davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX ( Paid in Full ) {$1500.00} XXXX XXXX XXXX ( Paid in Full ) {$670.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (SC)

XX/XX/XXXX - First time I opened a ticket due to withdrawal functionality being XXXX when trying to withdraw {$10000.00}. I attempted to review the ticket through their ticketing system, but was unable to connect as every option and link was broken. 

XX/XX/XXXX - Again I try to withdraw the same funds and was met with the same rejected error. So I opened another ticket, as my first ticket was never resolved. I would also like to mention I never received any feedback, nor was provided any way to track updates or communicate with the support team. 

XX/XX/XXXX - After receiving no response I found publicly listed emails for Binance US employees on XXXX and decided to send a last effort plea for assistance. Still no response. 

XX/XX/XXXX - I deposited another {$2500.00} successfully, with the hope that based on the following support article, https : XXXX? XXXX & XXXX, that would unfreeze withdrawals on the account. Of course the funds were immediately accepted and processed, and of course the withdrawal function was not restored.
Consumer complaint received 2020-06-10
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. (DC)

I have been a customer of Citibank of over 12 years. I have an excellent payment history, and aside from a few occasional instances where I have missed a monthly payment or paid late, I have been consistent in paying my balances off in full. 

My credit limit as of XX/XX/2020, when I made my last payment in the amount of {$9200.00}, was {$15000.00}. On XX/XX/2020, Citi unilaterally lowered my credit limit by {$15000.00} to {$300.00}. I did not receive any correspondence other than a letter placed in my online portal. Because I was not paying attention closely to this other than making payments, I did not catch that because of the change, my credit utilization went from 0.5 % to 35 %. As I continued to spend on my card without realizing the near 100 % drop on my credit limit, my credit utilization hit 100 %. When I missed my XXXX payment, my credit utilization went up to 109 %. 

I tried calling Citi to complain and have them address and received no help. First they told me it was due to a returned payment, but I have not had any returned payments and they could not furnish any proof. They only said it had happened in the past and they did not have access to it. They refused to reexamine my credit limit and refused to contact the credit agencies to clear up the issue that has now damaged my credit score. 

I was then told it was because of a LATE payment, but they refused to identify which payment was tied to the decrease. They would not give any explanation why they would decrease my limit by pretty much 100 %. 

I am done with Citi as a customer, but I need help making sure this will not permanently damage my credit score. I am concerned that since my Citicard is my oldest account, my credit score will be damaged because the average age of my accounts will go down. I also would like to apply for a different credit card, but because of my credit score,  I am locked out of some of the better cards available for at least the next 29 days. Citi has refused to help in any way, they passed me around from person to person with no help and finally just left me to write some obscure department if I want them to address this with credit agencies.
Consumer complaint received 2020-06-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I am an XXXX XXXX XXXX XXXX and have been living in MD since XXXX when I arrived there on my first assignment. I purchased a home in XXXX, MD in XX/XX/XXXX just before the housing crisis. By XXXX, the market had completely crashed and I decided to move out of the area. I have owned the home for over 12 years hoping that the market would recover and I could sell, but it never did. Over the years I have lost a tremendous amount of money managing the home as a rental - losing money on rent, dealing with tenants who refuse to pay, break -ins XXXX damage to the property, crime etc ... recently I tried to list the home for short sale. However, due to market factors that are out of my hands this is not a viable option. I believe that returning the collateral back to the bank through cash for keys or deed in lieu of foreclosure is the only way to settle this matter. I did not make my XXXX payment as I was planning on starting this process with the bank. When I got paid on the XX/XX/XXXX, I transferred my money to a different banking institution. Despite the fact that I had a pending transaction and had shut off my payments to my mortgage, Navy Federal Credit Union took it upon itself to withdraw money from my account in an unauthorized transaction. I called the bank and disputed, but they refused to return the money. I received many harassing phone calls during the weeks I was delinquent and constantly reminded that I owed the money. On the XX/XX/XXXX, I went to the bank to communicate my intentions to give back my keys and return the collateral through one of the aforementioned programs. When I arrived, I was told that there were limited services due to COVID-19 policy and that they would not allow me to speak to an associate regarding a mortgage. I told her it was imperative that I speak to someone. She insisted that I disclose details of my issue in front of other customers waiting in line ( clearly a private matter ) and that " they don't resolve any mortgage issues at local branches ''. I was finally allowed in after calling the banks mortgage service from the parking lot. I have been in good standing with this mortgage for over a decade, but I feel that owning the home is no longer tenable due to the financial and emotional burden it has placed on me and my family. I am absolutely appalled by the banks general demeaner and attitude towards me and feel it is necessary to settle this matter before I retire from XX/XX/XXXX in XXXX.
Consumer complaint received 2019-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION (FL)

