davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (NY)

My name is XXXX XXXX and I ordered multiple items from XXXX on XX/XX/21 on my Citi credit card ending in XXXX XXXX for {$350.00} for an unpainted XXXX bumper and radiator cover XXXX for {$830.00} for a fully assembled XXXX bumper with sensors XXXX for {$890.00} for driver side headlight XXXX for {$910.00} for passenger side headlight I disputed both charges for the headlights XXXX and XXXX Citi essentially rejected the charges out of confusion is my guess. 

I received a letter stating I already received a refund of {$830.00} and {$100.00} which is more than the amount in the first dispute of XXXX so the investigation is " complete ''. 

This is false because the refund I received are from the other transactions I mentioned above. XXXX from the front bumper for XXXX and XXXX from a partial refund from the radiator cover for XXXX. The previous refunds has nothing to do with the driver side headlight for XXXX which is the charge I disputed ( dispute XXXX ) for it being delivered to me broken, and not as described in the XXXX listing. I provided them with a very detailed report with what was wrong like the mounting tabs being broken. I tried contacting the seller through XXXX with no response, which is why I resorted to a credit card dispute/claim only for Citi to not pay attention to my charges and reject the claim. 

For the dispute of {$910.00} ( XXXX ) which is the passenger side headlight, which came in fine at first until it rained just a day or so after having it installed, which is when I realized the entire headlight was full of water meaning the waterproof seal was damaged. also noticed the daytime running light on the bottom of the headlight wasn't lighting up all the way to the corner properly. same situation with XXXX they were unhelpful, and I couldn't get a return label or return authorization from the individual seller. the seller responded to citi with only the tracking number showing it was delivered, which is not the problem, the problem is that the headlight is leaking with water, which caused my headlight ballast and HID bulb to get damaged in the process. 

Due to Citi 's lack of research they reversed the conditional credit of XXXX because of unrelated refunds from the same merchant which is XXXX. 

As well as reversing the {$910.00} conditional credit even though the claim is still ongoing for the damaged item even though the only thing the seller responded with was the tracking number.
Consumer complaint received 2020-01-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC (NJ)

On XX/XX/2019 I called CKS Financial to discuss a debt that was owed to XXXX XXXX XXXX XXXX ( XXXX Credit Card ). That day I spoke with 4 different customer service representatives on 4 separate phone calls. I had previously called in numerous times and I was told several different answers to the same question. I was concerned with this debt being removed from my credit reports and on some occasions I was told yes, it would be deleted ( removed from all 3 credit bureaus ) after payed and then on some occasion I was told it would not be deleted. On XX/XX/2019 I was told that it would be deleted upon satisfying the debt so I decided to satisfy the debt. I was told by 2 different customer service representatives that it would be deleted once it was payed and that " they do things differently now as in, in the past, this was not an option but now it is ''. I took a leap of faith and was hoping that I was being told the truth. Now, a month later and the amount is updated to " paid '', my credit score has dropped yet again due to this company reporting on the payment and after a dispute with all 3 of the credit bureaus, it has not been removed. I feel as though this company took advantage of my willingness to satisfy the debt and took advantage of me in that moment. This company was deceitful in their tactics to collect from me. 

CKS accound ID- XXXX
Consumer complaint received 2020-01-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2020 USAA Reps informed me they could not verify me because I could not tell them the number of a card I have never had possession of which has a balance of {$200.00} I HAVE NEVER HAD THIS CARD AND CAN *NOT GET VERIFIED TO REPORT THIS TO USAA * THIS HAS NEVER BEEN IN MY POSSESSION I HAVE NO ON LINE ACCESS EITHER This card has a balance
Consumer complaint received 2020-01-17
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. (TX)

I disputed a Bankruptcy with Equifax on XX/XX/2020. They verified and sent me the results within two days. I faxed them my proof their information was not correct. I faxed them my letter from the Bankruptcy court stating they do not verify information with credit bureaus. I also enclosed my results from their third party vendor that verifies Bankruptcy. XXXX deleted the Bankruptcy as unverifiable. Since Equifax gave me my results before they uploaded my proof I know it was not verified. Also I requested a method of verification be sent as prescribed in 611 ( a ) ( 7 ). I have not received it.
Consumer complaint received 2022-02-25
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. (TX)

