davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — Store credit 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. (NJ)

This is a followup t o CitiBanks  response to my complaint  XXXX , which you sent to me yesterday. As a result, CFPB decided to close the case. Please reconsider your decision after you review my response as follows : Lets make it clear : I, the consumer, have never expressed or denied my liability or responsibility to pay with Home Depot credit card for the proposed project. As a result, I agree with  CitiBank  that you provided a representative of  XXXX   XXXX   XXXX , with your credit card information, including your account number and expiration date, thereby assuming liability for any resulting charges. The only issue here was when and how to pay.     The hand-written agreement signed  on  XX/XX/XXXX  stated : Buyer   agr ees to pay for job in full at time of construction completion & final inspection There was no mention of payments by installment.      1 ) Th e  XXXX  card purchases were conducted by a third party without my acknowledgement and authorization.      2 )  The card usages were not related to the project. Based on my investigation, the cabinets were ordered with cash from the  contractor  a t Home Depot in   XXXX , NJ. According to the receipts you attached, the card transactions were completed at  Home Depot  in   XXXX    XXXX , NJ.      3 ) Pe r Consumer Affa irs Rule, N.J.A.C. 13:45A-16.2 ( a ) 10.ii, Final pay ment to t he contractor is not required to be made before a final inspectio n is performed. Although the  contractor obt ained the complete card info, it was agains t the Law  to take the last payment before the project was even completed.     Lets make it clear again that the store credit of {$4900.00} posted on   XX/XX/XXXX  c ame directly from the  contractor as t he  XXXX  must have realized the consequence if they failed to make a correction.
Consumer complaint received 2023-06-14
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. (IL)

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the accounts from my file. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX Balance : {$390.00}
Consumer complaint received 2024-06-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Greenlight Financial Technology, Inc (NV)

I've had a greenlight account for a while. A year ago I changed my phone and contacted greenlight to give them the new phone number so I could access my account and be able to deposit funds for my kids. I got a text saying I no longer had a greenlight account and that was why i couldnt access it. I didn't care to continue with greenlight and accepted that it was a closed account. I notice a few months later, that I was still being charged for an account that I was told was closed. I emailed greenlight to ensure it was canceled and get my money back. A few months later it happened again. I'd get a text or email saying I have no account, yet they continued to withdraw money from my bank account. In ever correspondence to greenlight, i provided my name, my old phone number, new phone number, date or birth, name of XXXX kids on the account. I provided plenty of information for an agent to be able to access my account. They always told me that I had no such account. It's been dormant for about a year and they kept charging me and telling me I had no such account. I finally called to ensure it was canceled, though I prefer everything be in writing, like all the previous correspondence. I am not sure if it was actually canceled this time. I know i got no refund. They offered a partial refund but only if I kept the account opened. I don't want it, nor need it, after a year of having no access. I've found other means to transfers my kids money because this greenlight account just didn't work, regardless of house many times I reached out.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (KY)

Starting with dates and amounts. XX/XX/XXXX {$97.00}, XX/XX/XXXX {$93.00}, XX/XX/XXXX {$30.00}, XX/XX/XXXX {$13.00}, {$3.00}, {$110.00}, XX/XX/XXXX {$130.00}, {$20.00}, XX/XX/XXXX XXXX, {$8.00}, XX/XX/XXXX {$95.00}, {$57.00}, {$54.00}, {$50.00}, {$95.00}, {$95.00} again, {$30.00}, {$360.00}, XX/XX/XXXX {$72.00}, {$95.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$45.00}, {$30.00}, XX/XX/XXXX {$95.00}, {$30.00}, {$140.00}, {$66.00}, Saturday {$100.00}, Sunday {$320.00}, Monday {$130.00}. I contacted cash app and filed a dispute for each and every transaction but I was denied because of my camera quality not being able to fully verify my ID due to blurriness, which me being denied also got my cash app card closed so now I can't order a cash app card use my old cash app card or use a virtual card. I can only send, receive, add cash and withdrawal funds. I legit don't know what else I can do because I had everything on cash app I just recently opened a bank account once I got back from My brother 's funeral, that is where I was for a full month was in Michigan with family because my older brother passed away due to XXXX XXXX, and my portion of the funeral funds were stolen. My phone was stolen 4 days before I left XXXX  to go to the funeral, but getting a new phone was the very last thing on my mind considering my brother had just died. I even went out my way and provided proof of family photos, and obituary, and a picture of the new phone that I have, cause on cash app you can see what devices were logged in.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (AZ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