On XX/XX/2019 I applied for a personal loan and was approved for XXXX pending verification. I provided all necessary verification and met all the requirement of the company. However when the lady processing the loan she processed it as an auto purchase loan and only upriver for that amount. I did not ask for the loan to purchase the vehicle I asked for a personal loan and used a vehicle to secure it. Florida having electronic titles means all I have to do is file the lien application for them and it has my tag number on that so it made it proof of registration as they requested they would have made me pay to file the lien anyways before they gave me the loan so I just saved my self one step. However I XXXX the ladies of because I told them they were XXXX and didnt process the loan correctly and I filed a complaint with the Vice President and the executive committee. So in the end they had no legal ground to deny the loan and they violated the law by not giving me the loan application they didnt approve. The reason I think they denied the loan is because Im incompetent and my wife has to sign for me which is discrimination against a XXXX veteran. And I say this because I was actually approved for XXXX 4 times thru there company each time they were blowing me off Id apply.
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My credit card balance was only {$800.00} when I fell behind and capital one is charging me almost 100 percent interested I also contacted capital one numerous of times for a copy of my contract to see how and why its so high of a balance in my credit and they have not sent me nothing on 6 months I been asking
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the XXXX XXXX and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the XXXX XXXX end stating that XXXX, XXXX or Equifax would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( XXXX ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Received : XXXX Submitted for Investigation : XXXX Response from XXXX XXXX - Results : Unchanged Acct # XXXX XXXX XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX XXXX Submitted for XXXX Response from XXXX : XXXX - Results : Unchanged Letter # XXXX ( XXXX ) - XXXX WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY XXXX/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Rcvd :? XXXX Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Letter # XXXX ( EQUIFAX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX XXXX ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( Equifax ) Sent XXXX XXXX Rcvd : XXXX NO RESPONSE XXXX XXXX ( AFCU- {$1000.00} ) Certified Mail Ending in : XXXX ( Equifax ) Sent : XXXX Rcvd : XXXX XXXX RESPONSE Letter # XXXX : ( EQUIFAX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX XXXX ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX XXXX Letter # 1 : ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE Letter # XXXX : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX
Consumer complaint received 2021-06-03
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 (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. By the start i am using my account there is no any dispute against my account butt company saying there is risk. 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 days. 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 '' Name : XXXX XXXX
Consumer complaint received 2019-12-22
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. (SC)

XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  XXXX I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000 years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a billion  dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

I called in on XX/XX/XXXX requesting an investigation on a bankruptcy on my credit report. XXXX started the investigation and put a security freeze on my account. 30 days has past and the investigation hasn't been completed nor has a letter been mailed out telling me that they needed more time.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

There was a glitch in the banking system showing DIFFERENT DATES AND MONEY OWED AND extra charges and fees that were added and a mistake with an employee who was notified to take a payment out directly on the XXXX and failed to do so which caused me to go over 30 days late pluse extra charges and fees and it was added to my credit report as a 30 day late and I can't get it off. Beyond angry and upset I can't get it off my record now I tried to dispute it through both bank and credit bureau with no luck. It's my only 30 day late in a XXXX loan with Wells Fargo XXXX I would like to get these fees reversed and have this one 30 day late removed from my credit report. REGARDING MY CAR LOAN WITH WELLS FARGO CAUSED BYE HUMAN AND SYSTEM ERROR. THAT HAS COST ME EXTRA MONEY IN FEES AND CHARGES AND HAS BEEN EFFECTING ME AND MY CREDIT EVER SINCE. THIS IS UNJUST AND FRAUDULENT.
Consumer complaint received 2019-12-22
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XXXX I pulled my credit report and came across missed payments from XX/XX/XXXX XX/XX/XXXX from Capital One. After going through my records i realized why I had the hardship earlier this year due to an car accident at the end of XXXX, which i had XXXX and had to be off work for an extended period of time. Before my accident i hadn't missed a payment and once i was able to get back from my XXXX I haven't missed a payment since XX/XX/XXXX. I sent a forgiveness letter along with documents supporting my situation. I received a response 10 days later stating that capital one wasn't able to remove or honor my forgiveness letter.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc. (LA)

I entered a consumer credit transaction with PROSPER MARKETPLACE IN and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that PROSPER MARKETPLACE IN claim I owe. PROSPER MARKETPLACE IN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2019-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (CA)

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX at SunTrust told us that any documentation that comes to them without loan numbers on every single page gets shredded or deleted from the file. 

Firstly, this is illegal, as it is a violation of the Homeowners Bill of Rights.

Secondly, in our experience with SunTrust, closing almost 3000 short sales in the last 13 years, we know this is not true. 

Thirdly, on their own documentation they don't even ask for the loan number - see Affidavits attached. 

Apparently SunTrust is directing their employees to delete documents in order to push properties into foreclosure. 

I am attaching the requested documents to this CFPB Complaint. I expect these to be attached to the account and the short sale moved forward without further delay. 

For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair