davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX, while on the phone with customer service rep XXXX. from Citibank N.A., I was offered the ability to be included into a short term rewards program. After listening to the disclosures I agreed to be included. The program is set to last for 6 months, from XX/XX/XXXX until XX/XX/XXXX where I am to receive 3 % back on 'ALL PURCHASES '. After receiving several monthly statements since the rewards program inception, I soon noticed the 3 % rewards did not coincide with my spending. Therefore, on XX/XX/XXXX I called Citibank N.A. to inquire as to the reasons for the discrepancy. On that call, similar to the previous call, I was told by the rep that I would receive 3 % back on 'ALL PURCHASES '. I pushed her on the details and asked if that meant bill payments for utility, cell phone, etc and she countered with 'ALL PURCHASES ( where the card is present ) '. This means NOT ALL PURCHASES! These Citibank reps are totally misrepresenting the terms of this rewards program and are deceiving consumers like myself. As a result of being included into this rewards program, I have diverted my spending on a consumer credit card that pays 1.5 % back on 'ALL PURCHASES ' just to start using my Citibank card to receive 3 % back on NOT ALL PURCHASES. This has forced me to forgo hundreds of dollars in rewards for such purchases as hotel/car rentals as well as all XXXX purchases made XXXX XXXX. I respectfully request the phone calls from both dates listed above ( XX/XX/XXXX and XX/XX/XXXX ) be pulled to confirm the merits of this complaint.
Consumer complaint received 2021-07-31
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (WI)

On XX/XX/2021 at XXXX, I sent a debt verification letter, via USPS certified mail, to Medicredit , Inc . The letter asked to cease communication in this manor : " If you have good reason to believe that I am responsible for this debt, mail me the documents verifying the debt is mine. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' On XX/XX/2021 at XXXX XXXX, the letter was delivered to Medicredit , Inc . 

On XX/XX/XXXX, Medicredict, Inc sent a letter acknowledging I disputed the debt and they were investigating the matter. They asked that I call them to provide additional information and threatened that if I didn't call them, the debt would be considered mine. The letter also had " Payment Options, '' but did not require payment. This seems that they are still trying to actively collect this debt without proof. In the letter, no where did it verify the debt was mine and there were no documents from the original creditor showing this debt was mine or was outstanding. 

This is why I filed a complaint. The only communication I wanted was verification that the debt was mine and that they cease all other communication. Medicredit contacted me and verification was not provided.
Consumer complaint received 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (CA)

XX/XX/28 Request was sent for student loan refund. I was told processing wait would be 10-14 weeks. Have not received any refund or change in balances on Aidvantage loan servicing.
Consumer complaint received 2023-04-26
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

UNAUTHORIZED CHARGE ON XX/XX/23 FOR {$5700.00} AND DISCOVER IS NOT ASSISTING ON THIS FRAUD CHARGE- I CALLED THEIR CUSTOMER SERVICE AND FRAUD DEPARTMENT AND GET THE RUN AROUND- HAVE BEEN HUNG UP ON 4 TIMES- I NEED THIS RESOLVED NOW.
Consumer complaint received 2023-07-05
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. (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Some of my accounts were closed unfairly and till today some of my money hasn't been returned to me. I feel i was being discriminately stereotyped. I have proof of my business partner sending me checks to buy materials for the renovations of the properties we were paid to do, When the first check came in on the XXXX of XX/XX/year>. My account was frozen, i went to the bank countless of times, i demanded answers from them, i was told to contact my business partner to contact them. He did contact them and sent all the proof to show that the money was sent by him, Hence, they refused to release the money, they closed my account, and they told me that they don't have my money with them. I contacted my business partner to ask if they had returned the money to him, he said no. I feel the bank cheated me and also closed my account unfairly. 

My other account was also closed because of another check that was sent to me on XXXX of XX/XX/year>. The bank manager told me the check bounced. I told my business partner about it ; he went to his bank to get a proof that the payment went through. On getting the proof, i took all the proof and confirmation from his bank to my bank, when i got there, they couldn't deny that they didn't have my money with them anymore, they wrote me a cashier 's check and my account was closed same day because i confronted them that they wanted to steal my money. 

