davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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. (CA)

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

Complainant, XXXX XXXX, hereinafter referred to as " Complainant, '' alleges as follows : XXXX. On XX/XX/XXXX, while visiting the CITI.com website for the purpose of paying the balance on my existing Costco Citi Visa card, I was presented with an offer of {$500.00} for opening a new checking account. 

2. The terms of the aforementioned offer and the actions of Complainant are as follows : a. Open a checking account between XX/XX/XXXX, and XX/XX/XXXX ( see Exhibit 1 ). 
b. The checking account was opened on XX/XX/XXXX ( see Exhibit XXXX ). 
c. Deposit {$30000.00} into the new account within 21 days, completed on XX/XX/XXXX ( see Exhibit XXXX ). 
d. Maintain this balance for an additional 60 days, completed ( see Exhibits 3, 4, and 5 ). 

XXXX. Upon fulfillment of the aforementioned requirements, CITI was to deposit the {$500.00} bonus within 30 days after the termination of the 60-day period. This was to occur on XX/XX/XXXX. 

4. Complainant has not received the {$500.00} bonus as of today. 

5. Complainant contacted CITI, and CITI replied that the account does not qualify due to timing issues. 

6. Complainant hereby requests the Consumer Financial Protection Commission ( " CFPC '' ) to review this matter and investigate CITI Financial Services , Inc. for potential violations.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (ME)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX BMO Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Promotional Offer To Whom it May Concern : On or about XX/XX/XXXX, I applied for a Simple Business Checking online in response to a promotional offer to receive a {$600.00} bonus. 

I met all offer terms for the {$600.00} bonus but received a lesser payout of {$400.00}. Attempts to resolve this issue online were unsuccessful. 

Please pay the additional {$200.00} I am owed. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc. (IL)

I received a text from Unifin today, XX/XX/2024 regarding a debt collection that I do not owe and was actually turned over to XXXX XXXX XXXX. It is being paid monthly. This has occurred once before and I almost fell for it and came close to giving them personal information. The text phone number is XXXX.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: JPMORGAN CHASE & CO. (IN)

Over 20 years ago at Chase Bank I got a mortgage for my home. It was a LIBOR adjustable rate loan. There was no problem until just before XXXX XXXX Chase informed me that that product was no longer available and my options were to move to a high interest rate fixed loan or another adjustable loan. Under the adjustable rate loan my mortgage has gone up {$300.00} since XXXX XXXX. I dont understand how I can have a mortgage contract that can be voided or changed by one party and cause my mortgage to skyrocket. That should be criminal and a class action lawsuit if they have done this to others.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

I am writing to follow up regarding hard inquiries that have appeared on my credit report without my authorization. I appreciate your removal of the other 2 inquiries but I am wondering why you leave the other 2 inquiries that are part of my complaint unattended and were not removed.
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Peterson Enterprises, Inc. (WA)

Valley Empire Collection XXXX XXXX XXXX Washington filed a lawsuit against my wife and added both our names on the lawsuit for a medical debt that was not communicated to us. My XXXX XXXX XXXX was served the legal paperwork and refused to accept the paperwork. They left it on the door steps. No communication were made in regards to the collection. The medical debt in the amount of {$430.00} plus interest {$27.00} and filing fee {$73.00} and process fee of {$98.00} for XXXX XXXX. They refuse to work with us on correcting the issue or make communication with us other than filing a lawsuit.
Consumer complaint received 2022-06-03
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. (NM)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 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 written instructions.
Consumer complaint received 2021-01-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (FL)

I have received multiple mailings ( XXXX, XXXX, XXXX ) from the XXXX XXXX XXXX out of XXXX, Ill regarding a " debt I owed to Cashnet USA. '' They offered that I could pay my {$1600.00} debt with an immediate payment of {$420.00}. When I didn't respond to the letters, they started to call. Almost daily. I answered the phone at one point and the very abrasive man told me of this debt they were trying to recover. When I told him the debt was not mine ( I have NEVER had a loan through Cashnet USA ), he replied, " So you are disputing it then? '' I told him yes. 

The harassment for a loan that never existed in my name is infuriating. It caused me to pull my credit, just to make sure nothing was out there -- and it's perfectly clear. No outstanding loans, aside from my current mortgage.
Consumer complaint received 2023-05-04
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (TX)

They call daily and say I owe a debt, but can't exactly tell me the name of the company as they say it's been sold to them so it would be a different name. 
they called my previous employer as well. They use many different phone numbers but most say Convergent. I have paid many 3rd party debt collectors so I do not owe anyone at this time. They call non stop all day- they have also called my mother and son looking for me and saying I'm in legal trouble if I don't call back asap/ Threaten me to the point I don't answer anymore. Some numbers they call from are XXXX XXXX XXXX. They are violating so many of my rights and even calling my previous employers to let them know to reach out to me as I'm in big legal trouble. 