Equifax ignoring my repeated disputes since 2015 .Why they are taking so long to fix report, even they are not entertaining my complain at CFPB.I request CFPB to take immediate legal action against Equifax as they took 8 years to investigate fraud negative items on there report. 
I attached the XXXX XXXX XXXXXXXX letter issued to my Attorney to delete this fraud activity account and score to go over 730 as per other credit Bauru. They should look the attachment and delete all negative item within 24 Hours The XXXX XXXX Account is fraud and identity theft account and need to be deleted immediately as promise by XXXX
Consumer complaint received 2022-02-25
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 recently challenged the validity of XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Transunion they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced I asked to please DELETE this account from my credit report immediately. I have also submitted and FTC report # XXXX in XXXX and the account still remains as VERIFIED with no documentation or verification on how this account is valid.
Consumer complaint received 2018-01-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX  VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692-1692 Section 808 ( a ) AFTER FAILING TO VALIDATE DEBT FORECLOSURE CASE # XXXX XXXX COUNTY FLORIDA This complaint is to request for Sanctions against XXXX XXXX XXXX   XXXX XXXX violation and malicios activities for refusing to comply with NOTICE TO CEASE COMMUNITATION, and stop enforce security interest after failing to validate a Disputed Debt, owned by a purported TRUST called XXXX XXXX XXXX XXXX, opening a third ( 3 ) Foreclosure action at XXXX County Florida ( case # XXXX ) to defraud complainant. 

SinceXX/XX/XXXX XXXX XXXX XXXX willfully failed to disclose Notice of Verification Debt request. Exhibit 1 On XX/XX/XXXX XXXX XXXX XXXX was served with NOTICE TO CEASE COMMUNITATION and refrain to collect and enforce security interest, under Fair Debt Collection Practices Act 15 U.S.C. 1692-1692 Section 808 ( a ), though Consumer Protection Financial Bureau ( CPFB ). Exhibit 2 XXXX shall refrain to collect and enforce security interest, under Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), Unfair practices there is no present right to possession of the property claimed as collateral through an enforceable security interest In violation Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), after NOTICE TO CEASE COMMUNITATION, XXXX XXXX XXXX ( XXXX ) open a third ( 3 ) legal Action of Foreclosure case # # XXXX in the state of Florida to defraud and mislead homeowner and Justice claiming false interest on a debt, it can not validate. Exhibit 3 XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXX XXXX, AS TRUSTTE opened a lawsuit of foreclosure. The allegations set forth in the Plaintiffs complaint state that XXXX XXXX   XXXX XXXX, is the Mortgage. 

The Mortgage attachemd to the complaint as an exhibit identifies XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) as the Mortgagee, as nominee for XXXX XXXX XXXX XXXX. Exhibit 4 XXXX XXXX XXXX the movant of Lawsuit on behalf of the purported TRUST XXXX XXXX XXXX XXXX, falsely claimed it is the Note Holder to mislead justice. 

More over, XXXX XXXX XXXX have failed to disclose correct copies of the note and all allonges, endorsements, transfers, or assignments of the Promissory Note, it falsely claimed to have ownership. 

XXXX XXXX XXXX commited not just violation of Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), but FRAUD AND EXTORTION to defraud homeowner. 