I have series of events that my account has been closed because these people look down on me and they feel that i can have such money in my account. I have been abused mentally, whenever money comes into my account, it gets frozen and they ask me to come with proof, whenever i bring the proof, they still won't give me my money, upon that, they will close my account. I wish and hope this whole thing can get fixed soon. 


I'm going to attach the copies of the checks, letter of confirmation from my business partner 's bank to confirm that the monies were debited from his account. Only one of the banks released the money that was meant for the building materials, the other bank still has the money with them, and they have closed my account.
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage was transferred from XXXX to Shellpoint Mortgage Servicing and it has been one issue after another. They called asking for a XX/XX/2023 payment when the RESPA letter indicates all payments beginning XX/XX/2023 are due to them. I had already paid my XX/XX/2023 payment early to XXXX on XX/XX/2023. I told them they needed to ensure the data transfer of the payment due date was corrected. It was out on me to prove I had made the payment. I then sent in proof of payment to their XXXX so they could research it. Naturally, I never heard back from anyone. Now I am going on 20 days since the serving transfer and still have no access to my online account with them for payment processing or account review. They have continued to tell me each time to call back if I still cant access in the next 2 to 3 days and now 20days later, nothing. Shellpoint Mortgage a division of Newrez should be contacted by the bureau immediately and resolution demanded on my behalf as it appears that since I have a XXXX hard Prepayment Penalty they will just treat me like XXXX as what choice to I have but to stay with them.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (SC)

I called Jefferson Capital Syst XX/XX/2024 to discuss a Derogatory Account that was placed on my credit XX/XX/2024. After waiting 30 minutes on the phone XXXX answered. He alerted me that this conversation is being recorded, he read me the collect debit memorandum, and then ask me the reason for my call. I explained to him that Jefferson Capital placed an account that shouldn't be there. He then asked for my date of birth I complied. XXXX then informs me that they don't have an account like that with my name attached to my birthday, I explained that you're correct it's not mine. Apparently, he could no longer help me, and it seems that because he couldn't find it, he was lost, and had no clue as to how to help me. 

Derogatory marks XXXX XXXX collections / XXXX public records Fair Rating High Impact Learn more about ratings Based on your credit report information from XXXX on XX/XX/2024. 
We noticed negative marks on your report Derogatory marks generally stay on your report for XXXX years, but their effects can start to fade over time. 
Karma Pro Tip The federal Consumer Financial Protection Bureau has excellent resources for dealing with debt collection. 
Collections JEFFERSON CAPITAL SYSTEM Opened XXXX {$1000.00}
Consumer complaint received 2022-12-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FULTON FINANCIAL CORPORATION (VA)

To be clear this problem also included the second option " Closing '' on a XXXX XXXX XXXX. I apologize for the length, but the issue is vast. 

Before I went to closing on my Refinance ( that I was approved for ) I noticed the Principal amount of my Property was incorrect ( $ XXXX ) and I refused to sign the Refinance agreement stating the information was incorrect and directed the Loan Officer to fix the issue. The Principal amount was supposed to be closer to {$34000.00} ( because I always added extra money to each monthly payment to reduce principal ) That was on XX/XX/2022. The Loan Expired on XX/XX/2022, and the Loan Officer had not resolved the issue or reported back to me progress on my complaint or created an extension on my loan expiration due to a complaint in progress. The loan has since expired and the Bank is starting Foreclosure papers with out even addressing the current Complaint I created in XXXX. The complaint is over 60 days old and well past all FTC regulations to resolve and remediate of 30 days. I have called many times to get status updates and receive no answer. I leave messages and receive no return call back. Because of this, I have filed a " Notice of Error '' with Fulton Bank as of XX/XX/2022 and have requested answers within 10 business days. 