XXXX XXXX XXXX XXXX XXXX cell
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

Victoria 's Secret Credit Card I was charged a late payment fee of {$29.00} on XX/XX/2020. Noticed 3 days later that I was late for my payment. I emailed them right away and they answered that they could not waive the late payment. I called a day later to ask them if they would be able to waive the late payment but the representative said they would not be able to. Payment reminders for this credit card are tricky because they do not offer automatic payments or payment reminders, therefore I simply forgot to pay ( I mentioned that on the phone call as well ). 
Still they could not assist me and waive it, nor do they offer any services that will remind you to pay your bill a few days before.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Account was blocked to give the XXXX. Even after providing all the required information ( they confirmed they received the information ), still account is in blocked state. Every single day, Im calling them and they are saying they got all the information and will take 24 to 48hrs, but still it is in blocked state for the last XXXX weeks.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I sent Experian a dispute letter on XX/XX/XXXX to delete erroneous information on my Credit report which included, employers, addresses, spouse, names. I received an email notification today XX/XX/XXXX at XXXX XXXX stating that they received my dispute request and were going to start reviewing it. At XXXX XXXX on XX/XX/XXXX I received an email from Experian that my dispute was resolved. I provided all documentation that was required to show my current address, and name. All items that were disputed were not acknowledged.
Consumer complaint received 2021-01-06
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: CITIBANK, N.A. (UT)

My credit report had dropped severely in early XXXX - I looked into it and found a credit account that had been opened that I did not open or know about. I learned it was opened in XX/XX/XXXX - an ExxnMOBIL/CBNA credit card. I reported it as fraud and it was closed in XX/XX/XXXX, but it still shows on my credit account as an account under my name that had late payments. It is still affecting my credit score.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-19
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: Titanium Funds (UT)

I placed a dispute on my XXXX credit report for an item that was incorrect. XXXX resolved the dispute but removed the wrong account from my reporting. They removed my current auto loan from my finance company and my score dropped. I have documents and invoice statements and I need it readded and corrected, as well as my finance company has not reported on my XXXX report since XXXX of last year. Im trying to buy a hous and move forward from my bankruptcy but unfortunately can not due to this issue and most creditors and lenders look at XXXX first
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Dear Sir/Madam, I am writing to file a formal complaint against Pennymac Loan Servicing regarding the misinformation and harmful impacts of the COVID relief program I was placed in.

In 2020, when I lost my job due to the pandemic, Pennymac represented that they could place my payments at the end of my loan while I got back on my feet. They stated we would resume normal payments once I found new employment. Relying on this representation, I agreed to their COVID relief program.

However, Pennymac then forced me into a loan modification without fully explaining the terms. They added {$140000.00} to my principal balance and increased my monthly payment by over {$500.00} while extending my loan term from XXXX months to XXXX months. My escrow was also raised by {$12000.00} without cause or explanation. 

As a result of Pennymacs misleading advice and actions, I have found myself in potential foreclosure XXXX times in the past XXXX years. The immense stress has taken its toll on my mental health and that of my daughters as well, as we have lived in constant fear of becoming homeless due to Pennymacs mishandling of my loan. I am now facing another foreclosure threat, as Pennymac is demanding I pay nearly {$9000.00} by XX/XX/XXXX due to another one of their internal issues that I had no part in causing. Enough is enough.

Pennymacs actions represent predatory and unethical business practices. They lured me into their COVID program under false pretenses and have essentially stolen my equity and financial future. No company should be allowed to profit so greatly from a customers hardship and misplaced trust during a crisis.

I am requesting a full investigation into Pennymac and action to remedy this wrong. Their actions should not be without consequences. I ask for assistance in reducing my loan balance to the original principal and reinstate reasonable terms, as continuing under this modification will lead to future financial ruin. 

Your prompt attention is greatly appreciated.
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (MS)

I have called and sent letters stating this was fraud, they even had a different mailing address, after I gave them my information with mailing address that Ive had over 30 years, they are sending the bill to me
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

In XX/XX/2020, I received a Citibank promotion mail that offers me a {$500.00} bonus for opening a new checking account with Citibank. The promotions states that by opening a Citibank checking account and deposit {$15000.00} within 30 days of account opening and maintain that balance for over 60 days to be eligible for the {$500.00} bonus. I decided to take this offer and I opened the Citibank checking account around mid XX/XX/2020, and made a deposit of {$15000.00} on XX/XX/2020. I waited for 3 months, and when I check my account, I don't see the {$500.00} bonus, so I called Citibank customer service. A representative told me that the 3 months period is to meet the requirement for the bonus, but it takes at maximum another 3 months for the bonus to deposit into the checking account. Therefore, I waited another 3 months, and when I decided to check the account again on XX/XX/2020, I still don't see the {$500.00} bonus. I called Citibank again, and another representative told me that normally I should have received that bonus on XXXX, but she went ahead and opened a dispute for me and told me I should called back in a week if I don't get contacted. I waited another week, and Citibank did not call me, so I called them again. This time, the representative told me the investigation has concluded, and I am ineligible to get the account bonus. She did not tell me the reason why I am ineligible, she just said a letter has send out and that letter will explain to me the reason. I have yet to received the letter but I am very frustrated that Citibank has not honored the promotion as advertised and even if I am indeed ineligible, they made no effort to inform me in the first 3 months, and instead just told me to wait for another 3 months and keep maintaining that much money in the account.
Consumer complaint received 2021-01-06
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)

I have provided several times proof of incarceration to XXXX & Equifax and also the creditors, to show I was XXXX  during the time these accounts were established. 

Please see the accounts reporting on my credit report XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX and also inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US Sm Bus Admin ODA
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

I have received a letter from CrossCountry Mortgage LLC dated XX/XX/XXXX. It states my hazard insurance has expired. 
Regrettably, the statement that my hazard insurance has expired is not true. No hazard policy for this property has expired since my ownership. 

Enclosed is another copy of the Declarations Page for the hazard insurance for the above property. As you can see the Declarations Page clearly states it has been in effect since XX/XX/XXXX, and will remain in effect until XX/XX/XXXX. The Mortgagee is correctly identified as CrossCountry Mortgage, LLC, and the Mortgagee 's address is correctly listed ( along with the loan number ), as the lender required in the Hazard Insurance Endorsement Letter set forth in CrossCountry Mortgage 's loan documents. ( It appears that CrossCountry Mortgage has changed the loan number since the loan closed, however, I have received no notification from CrossCountry Mortgage LLC of this change. )