davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A. (MN)

On XXXX, XXXX, XXXX agent in XXXX asked that we make a payment of {$5000.00} to XXXX  XXXX XXXX XXXX XXXX account XXXX. Citi bank XXXX XXXX XXXX NY XXXX. 
The company addreess is XXXX XXXX XXXX, XXXX New Jersey. This amount was paid from a XXXX XXXX through online wire transfer from joint account number XXXX and duly charged from and confirmed XXXX TRN XXXX RFB # XXXX. 
After paying, the recipient claimed that the omission of XXXX from the information would make the payment invalid, AND HE WENT FURIOUS AND ASKED US that unless we sent our IDs he would not make a return to sender request therefore wrote that we should RECALL The MONEY AND HE DOES NOT WANT ANY COMMUNICATION BETWEEN US after we refused to to send the IDS He, therefore, started to abuse us. XXXX XXXX was informed and after 6 months in XX/XX/2020, we were told that CITIBANK REFUSED TO REPLY A CLAIM FOR return of the money and urged to contact CITI BANK. We did but no reply as attached. The recipient Company insisted that no payment was made into the account and therefore it is still in CITI BANK as a suspense account
Consumer complaint received 2020-04-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (TX)

XX/XX/2020 I, XXXX XXXX XXXX called UWM Mortgage on XX/XX/2020 at this number XXXX and asked them for possible Mortgage assistance because my significant other lost her employment due to the Corona 19 epidemic and I am the only one working in our house hold. The represent told me that they sold my loan as of today to XXXX XXXX because XXXX XXXX ask them to. I paid my mortgage on time all I asked them for was possible assistance with a possible deferment program, they said no and sold my loan to XXXX XXXX, She told me that the investor XXXX XXXX told her to dump my loan. I served my country Honorably and all I asked for was assistance to defer my Mortgage payment, but instead of helping me, they sold my loan during a epidemic to avoid possible financial losses. I am a XXXX XXXX, and work for the XXXX, please look into this matter, I feel I have been discriminated against because I asked for assistance during a world wide pandemic. This company XXXX XXXX has turned its back on me when I needed them the most.
Consumer complaint received 2020-03-24
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had child support, and I have never been put on child support. I did some deeper research and I was told that someone used my name and social to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XXXX   XXXX {$8500.00}
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

On XX/XX/XXXX a Chase Employee made a " mistake '' and " accidentally '' closed my account and debit more than U $ S XXXX. I'm complaining since then and still my money isn't back into my account. I NEVER GAVE CONSENT on this debit or closing my account and Chase employees tell me they can't do anything. I wasn't able to pay my rent due to this issue and it's been now more than 10 days contacting Chase almost every day and they give NO SOLUTION. Please, I want my money back into my account NOW. Attached you can find the screenshot.
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (CA)

Exeter Finance has never disclosed or provided any information regarding what portion of my payments are going towards the principle amount. Now that I have been temporarily laid off due to the COVID-19 crisis I reached out to Exeter to get some assistance with managing my payments and discovered that the last 7 payments were applied to interest only. I was never informed of this at any point. After spending 1 hour on the phone with them it was disclosed to me that I have a " simple interest loan '' and 100 % of my payment is going towards interest. The payoff on my car now is {$140.00} more than when I purchased it. It was also explained to me that they are unable to disclose the amount I pay towards the principal because interest is calculated on a " daily basis ''.

So, I have never received any details about any payments I have ever made. I have paid {$700.00} a month for 18 months and the principle on my loan has increased by {$140.00}. 

I am at a loss and hoping for some help. 

XXXX XXXX
Consumer complaint received 2020-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had child support, and I have never been put on child support. I did some deeper research and I was told that someone used my name and social to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XXXX   XXXX {$8500.00}
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDIT PLUS located at XXXX XXXX XXXX XXXX, MD XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2022-12-28
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: FIRST NATIONAL BANK OF OMAHA (KS)

I applied for a credit card with First National Bank of Omaha on XX/XX/2022. I was sent a denial letter stating Our records indicate that you have recently applied for an additional credit card account with our bank. The denial letter reason does not pertain to the information contained within my credit reports. Therefore, a credit report inquiry was not warranted.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I am a single mother and was trying to purchase my first home to provide security for me and my child, & it wasn't until I started the application process only to realize all the fraudulent accounts on my credit report! Due to this, I've had to let go of what WAS my dream home for me and my child, now I'm stuck renting until you guys remove these fraudulent accounts!
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (UT)

I filed Complaint XXXX to the CFPB. With no proof whatsoever, Real Time Resolution ( " RTR '' ) submitted an inconclusive transfer notice as their evidence. See their reattached Staker - ( XXXX XXXX XXXX " XXXX '' XXXX XXXX Goodbye Letter. 

I provided governmental proof XXXX  held in XXXX the entire principal had been paid. See the attached XXXX Form 1098. 

RTR claimed, " XXXX transferred the loan to RTR on the date [ XX/XX/XXXX ] reflected in that letter [ XXXX Goodbye Letter ] with a non-zero balance. '' RTR ignores RTR corrected the transfer date to XX/XX/XXXX. See the attached RTR_Corrected_Transfer.

RTR asserts they " did not agree with XXXX  issuance of the Form 1098. '' RTR proffers no authority whatsoever to show XXXX acted improperly.

RTR claims there was a " non-zero balance '' at transfer. RTR knew this claim ( a " non-zero '' balance at transfer ) is false. See the attached XXXX  Servicing File ( generated by XXXX as part of the transfer to RTR with no balances owed ).

RTR claims " RTR does not believe that XXXX  possessed the authority to purportedly XXXX out the balance of the loan after the transfer to RTR. '' RTR knows their " after-the-transfer '' claim is also untrue. See the attached XXXX Servicing File ( establishing the account balance was XXXX before the transfer date ).

I complained RTR 's responses required by XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, are lacking. RTR claims ( again without proof ) to have responded. And so, where are these responses?

RTR claims my requests are duplicative. RTR overlooks each Notice of Servicing Error had new additional documents, federal regulations require a new investigation. 

Attached I have shown clear and convincing third-party ( official ) evidence there is no account balance. I have also produced proof RTR stated facts they know were untrue ( non-XXXX  balance at transfer and action " after-the-transfer '' are both false ).

On the other hand, RTR lacks proof XXXX  acted improperly or there is an account balance. RTR position here boils down to a pretend  disagreement with the decisions and actions of the prior servicer. However, it is patent RTR lacks any authority " before-the-transfer '' to sustain their disagreement here.
Consumer complaint received 2022-12-28
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. (CA)

On XX/XX/2022 i sent a letter to transunion to update a XXXX XXXX latepayment that was being falsely reported. They had updated the payment from 30 days late to current. Then i look at my credit report In XXXX and they changed it back to 30 days late which is a violation. I have attached my letter below. Due tho them reporting this late payment i am back not getting approved for apartment or a car.
Consumer complaint received 2020-06-08
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. (LA)

On XXXX XXXX I sent a letter to Equifax stating that I would need verification bearing my signature in reference to XXXX XXXX XXXX who has been reporting that I owe XXXX dollars to a company called XXXX. As of yet I have not received what I have asked for. I have nothing bearing my signature to verify this. I received only an email stating that it was verified.
Consumer complaint received 2020-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I was contacted about a debt in XXXX for {$280.00} and spoke with someone from Midland Funding LLC who said that they had bought the debt from XXXX/XXXX. I told them someone was trying to use my information to open accounts, that I didn't request or authorize it. I think they said it was opened at a XXXX in Kansas ( possibly Massachusetts ), and let them know there was no way that could be me - I hadn't traveled there at all in XXXX, didn't authorize anyone else to use my information, and I also don't shop at XXXX. More recently I've learned that instead of removing the debt because of the identity theft/it not being owed by me, Midland Funding reported the status as in collection, and it's lowered my credit score.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

