davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

On XX/XX/XXXX I disputed a transaction because I did not receive a full refund for a defective product that I returned to the merchant.

Citibank began investigating and determined that because I had already received a 50 % credit that the dispute was invalid, despite the fact that I had returned a defective product and was told that I would receive a full refund for the product.

This goes on and on all the way until XX/XX/XXXX where I have been told that the dispute can not continue because of a limited time frame, despite the fact I disputed the transaction in good faith in on XX/XX/XXXX and the item was purchased on XX/XX/XXXX.

My funds have been held hostage, I have neither the item nor a full refund. I have been scammed!
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AK)

I have been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last Updated : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXXXXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX  being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXX AND XXXX  REMOVED.
Consumer complaint received 2021-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

To whom it may concern, I obtain a copy of my credit report and notice there as collection accounts that I have no knowledge of : Afini Inc, and XXXX XXXX XXXX. I did not have or requested any credit from these companies. I reach out to them and still they failed to send me verification of any documents bearing my signature.
Consumer complaint received 2023-08-08
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. (TX)

The 3 fraudulent conns accounts were opened between XXXX and XX/XX/2023 ( XXXX not sure the exact date as i didnt open them, im giving information based off my credit report ). Balances for each accounts are {$2600.00}, {$2500.00}, and {$1600.00}. They were opened using my information, including social security number, address and possibly my personal cell number. I filed a police report, and currently in process of changing my social security number, phone number, etc. I need those accounts removed from being associated with my name on every aspect, whether its my credit report or something else, as they were opened fraudulently.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021, I checked one of my savings accounts to realize that there was an electronic transfer made to XXXX XXXX on XX/XX/2021. I filed a complaint to my bank ( Wells Fargo ) that same day stating to them very clearly that I did not authorize that transfer. They gave me a case number : XXXX. In that timeframe between me making a claim and them investigating, I received a letter from XXXX XXXX that the account that they had of 'me ' was closed. They let me know that the investigation would take at least 10 days. On XX/XX/2021 I called Wells Fargo to get an update and they stated that they were still under investigation. The next day, I received a letter from Wells Fargo indicating that the claim and the entire case were denied. They decided that I authorized that transaction myself. On XX/XX/2021 I visited a Wells Fargo branch in XXXX XXXX FL to what they told me was that they could not do anything and redirect me to XXXX XXXX to " hopefully receive my funds that were rightfully mine ''. I then showed up at XXXX XXXX that same day with my proper identification with the letter of 'my account closing ' and talked to a customer service associate. He told me since my account with them closed that my funds were transferred back to my account with Wells Fargo. I showed him the evidence that I had not received any transfer by showing my bank statements on my phone. He then concluded that he would contact the I.T Fraud Team to resolve and return my funds. As of today, I still don't have my funds returned. I have contacted Wells Fargo for the third time now to raise my claim as well as ask them for the IP Address and the device I supposedly transferred the funds on. They replied that they would contact me back in 48 hours which has not happened yet.
Consumer complaint received 2021-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

TransUnionXX/XX/XXXX
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I was contacted by Citibank. Evidently our account was 30 days past due. Why they didn't reach out to us before it ws 30 days past due, I am not sure since we have never missed a payment. However, in speaking with them, it turns out we were switched to their estatement system. We never signed up, despite their claim that we did in XX/XX/2023, for estatement. We don't use ANY estatements to pay ANY bills because of the chance of them ending up in junk emails. 

It turns out our last two statements were send via email and that they were never seen because they ended up in junk email. I don't check junk emails as, they are junk. They are automatically deleted and there was no reason to check them. 

Again, we never signed up for estatements KNOWINGLY. My guess is that on the website, it is an opt out if you make an online statement. Either way, it was on Citibank to contact us via another method if we missed a payment and they failed to do so until it was already 30 days past due. I take our credit history seriously and this has damaged our credit history. 

I spoken with Citibank and they indicated that due to the situation they would and could review it and reverse it. However, in my experience this doesn't happen. I am writing because when I filed the request, Citibank wasn't even aware that this was an option ( despite the fact that their own employees told me about it ). 

It has now hit our credit rating and damaged our credit. We have an excellent payment history with Citibank so i believe they should reverse this ASAP. I have notified them by phone, put in the request and put it in writing as well but, in my experience, credit card companies rarely do the right thing and, based on my conversation today, I doubt they will here as well. 

I want 1 ) Citibank to remove the report to XXXX ( and the only way I found out is I monitor my credit reports ) 2 ) Do so immediately 3 ) For long term customers they should reach out by phone before the 30 day window occurs because it damages their customers.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MN)

I fixed the Situation with CHIME XXXX it was a 3rd party vendor and they still went behind my back and closed my card WITHOUT MY PERMISSION! 

EXAMPLE SIMILAR TO XXXX VS CHIME XXXX XXXX!! 

Start a suit in XXXX on my behalf!!
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (FL)

On XXXX, XXXX 2020 I made a XXXX  transfer over $ XXXX with XXXX XXXX to XXXX XXXX in order to buy a little piece of land. When the money arrived the bank in XXXX XXXX ( XXXX XXXX DE XXXX XXXX XXXX ) refused to forward the money to the account holder and requested documents to prove the origin of the funds. During a period of 30 days, the bank asked for several documents which we all instantly provided. I went several times in person to the bank, together with the account holder. I called the bank almost every day to make sure they received the documents and also asked for the status. The $ XXXX are my savings over the last years from my work as a freelancer and with the land purchase, I wanted to make a dream come true. This dream turned into a nightmare, however. In XXXX, XXXX 2020 the transaction was rejected for the reason that I couldn't prove where the funds come from. I consulted XXXX and they offered me to do a recall which they initiated on XXXX, XXXX 2020. Until today, there is no update on the recall nor did my money come back to my account. I'm on the phone with Transferwise on a regular basis but they say there is nothing I or they can do but wait and that the problem is the intermediate bank. The intermediary institution is CITIBANK XXXX, XXXX XXXX XXXX NEW YORK.
Consumer complaint received 2023-08-08
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. (WA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2021-03-12
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. (MD)

Hi, i have numerous inquiries account that are unauthorized and need to be removed from my credit report from the major credit bureaus immediately. I tried to consult this with the original creditors with customer service, but nothing change. I tried to dispute inquires with all three major credit bureaus ( Experian, XXXX and XXXX ) nothing has changed. I am now taking extra measures with FTC and CFPB. 

I recently check my credit report and all unauthorized inquires are still there. Please remove the following inquires : Experian : ( XXXX XXXX OF : Inquired on XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX : Inquired on XXXX XXXX, XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX : Inquired on XX/XX/XXXX ). 



XXXX XXXX ( XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX  : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XXXX  XXXX, XXXX ). 


XXXX  : ( XXXX : Inquired on XX/XX/XXXX. 
XXXX XXXX : Inquired on XX/XX/XXXX ).
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

Quicken Loans refused to provide a Good Faith estimate on a refi mortgage that they already held the mortgage. I asked for it for over three months XXXX. When the notary showed up to close our refi, I told her I wanted to see the numbers. When I received The HUD-1, I was shocked to see well over {$10000.00} in closing costs on a loan they currently held. I stopped the closing. Reps from Quicken berated me for wasting their time. I again asked for a Good Faith Estimate. The Quicken rep said they dont do that. I explained it is law that they provide me with the numbers so I can make an educated decision. They refused to provide it and screamed at me for not closing. After speaking with me, they called my husband and tried to pit us against each other. We laughed that they would use middle school tactics to come between a husband and a wife. So unprofessional. Now they wont leave me alone. They continue to infiltrate my email beating me up trying to get a loan out of me. I delete and block every correspondence from Quicken. After hundreds of requests to leave me alone, they send two or three emails for everything one I block or delete. Their strong arm tactics should be investigated.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TX)

I'm requesting that Shellpoint Mortgage Servicing remove the 30 day & 60 day and 90 day late payments for XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX from my credit reports on XXXX XXXX XXXX and any other reporting agencies. XXXX and XX/XX/XXXX mortgages payments are in XXXX  XX/XX/XXXX mortgage payment was made on time as reported on my XXXX credit report. 
From XX/XX/XXXX my XXXXXXXX XXXX XXXX XXXX  was hit hard by Covid 19. My clients are XXXX XXXX XXXX. They too were devastated by Covid 19 because they were forced to close. My revenue plummeted. By the end of XX/XX/XXXX I exhausted all of my savings. 
I requested a Forbearance for the XXXX and XXXX payments because of the negative effects of the virus and was approved on XX/XX/XXXX. In XX/XX/XXXX Shellpoint Mortgage Servicing posted a 30 day & 60 day late payments on my credit reports. On XX/XX/XXXX i wrote Shellpoint and requested the late payments be removed due to the negative effects of Covid 19. Shellpoint denied my request, stating that I didn't say specifically " Covid 19 " was the reason for my request for Forbearance and that I had a prior late payment.

The 2 late payments are negatively affecting my ability to acquire new contracts and credit which will grow my business revenue. On XX/XX/XXXX Shellpoint Mortgage Servicing added a late payment for XX/XX/XXXX on my XXXX credit report, My XXXX is now reporting a 90 day late. This is an error, i made the XX/XX/XXXX payment on time. 
I'm determined to make my mortgage payments. I made 9 consecutive payments starting XX/XX/XXXX. It wasn't easy. I had to beg and borrow money from friends and family. I took out high interest rate payday loans and took on odd jobs to ensure that I made the mortgage payments. Due to the late payments I am no longer able to borrow money to help me pay the mortgage. I'm at the end of my rope. I'm trying my very best to avoid Bankruptcy. 
I ask that Shellpoint take in consideration the 9 consecutive mortgage payments and remove the 30 day & 60 day and 90 day lates from all of the reporting agencies. This will allow me to obtain new contracts and credit. My revenue will increase and I will be able to Honor My Commitment With Shellpoint Mortgage Servicing. Thank You For Your Consideration And Your Help.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2021, I received a credit card from the furniture chain XXXX XXXX XXXX that I had not requested nor applied for. The card was issued by TD Bank, N.A., and came with a {$10000.00} credit limit. 

I called the card issuer to complain and cancel the account. I was referred to their fraud desk, where they did cancel the account ; they will be sending me a confirmation letter within 30 days. Conversation with the representative showed the account was opened on XX/XX/2021. I did not open this account either in person or online. 

Though the matter seems to have been solved to my satisfaction, I understand opening an account without authorization is illegal. I'd like to know how this could have happened.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The bank of America has just contacted me via their secure message system and repeated their decision that their initial decision was right and the time for my claim has been out of the window which is a true lie and FRAUD. 

I have disputed my XXXX from apple exactly the same week after I encountered the error and asked Bank of America to dispute it but they did not. 

They keep bringing excuses and falsely claim that I delayed opening the dispute request and they are wrong. 

I need someone to take care of these people. 

BANK of AMERICA is wrong and I object to their decision.
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage lender has sent me three ( 3 ) different 1099 claiming different amounts on my mortgage interest. As a result, my 2020 taxes were filed with the first one I received indicating I made {$35.00} in interest. Now, I have to file an amended return and my Cpa is going to charge me {$200.00} for this service. Nationstar needs to pay for this since it was clearly their error NOT mine.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (AZ)

I have three credit cards with U.S. Bank that were paid in full and closed in early 2018. I then submitted a letter that I have a copy of because when I called and they have a record of my phone calls they said I had to submit the letter in writing which I do. I did not close the account and a relative who is deceased use the card I moved and by time I found out about it they said it was too late to dispute. Us bank promise me that they would remove it from my three credit reporting agencies they have not done that they have said very rude and remarks that are discriminating against me, they have provided wrong information as well and refused to correct it.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 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 XXXX data breach and my have gotten into the hands of the wrong person.