Problems : XXXX. The principal amount that has been paid to date has been recorded incorrectly by the Bank. In XXXX of XXXX my Principal Amount was {$34000.00} and when I asked for my total before signing they said it was ~ {$35000.00}, and the XXXX XXXX says {$34000.00}. However, from the Months of XXXX to XXXX I paid more than double the statement amount each month, meaning that both figures provided by the Bank were incorrect. Furthermore, you can review the Past Payment breakdown and Activity charts on the statement and clearly see that Fulton Bank DID NOT apply the extra amount to my principal and applied it to the interest payment instead. XXXX. XXXX amount = {$120.00}, I paid {$250.00}. Fulton Bank applied only $ XXXX to Principal, instead of {$130.00}. ( I paid {$250.00} because I was not receiving my monthly statements, but knew the amount since it was an interest only loan, and I always added more to reduce Principal amount ) XXXX. Reg Z violation - I have not received a Monthly Statement since XX/XX/2022. I moved, updated my address and have not received a monthly statement since that date. This also explains why I did not notice the above problem earlier. 
XXXX. Foreclosure letters process has begun without addressing original complaint. Loan was not put on hold or an extension due to a complaint in progress by the Loan Officer or the Bank agent working the complaint. 
XXXX. I have called multiple times since XX/XX/2022 to get progress updates with no answers. I have left messages with the Bank Managers and they have never responded to me. Fulton Bank IS NOT responding to my requests for complaint status and remediation timelines!
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

Frost bank called and informed me of a banking account that was opened fraudulently. I have a credit freeze on all 3 credit bureauxs and this last week I lifted the freeze because me and my husband are applying for a loan for an RV. I received an email from frost bank stating an account was opened and I thought it was spam so I didnt look into it further. I received the phone call today from frost bank. I was told the account was opened using all of my information including social. I am concerned about this because when I lived in XXXX, Tx my car was stolen along with my identity a police report was filed but Im not sure if they found the people and I never got my stuff back. I had left my wallet in the car so my social and drivers license and passport were all in the car when it was stolen. This happened in XXXX of 2018. The banker said they used my XXXX address to open the account. I am concerned that the people who opened the account are the people who stole my car. The banker encouraged me to file this report. The account opened was not opened by me.
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (KY)

I purchased a vanilla one prepaid card from XXXX in the amount of XXXX dollars. A couple of hours after purchasing I noticed four purchases that I dont authorized nor make in the amounts of XXXX, XXXX, XXXX, and XXXX dollars. I immediately phone vanilla one about these transactions and they did cancel the card. I also reached out to where to the company where these unauthorized charges was made and they was very helpful and attentive. They communicated with me in a timely manner, unlike one vanilla, and they told me since this was a prepaid card I need to contact one vanilla. Ive have called and emailed them several times, which is documented, about my dispute of XXXX dollars. I still have the receipt and packaging of proof of purchase.
Consumer complaint received 2021-12-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Byrider Franchising, LLC (CO)

On XXXX XXXX I signed a loan with CNAC XXXX for a car loan - later on this car was totaled - we fought the company on paying off the remainder of the car loan ( {$5100.00} ) - the car company ( JD BYRYDER claimed we did not pay for GAP insurance even though this payment was collected at the time of signing the car loan. This company never budged on paying for the car so we initially took a hit and stopped paying on the loan- which caused this account to be closed and wrote off as a bad debt for the remaining balance on XXXX XXXX ( {$5100.00} ). This account should have then fell into collections. IT DID NOT. INSTEAD, it looks like a new loan was opened Fraudulently, without my knowledge on XXXX XXXX for the balance of {$5100.00} AS A NEW LOAN through XXXX XXXX XXXX. This account was then closed XXXX XXXX for the same balance ( {$5100.00} ) because no payments were being made as I was unaware of the account being opened in my name under my social security number. There is now a collection agency attorney trying to collect this debt from me via XXXX XXXX XXXX which is the account that was opened as a new loan without my knowledge or permission. This collection agency is XXXX family members of mine at their permanent address which I do not reside at ( most recent was XXXX XXXXXXXX XXXX XXXX XXXX ) - not acceptable. I need this reviewed and taken off my report as it was opened fraudulently. 

CNAC XXXX IS THE ONLY ACCOUNT I GAVE PERMISSION TO USE MY PERSONAL INFORMATION FOR A LOAN. Which should now be in collections. 

MERCHANTS FINANCE DID NOT HAVE MY PERMISSION OR ACKNOWLEDGMENT TO OPEN A NEW LOAN ACCOUNT FOR THE BALANCE OWED TO CNAC.
Consumer complaint received 2021-01-12
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. (CA)

I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX XXXX ( Opened XX/XX/2015 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (DE)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$650.00}
Consumer complaint received 2021-12-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect