC customer service with respect to a " physical address '' for XXXX, XXXX for mailing Certified Mail to the company. Customer Service could not or would not give out that information. I found an address via my own investigation. 

The following day after the phone call to LoanCare , LLC customer service I received multiple phone calls with voice messages to contact LoanCare. These calls came in while I was out of town. I had already mailed our mortgage payment for XX/XX/XXXX. When XXXX, XXXX received our payment the calls from LoanCare , LLC stopped. 

My wife and I made the " transition '' of our loan being transferred from Loancare , LLC to XXXX, XXXX without a problem. There was no chaos with respect to making " timely '' payment ( s ). 

Again, I do question the " timing '' of the security breach which raises questions about other borrowers maybe enrolling in " identity theft '' protection via LoanCare , LLC letters sent out to other borrowers.
Consumer complaint received 2017-02-20
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NJ)

I used Venmo ( owned by Paypal ) to transfer money to my spouse. The transfer was halted and Venmo kept my money but did not explain why. I received no information regarding my fund transfer until a month later, when I initiated correspondence. I was asked to submit some additional documentation because the transaction was flagged for a potential XXXX violation merely because I used the word " XXXX ''. I submitted " evidence '' about my use of the word XXXX and rather than review the documentation and determine what action thy would take, Venmo continues to keep my funds and have not provided any information-2 months later. Mind you, under law, they are supposed to keep the money in an interest bearing account and report the transaction, but I do n't think they know what they 're doing. It 's been one confused response after another. 

I expect my funds to be either transferred or returned, with interest.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MD)

Elan Financial Services reported that I missed 1 payment on my account. But I remember paying them so I asked for written proof and it wasn't given so i'm disputing this missed payment and need it removed immediately from my credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Duvera Billing Services, LLC (NC)

I have notified duvera billing services llc XXXX, XXXX XXXX XXXX that they are reporting illegal information " identity theft " on my credit report I have sent all necessary notarized documents to this company as directed by the ftc and made them aware that it is illegal to report information that is not mine I never opened an account with them and demand that they remove this item as it is causing me severe financial damage due to their wilful noncompliance of the frca and ftc laws To the attention of XXXX XXXX and XXXX XXXX To whom it may concern I have been a victim of identity theft this account reported on my credit report as duvera billing services llc is not mine I have never given your company consent to open an account nor to pull or report any information on my credit report this information is fraudulent and inaccurate because I have never had an account with this company pursuant to FCRA 15 code 1681s ( 1 ) ( 2 ) " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. '' If this information is not removed with 10 days I will take this as civil liability for willful noncompliance pursuant to 15 us code 1681n and request monetary compensation I have attached my identity theft report notarized and I am also requesting no further contact from anyone in regards to this matter thank you
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (CT)

XX/XX/24 Received some sort of communication regarding a debt that just shows a reference number, partial account number, an amount of XXXX. No information pertaining to what this debt is regarding and no information on the original creditor.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (DC)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SYNCHRONY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear SYNCHRONY, Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime. 

I am also a XXXX resident. In XXXX XXXX XXXX  residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services (AL)

I WENT TO AQUIRE FUNDS AT LENDMARK FINANCIAL SERVICES, LLC ON THE DATE OF XX/XX/XXXX AND XX/XX/scrub>XX/XX/XXXX. ON XX/XX/XXXX I WENT TO AQUIRE A VEHICLE AND ON THE DATE OF XX/XX/scrub>XX/XX/XXXX I WENT TO AQUIRE FUNDS. BOTH TRANSACTIONS INVOLVED MY SOCIAL SECURITY NUMBER. I HAVE BOTH PROMISSORY NOTES AND IM CONFUSED ABOUT THE AGREEMENT BETWEEN ME AND LENDMARK FINANCIAL SERVICES LLC. MY PAYBACK ON BOTH ASSETS IS DOUBLE THE FUNDS I NEEDED. IS THAT ILLEGAL IN ALABAMA OR THE UNITED STATES LAW? 