I received in the same day a denial saying that my PSLF discharge was denied because I was no longer employed by a government entity ( I am, and the form I submitted showed I still am employed. ) The SAME day I received the following message from MOHELA in writing that said " Thank you for contacting MOHELA, Congratulations! There is no further action that you need to take. We will notify you once the discharge is in process. Public Service Loan Forgiveness ( PSLF ) Discharges can take up to 90 business days from the notice to be complete. " When I called it took 10 times at least being on hold for hours and when I finally got through the girl was clueless and said she didn't know why my loan wasn't discharged and the denial " must have been a mistake '' and said it looked like I had done everything I need to do. When I hung up she resent a copy of the same denial. Their website currently has me with XXXX qualifying payments for pslf and they say on the phone and in writing that I've done everything I need to do, yet they STILL show a balance due and are still reporting this balance on my credit report. I can get NOBODY on the phone who can tell me why my loan hasn't been discharged and my credit is being negatively affected.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Goodwill Letter to XXXX XXXX In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The XXXX XXXX account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old XXXX XXXX account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NE)

On XXXX XXXX 2023 XXXX was garnished from my Wells Fargo checking account by order of the XXXX XXXX XXXX in Nebraska. I am a XXXX XXXX XXXX veteran of the XXXX XXXX. The funds in this account were entirely made up of a housing allowance issued by the VA, Pell Grants, and student loans exempt from garnishment. I scheduled a hearing on XX/XX/2023 at XXXX with the XXXX XXXX XXXX XXXX which they agreed and created a Journal Entry and Order stating that the funds are exempt. The XXXX XXXX XXXX faxed Wells Fargo directly this order. Today on XX/XX/ 2023 I was told that the court order was not enough for them to release these funds that shouldn't have been held in the first place. I'd like to file a formal complaint that Wells Fargo is violating Federal Law under the CCPA and a court order that the funds are exempt leaving a veteran student with no means to pay his rent.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I had an account Nissan motors and paid XXXX I made the payment and was advise that it would be removed and deleted from my account. It has been posting in good standing prior to payment. In XXXX it was now reporting as bad debit charge off.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I went to open an account at another bank XXXX XXXX They declined me because of error at an old bank I was unaware of until I inquired about the issue. Apparently someone tried to charge something to my forrmer account which had a balance of {$17.00}. First National Bank of PA declined the charge and charged fees on the overdraft. I called them today and they referred me to some collection agency where they placed the charges. I called them twice and they cut me off.
Consumer complaint received 2023-06-14
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

The Credit bureaus stated XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} The Credit bureaus stated XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}
Consumer complaint received 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

Hello and please note that this is my second complaint filed with Ally Home Loans. 

I have desperately been trying for months to have Ally follow the law ( SCRA and California Military Families Financial Relief Act ). While they have been in contact with me, I have not gotten any written confirmation that I am on the deferment program. Rather, as of yesterday XX/XX/2023 I was removed from the regular payment program. Today, they are showing I am late on my payments and have reversed my funds. 

This is incredibly stressful. I have an impound account. The means, that although my mortgage is deferred, my property taxes and insurance are not. I am now removed from the program, and no one at XXXX seems to know anything. 

Please help.
Consumer complaint received 2017-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted several complaints in regards to the deletion of obsolete credit reporting on my credit file. Transunion is also reporting incorrect payment history with this obsolete account with  XXXX   XXXX , account number  XXXX . I have not been late. I am within my rights as per FCRA to have old account stemming from  7-10  years of age removed and this old account fslls within thst category. Transuion should have removed the old account ; is too old to be on credit file ; however, since  Transuion  did not remove the account, I requested for deletion. I also requested verification of form of dispute and who verified the dispute. I requested this information so if the old debt is not removed from credit file, I will have the information when I seek legal representation for the removal of the outdated account
Consumer complaint received 2019-03-01
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NY)