We ask Consumer Finanacial Protection Beureaus action to refer XXXX XXXX XXXX criminal activities to proper venue for Sanctions and order to withdraw all malicious prosection of foreclosure to steal XXXX XXXX property.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I had a Credit Card with XXXX XXXX and XXXX through Commenity Bank. I paid what I thought was my balance in full of {$30.00}. Then they charged me a {$2.00} interest fee in XXXX, which I was unaware of. Therefore I received a late fee of {$2.00}, and another interest charge of {$2.00}. I went ahead and paid the balance on XX/XX/2023. However, they told me I was going to receive another late fee of {$6.00}. So now, I have to pay that as well because I paid the bill on XX/XX/2023 instead of XX/XX/2023 when I thought my bill was paid in full back in XXXX.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Back around XXXX. I had funds left over from my employee since I was retired. It was in my checking account for Wells Fargo bank and I had this account since XXXX. So I was under the impression that myself being a loyal customer and I was always reminded of this, I figured that would give myself a little leeway to my account. So to protect myself I had opened up two more account and just to be safe. Well. I wasn't aware that I was going to get scammed but I told the bank official and I guess with the new XXXX things change. Without warning they closed my account didn't call but mailed me letters after the fact.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I had been looking at used cars on the XXXX XXXX  on XX/XX/year>. I had sent a message to the XXXX  post about a used car and was told information about it and asked about where I could see it and then I was told it was a car dealership I had denied wanting any further service as I was not looking to use a dealership. I made this well known and then left a message. Then I received calls from an auto-simple but it would only ring one or two times and just hang up. Then I received a flyer in the mail on XXXX from XXXX stating my personal credit information. I reached out to the store on XXXX XXXX. here in XXXX, TN. I spoke to XXXX XXXX the manager of the store about the flyer he asked that I email him a picture of the flyer which I did and he said it was something they send out to all neighborhoods. However, upon checking my credit I noticed a hard inquiry from XXXX XXXX on XX/XX/year> without my permission this manager lied to me and sent me an email saying something about an IP address and now says someone at my address gave the information but is refusing to show me proof that I requested my credit be pulled. He hangs up on me when I call or try to inquire about why I have a hard inquiry on my credit that I did not approve. He lied about the flyer as I went to my community meeting and neighbors to make sure if anyone else got a flyer and no one got one. This company pulled my info without my permission and I did not give them any information but my name on XXXX. I have not requested their services and when I called the same manager I told I was recording the conversation and he kept hanging up. he refuses to show any consent to my info being used or how it was obtained.
Consumer complaint received 2020-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX utilizes XXXX  which is a correspondent of Regions Bank, N.A. We were approved through XXXX in order to finance the project. XXXX sent a Truth in Lending disclosing the amount approved which was XXXX Upon completion of the project, XXXX sent XXXX a bill for the completed project of XXXX. XXXX never redisclosed for the amount of the completed project which was the actual amount borrowed. Instead, they starting sending out a bill for simple interest. Never re-disclosing what the payments would be after the loan recast for the correct amount. I know the regs are different for every state and maybe they didn't have to send out a Truth-in-Lending with the correct figures. Maybe this time, it slipped through the cracks ; however, all the cracks were filled with the New Regs. Reg Z, X and Dodd Frank. I thought Lenders were operating above board. Regions can't claim ignorance in this and any case.
Consumer complaint received 2022-02-25
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. (GA)

It saddens me that I have account ( s ) on my credit report that are illegally being reported hence withholding me from seeking new lines of credit. Experian, XXXX, XXXX and the original creditors are BREAKING THE LAW. I have disputed these alleged accounts with Experian, XXXX XXXX on -- -- -- -- -. The account ( s ) from XXXX XXXX with the account number ( s ) XXXX & XXXX.The account from XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with the account number XXXX which is reporting on my Experian and XXXX need to be removed. Experian, XXXX, & XXXX are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave Experian, XXXX, or XXXX any written consent to report anything on my consumer report. No consent is in fact identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave Experian, XXXX, or XXXX any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see a affidavit singed by a, Experian, XXXX, or XXXX supervisor or executive detailing where I gave them written consent to transfer my identification!!!! You have violated U.S. Code 1028A. I have tried endlessly to remove these accounts with the credit bureau and creditor they have failed to remove the information they illegally furnished. Sadly, I will have no choice but to stop extending my credit report to anyone if this can not be resolved. I know my rights.
Consumer complaint received 2022-02-25
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. (NC)

Dear Sirs ; I was questioning a closed account reporting as a charge off. I pointed out a few of the mistakes in their reporting. By law if something is reported incorrectly that item should be removed from the report. Experian did not do that. Experian took the information I was pointing out and fixed the credit listing to reflect the correct information that I was questioning. I might not know all the rules of credit reporting but that looks illegal to me. I was under the thought that incorrect information lead to the removal from your report. XXXX used my own information against me and called it a update.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On today XX/XX/2020 I received a letter from Portfolio Associates Recovery , LLC alleging that I owe {$820.00} to XXXX XXXX  ( XXXX is the supposed Merchant ). I've NEVER had an account with XXXX XXXX, therefore I don't owe anything. Portolio Associates Recovery, LLC has not provided proof that they are authorized to collected this alleged debt or documentation that bears my signature. This debt claim is erroneous.
Consumer complaint received 2024-03-16
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. (PA)

I am a victim of identity theft and I had filled out an identity theft report to remove the accounts in attached dispute letter. I have never authorized or consented this information to be on my consumer report therefore it is identity theft.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

ON XXXX XXXX. I RECEIVED MY CREDIT REPORT FROM XXXX AND IN THE SUMMARY REPORT SHOW THE DIFFERENT ITEMS FROM XXXX XXXX XXXX, EXPERAIN CREDIT BUREAU, XXXX XXXX XXXX XXXX. 
UNDER 15 U.S. CODE 1681CONGRESSIONAL FINGS AND STATEMENT. CLEARLY WITH THE SUMMARY ENCLOSED YOU WILL SEE THE DIFFERENT BALANCE FROM ALL THRE CREDIT BUREAUS. 15 U.S. CODE 1681-2- RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWSOR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INACCURATE. A SUMMARY OF MY RIGHTS UNDER THE FAIR CREDIT REPORT 9IMOSES RESPONSIBILITIES ON ALL FPERSON WHO FURISH INFORMATION TO CONSUMER REPORTING VIOLATION OF 15 U. S. CODE 1681 THE INACCOURATE INFORMATION HAS IMPACTED MY CREDIT REPORT THAT I CAN NOT APLY FOR ANY CREDIT CARD. THE FALSE REORTING FROM XXXX XXXX, EXPERIAN AND XXXX HAS AFFECTED MY CEDIT REPORT WHICH HAS CONSEQUENCES OF ERRONEOUS ENTIREIES ON MY CREDIT REPORT IS MISLEADING UNDER ( FCRA ). THIS INACCURATE REPORTING IS AFFECTING MY EMPLOYMENT OPPORTUNTIES OF GETTING HIRED FOR BETTER POSITIONS.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I Am not able to see my credit score. Before I was using XXXX but due to some reasons or mistakes committed by my bank I am unable to see my score. then I changed my bank to XXXX but still it shows my XXXX credit score. I do not agree with this if I use my credit card I try to pay my bills on time so that I can maintain a good credit score. when I opened my account in XXXX, the employee over there checked my credit bureau report which showed me some addresses in XXXX that I don't know or I have never visited there, and one MasterCard of XXXX XXXX is issued under my name worth {$86.00} or {$93.00}, but I have never made any MasterCard or never visited XXXX XXXX till date. Please help me to maintain my good credit score because it's really important to me. 
thanks
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

First of all the complaint is against XXXX XXXX Bank the owners of my mortgage and the service companies we had to go thru like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and many more! From XXXX to XXXX have had to file bankruptcy XXXX  times over the years. And still in bankruptcy since XXXX until present and will not be done with XXXX  XXXX in XX/XX/XXXX. I have so much information and documents to prove that XXXX XXXX has lied, promised, charge fees, robo signed, cause my family to file bankruptcy XXXX  times and still in XXXX  XXXX currently, been harassed, had to sign incomplete documents requested by XXXX XXXX to complete a modification agreement and the fees were higher than agreed apond. XXXX XXXX sold our house at auction and we were in XXXX  XXXX the court had to reverse the sale and the buyer came to evict us while under Automatic stay protection. We had to file another XXXX  XXXX on top of our existing XXXX  XXXX due to attorneys being fired by the court and we had to hire another attorney .We have been fighting XXXX XXXX XXXX XXXX and had XXXX modification and tricked into signing document that they new we couldnt afford. I have documents for days regarding XXXX XXXX violations against us and the dealings with XXXX XXXX have caused me and my family emotional distress and health problems and finance hardship, embarrassment,