USC CODE 9-102 ( A ) 65 ALABAMA CODE TITLE 8.COMMERCIAL LAW AND CONSUMER PROTECTION 8-8-12 ( A ) ( B ) ( a ) Except as otherwise permitted by law, all contracts for the payment of interest upon the loan or forbearance of goods, money, things in action, or upon any contract whatever at a higher rate than is prescribed in this chapter are usurious and can not be enforced except as to the principal. 
( b ) The borrower of money at a usurious rate of interest shall not in any case be required to pay more than the principal sum borrowed, and if any interest has been paid, the same must be deducted from the principal and judgment entered for the balance only ; provided, however, that the defense of usury may not be pleaded against a holder in due course of any negotiable instrument. 

PUBLIC POLICY HJR - 192 IM LOOKING TO GET THIS RESOLVED IMMEDIATELY PLEASE. I WILL INFORM THEM BY MAIL AS I DID VERBALLY. PLEASE FOLLOW UP WITH ME AS SOON AS POSSIBLE. PLEASE FOLLOW UP WITH LENDER AS WELL TO LET THEM KNOW YOU ARE INVESTIGATING THESE ACTIONS.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NY)

Im called company self lender, in covid 19 time when credit reporting was off they report about my late payments after Tht I been begging them to delete my report.close acunt also showing n late payment .paid off account also showing in credit report.after XXXX XXXX XXXXXXXX put flag in my XXXX account I dont have no knowledge off Tht .i also called them they denied to remove Tht.plz help me Im trying to buy house bcoz if this now bank not giving me loan bcoz my score is down .plz help me, I called 3 credit barrow and those company
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

Equifax, XXXX and XXXX credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, XXXX and Equifax do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my XXXX and Equifax reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

Amex fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on American Express 's behalf.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Last XX/XX/08 my brother send me {$20.00}, via XXXX from his Bank of American cheeking account but I never received. 
Since then weve been complain with XXXX and Bank of American but no one wants to take the responsibility. Now, where is my money? 
XXXX is a company that was credited by 6 bank 's, including Bank of America. So, they own XXXX but when we go to the Bank they tell us to call XXXX and vice verse.Now what do I do? Please help me get my money back. Is not a lot but is my. 
Kindly - XXXX
Consumer complaint received 2024-01-29
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: CITIBANK, N.A. (WA)

inquires on my credit report that i knew nothing about 1. thd/cbna XXXX XXXX XXXX XXXX XXXX  sd XXXX # XXXX XXXX XXXX says its on file till XXXX of XXXX could not reach anyone at this number inquired XX/XX/XXXX 2.citibank na best buy XXXX XXXX XXXX XXXX XXXX  sd XXXX phone XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XX/XX/XXXX 3.citi cards cbna XXXX XXXX XXXX XXXX XXXX  sd XXXX phone XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST PORTFOLIO SERVICING INC (GA)

On this day Monday the XXXX of XXXX at approximately XXXX in the XXXX, the company ( Revvi ) offered me a settlement offer not disclosing that it will close my account if I accepted the offer. The minimum amount that was due was less than the settlement and informed me it will be wise to take the settlement offer due to my financial hardship even though it would have impacted my credit negatively with a derogatory on my credit report instead of suggesting I should pay the minimum due to keep my report in good standings. I was only 70 days late and they informed me that my account will only be closed if I was 180 days late. This was predatory and misleading information and was not a fair practice at all!
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (CA)

I received a credit card in the mail and a bill from ULTA BEAUTY A store in XXXX CA. 
XXXX # XXXXXXXX XXXX XXXX {$420.00} ULTA # XXXX XXXXXXXX XXXX {$70.00} ULTA BEAUTY REWARDS
Consumer complaint received 2024-01-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

On XX/XX/year> I purchased a {$100.00} VanillaGift card from XXXX. Upon opening the card I discovered that the card was tampered with and the third block of numbers was scratched off so I could not use the card nor check the balance. I immediately notified XXXX who told me to call the number on the gift card. 