On the XXXX of XXXX XXXX XXXX XXXX account as a delinquent account. At that time it was accurate. On the XXXX I paid off the past due balance and just now ( the XXXX ) I got alerted that they JUST reported me as severely delinquent despite my account online and on the phone showing as being current. When I called to get this corrected their manager told me I would have to call the credit report company to get it fixed. I explained that I am not an XXXX and that they do not control what is reported and that they are fraudulently reporting on my account to the credit bureaus. She then lied AGAIN and told me to call the credit bureau to get it fixed to which I told her I would be reporting them for the fraud.
Consumer complaint received 2023-06-20
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. (NC)

After reviewing my credit report I noticed inquires that don't belong to me that I have no knowledge of, after trying to get these deleted and removed I have yet to get the 3 credit bureaus to delete the following inquiries that were found on my credit report. 
XXXX. XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX . DATE : XXXX XXXX. XXXX XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX. DATE : XXXX
Consumer complaint received 2022-11-04
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. (AL)

XXXX 's, XXXX XXXX  told me they have been unable to report since XX/XX/2022 due to a new reporting system. I was told by TransUnion and XXXX to mail them my statements for manual updates. They failed to correct and insist they are verifying inaccurate information.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX, my husband and I filed Chapter XXXX Bankruptcy and it was closed out in XXXX. I believe this is the time when re-affirmation would have started. I am no longer married and trying to refinance my home to remove his name off the loan, being we have been divorced for over 14 years. XXXX, I did a loan modification under my name only and they still never started recording my payment history from there. I tried refinancing with Bank of America, and I was denied.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (CA)

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C1681 section 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 handwritten instructions.
Consumer complaint received 2020-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (IA)

I have an account at HSBC with $ 100k+ as initial deposit. They recently blocked my account access. They claimed it was related to a security concern. Today, I called and provided all relevant information and verification and they said my account would be available. Still, I have no online access to my account or my money. I had planned to transfer more money in, but now I just want my money back. HSBC is a scam.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

I have a Macy 's American Express card. A month ago I had a credit limit on my card of {$4000.00} with payments on time, and always more than the minimum and never late, also a month ago I made a payment to my account of {$500.00} and {$70.00}. After this they have decided to decrease my credit limit from XXXX to XXXX. They have even sent me a letter stating that my score according to XXXX  is XXXX when this is not true. I have never had such a bad score. It is the first time that this happens to me I have cards with higher limits and no bank has taken that attitude. With this, they have only damaged my credit and have looked for ways to charge me more interest with the aim of earning more money, leaving my account at the limit. This is very unfair.
Consumer complaint received 2020-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

I sent money ( XXXX $ ) to my mother through western union ( MTCN # XXXX XXXX XXXX ) and i used my XXXX   account. I put the wrong address that's why she never had a chance to claim it. I decided to go to onilne help, they told me that there's no way to change the address, and then they advised me to refund it instead. I refunded it last XX/XX/XXXXand they told me that my money will be returned to my account for 7 banking days. Until now, im still waiting and there's no money returned.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I have contacted Citibank Best Buy and spoke to XXXX ( Rep Id # XXXX ) in regards to applying to a two interest payment adjustment and for a deferment on the monthly payments. The associated advised that Citibank has no plan in place. I live in the state of New York and we are deeply affected by COVID-19. This is unacceptable and Citibank should have a contingent plan in place for such a catastrophe. Please have someone that is more competent in applying the interest charge credits and implementing the deferment.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 U.S.C1681 section 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 handwritten instructions.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (VA)

Upon receiving an updated credit report in XXXXXXXX XXXX XXXX  I noticed this credit card opened in my name that I never opened. I need this account, along with the inquiry removed from all credit profiles and consumer reports.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.