IambeingsuedbytransworldsystemswhohaspartneredwithXXXXXXXXXXXXtosuemethroughXXXXXXXXXXXXwhocallsmewhilewhereincourtuntilXX/XX/XXXXtomakeanunrealisticdeal.TheyalsonevercalledmeinthebeginningandinsteadcalledandauntwhoIdontevenspeakto.Also,theywantedtomakeadeal.Whatdealyousuedmeandforunjustanduntruthfulreasons.TheyalsoreportedmycredittodayandIreceivedandalertandsoIinformedthecreditbureauofexactlywhathappenedfrombeginningtoendstartingwithXXXXwhichiswhotheloansbelongedtofromacollegeIdidntfinishsincethefinancialaidofficeatXXXXuniversitymessedupandsentmyloanbackinmysenioryearleavingmewithalargedebtandnojobtopayitandIsufferfromXXXXsowhoknowswhenmynextXXXXXXXXwillbe..rightnowIpayXXXXbecausetheysetarealisticdeal.XXXXgavenoreasonableoptionssincetheywereawaretheco-signerdiedthedaytheywantedthemoneyandthensentittoXXXXXXXXXXXXwhowantedmetopaytheirfeesalongwiththefeesalreadyonmyloans..impossibleforwhatImake.Iftheyresuingmewhyaretheyharassingmeshouldntweletthejudgedetermineandorlawyers.RightnowmepayingthemalongwithpayingalloftheotherloanswouldplacemeinextremehardshipforadegreeIdidntgetbecauseofXXXXUNIVERSITY.IwillspendmyentirelifefightingthisandifIhavetoIwillforwhatwasdonetome.NotdoIsufferfromXXXXandXXXXXXXXIamnowbrokeduetoprivatestudentloanswhenIplannedoncompletingmydegreeandXXXXmessedupmyfinancialloansbeyondthedeadlineperiodandleftmewithaschoolbillthattheyfinishedpayingoffbecauseiftheyhadnotmyco-signermygrandmaatthetimebeforeherdeathcalledthemandthreatenedtosuethem.SinceXXXXuniversityhasdonetheirjobatcoveringtheirmistakeupbutmyentirefamilybaredwhitenesstoitandsincethenthesamefinancialaidofficerattheschoolwasfiredforsayingIwasfinancialclearedandacoupleofkidswerewhenwewerentintheendinXX/XX/2009its10yearslaterandIhavebeenthroughXXXX
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

In XXXX of XXXX, I noticed a collections account on my credit report through XXXX XXXX, which was apparently opened on XX/XX/XXXX. 

I had no prior knowledge of this account or collections attempt due to no phone calls being received, or mail being sent to my address. 

This was also apparently collections on a credit card through a XXXX XXXX XXXXXXXX XXXX as listed on my report, I have no history with this bank, nor have I opened a new credit card since XXXX. 

I actually have all of my credit files locked due to an identity theft breach through XXXX XXXX, so this account shouldnt have been able to be made without my knowledge. 

A company by the name of LVNV Funding LLC is now attempting to collect on this card that was charged off / sold from the original creditor ( XXXX XXXX XXXXXXXX XXXX  ) Ive spent the better half of two weeks calling every single bank with that name and asking if Ive had an account with them, all of which has said no, or has turned me to the company that issues their cards, which have also said no. 

On top of this, Ive tried to reach out to LVNV Funding LLC, which can not be reached due to a cleverly designed automated loop that will never actually offer to connect you to a human representative. 

This is being listed as a derogatory account on my credit report that is NOT mine, I have attempted to dispute this through credit karma, to which they have declined to remove from my report due to it meeting some FCRA requirements that I wasnt notified for. 

XXXX on the other hand has already removed the account from my report, which means that XXXX is officially reporting false information and is refusing to abide by the law.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (UT)

My previous complaint ( XXXX ) with Aldous & Associates was closed without getting a valid response from the company.

As indicated in my complaint, Aldous & Associates continues to state that a fraudulent contract they provided is " proof of a debt " they are trying to collect. The signature on the contract they provided is not my name and not my signature There is absolutely no way I could have known this fraudulent contract existed and there no way that I could have a debt related to a breach of contract that I did not know existed.

Aldous & Associates is threatening to report this as a defaulted debt to credit reporting agencies unless I pay them {$100.00}, but they wont even give me any information on how the {$100.00} was calculated.
Consumer complaint received 2017-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

On XXXX/XXXX/17 I submitted a workout package to be review for a modification loan. I received a letter from my lender ( NationStar Mortgage ) advising I was denied because they could not set me with an affordable payment. In the letter is does not state if my income was high or low, when I submitted with workout package I never received a letter stating they received my documents and that the file was in review or any document pertaining to my modification. A few days ago I received the denial letter, I 'm not happy with the outcome because they are not specifying why I did not qualify. I called today the lender and the representative told me that they reviewed me for a Flex Modification but I did not qualify because they could not give me an affordable payment. I asked her if they do the review in base of my income and she said NO, so how do they get to the conclusion I did not qualify. I asked her to explain and she was not able to give a reasonable explanation. I am demanding a real explanation, not just I did not qualify