I did and explained the situation and received a case number XXXX and they told me to send my personal information along with a copy of my driver 's license, some pictures of the gift card, and the XXXX receipt. This was all sent on XX/XX/XXXX. I was told this usually takes XXXX days but could take up to XXXX to resolve. I kept checking the status at vanillagift.com They would not tell me any status of the funds on the card. After XXXX days I called back and they told me it was still processing and to wait. I called once per week and got the same story until XX/XX/XXXX when I called and they told me they are waiting for my documents and to send them again. Which I did. Now we are at the XXXX and they emailed me and told me to send the documents. Each time I have sent them I get an email response that my documents were received. 

Your next step wants the full card number which I do not have. The serial number of the card is XXXX From their website : Vanilla Visa Gift Cards are issued by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. or XXXX XXXX, pursuant to a license from XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, Members FDIC
Consumer complaint received 2017-02-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (CT)

In XX/XX/XXXX I contacted Everbank, the servicer of my mortgage, requesting a modification of its terms in an effort to avoid default. My monthly mortgage payments had recently escalated 24 % when the loan converted from interest-only to a conventional ARM -- an increase that was unanticipated ( as interest rates had actually fallen substantially since the mortgage was originated ) and unsustainable given my financial position. Frustrating conversations with Everbank, the loan 's servicer, eventually yielded a response : my mortgage had been packaged and sold and could not be modified. I subsequently attempted to contact the loan 's " master servicer, '' XXXX Bank, via their Securities Administrative Services Department, in an effort to identify a staff member with whom I could discuss my circumstances. This task proved impossible. I then made a fruitless effort to reach the " trustee '' for the loan, XXXX, which, in turn, represents the actual owner of the note : XXXX. Asset Backed Pass-Through. 

As to my personal circumstances : in XX/XX/XXXX, the recession having taken its toll, I closed my business and am now in the early stages of a new venture. My resources are finite but, with the cooperation of Everbank, XXXX, et al I could make reduced payments, avoid a personal credit crisis, and render foreclosure unnecessary. I have listed the mortgaged property for sale in order to fund a loan pay off -- but the market remains soft in my area and at my price point. 

It is my full intention to satisfy my mortgage obligation. I simply need to reduce the monthly payments until the property is sold or my new business begins to generate revenue. My difficulty is that I can not locate anyone at XXXX, or any of the other entities involved, to initiate a negotiation for the modification of this mortgage. My complaint is that the financial services companies involved with my mortgage are inaccessible and unresponsive.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I called XXXX XXXX a week ago, XX/XX/XXXX, and somehow got through to speak to a live person, which today I have not been able to do. I sold a home in XXXX, and they are showing the mortgage as Open with a zero balance. I am trying to rent a Section 8 senior apartment, and HUD is accusing me of misrepresenting my assets and potential liabilities, which is holding up the entire application. This is the letter I sent to them this morning through their contact page. Please help.
Consumer complaint received 2022-02-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WV)

I have requested my cd be closed and funds deposited into my checking account prior to and on the day of maturity. USAA reps have repeatedly stated that they are unable to close. Requested escalation and management call back, have received no follow up. Reps continue to say they do not know why account is unable to be closed/cashed out. Was told a work order submitted and should take 24-48 hours. After calling again requesting update, was told could take 10 days. Follow up calls to USAA, I am put on long holds Process and whether or not I will get my funds are unclear. USAA keeping CD open without my permission and against my multiple requests. I would like my funds.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NC)

On XX/XX/XXXX, Discover Credit Card, acting on my previous information, accessed my personal credit report. I have never requested a credit card from Discover, nor have I ever given them permission to pull my credit. My credit file 's fraud alerts alerted me. I contacted their fraud department and put an immediate stop to sending any credit cards. However, I asked for a copy of the credit application that was used to apply for a credit card, which contained my information. It is extremely alarming that they are refusing my reasonable request. I need this information to file a police report. They are more interested in protecting criminals and Discover Card 's own interests in an attempt to conceal their criminality.