davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-01
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. (CO)

I have the next situation : I received a brand new credit card from Citibank with the credit limit is {$600.00} on XXXX, XXXX. And I activated this card on the same day around XXXX XXXX. After that, I created an online account on the bank 's website. Had an issue with that ( password etc ). And when I resolve it couple days later, I found in the bank 's online account, what my brand new credit card already used by somebody else in another State. Was used {$590.00} in three days from XX/XX/XXXX to XX/XX/XXXX. And left only {$2.00}. I live in Colorado, the card was used in Georgia. In that day I opened the claim with the Bank. They started the investigation. And last Friday, on XXXX, XXXX, I received the letter from the Citi Bank. And it says, what they can not to resolve this dispute because this card has an EMV chip and, in their opinion, can not be copied or duplicated. And it was physically used in some cities in State Georgia. But I have never been in State Georgia and I worked on these dates ( XXXX XXXX ) and I have many people, who can confirm it. 
Looks like Citibank has some fraudulent scheme : They created more than one Credit Card, created one or more duplicate of my card or same Card with using my data ( my name, etc ), linked to my account and gave this duplicate or duplicates to some criminal person or people to use it in another state.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (TX)

XXXX XXXX sold a debt to XXXX XXXX who sold it to velocity investments who filed a lawsuit in XX/XX/XXXX. We had a court date set for XX/XX/XXXX. They failed to show up for court. The judge dismissed for want of prosecution. They never did provide the appropriate documentation according to Texas law on me actually owning this debt because they do not have the right documentation. The judge felt like they had plenty of time to provide evidence. The had thirty days to file a motion. They have three days left to file and havent done it yet. This should be removed from my credit report. If you cant prove I owe the debt in the court of law it should be scrubbed from my credit report.
Consumer complaint received 2022-12-15
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: GOLDMAN SACHS BANK USA (LA)

XXXX NOTIFIED ME, THRU MY REGULAR BANK CHASE, THAT A NEW CARD HAD BEEN OPENED IN MY NAME. 
THE CARD IS APPLE CARD/GS BANK. 
I DID NOT OPEN THIS. I REPORTED IT TO GOLDMAN SACS BANK AS FRAUD, AND A DISPUTE WITH XXXX REPORT # XXXX DATED XXXX XXXX. XXXX TELLS ME THIS ITEM WAS REMOVED FORM MY CREDIT REPORT. I STILL GET EMAIL NOTIFICATIONS FROM GS BANK THAT THE PAYMENT IS LATE. I WILL NEVER PAY THIS AS IT IS FRAUD.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is XXXX XXXX and I am submitting this CFPB complaint today to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent items off my Credit File. I sent a letter on XX/XX/XXXX, requesting them to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any accounts and information not later than 4 business days after XXXX XXXX. Ive already included this in my previous Complaints and I am including it again.
Consumer complaint received 2022-12-15
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. (CA)

Two purchases were made on my card after I lost this card along with my wallet including my drivers license, social security number, two XXXX  credit cards. 

I notified this company within 48 hours that my card was stolen and these purchases were not me. One was for {$6000.00} and the other {$2000.00}. I had to close my bank account because of the fraud. I have told this bank multiple times I was not involved in these purchases. It is now affecting my credit score.
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

BSI told me that if I made 4 consecutive payments that I would be approved for a loan modification. Those payments were {$5000.00} in XXXX {$4600.00} in XXXX {$4600.00} in XXXX {$4600.00} in XXXX I made all of the payments. The last one was made at the end of XXXX. 

The specialist that was assisting me from BSI confirmed on XX/XX/XXXX that all was received and that The final modification agreement will be sent in about 1 to 2 weeks. I will call you once its sent. 

That did not happen. 

On XX/XX/XXXX ( a month later ) I emailed BSI and said it has been more than 2 weeks and we have not received the final modification. Their reply was We are still waiting on the escrow analysis. It should be sometime next week. 

On XX/XX/XXXX still no modification agreement. So I emailed BSI again and asked specifically. Are we supposed to simply send in an arbitrary amount for the mortgage or were we supposed to wait on the final modification agreement ( and escrow analysis ) for the NEW/proper amount? Again we have no idea since we have not received anything and also still do not have access to our account on the website. Their reply was.. The final MOD agreement was sent via Fed ex to you yesterday. You should get them tomorrow. You need to sign and notarize and send back ASAP. 

They purposefully did not answer my question about the mortgage payments! 

I received the agreement on XX/XX/XXXX. It said I had 14 days to sign and return. ( Still no mention of a mortgage payment or the amount being due ). 

They received the SIGNED document on XX/XX/XXXX. So logistically that would mean that the modified mortgage would naturally start AFTER I signed the agreement and they received it. That is not what they are trying to do. 

They are now going backwards and saying that I am behind on the mortgage because I did not pay for XXXX or XXXX while they were trying to get the paper work together. On top of that they are now threatening to escalate the mortgage for full payment ( illogical ) if I do not get it paid in by XX/XX/XXXX ( which is less than 30 days notice ). That is completely insane! Especially since I asked ( in writing ) about what amount should I pay if any while we wait on them to get their paper work done. And I did not get an answer. 

Not to mention no one from BSI ever called me in XXXX or XXXX to say your mortgage is behind. Nor did I ever receive anything in writing saying that XXXX or XXXX was behind. 

The agreement should be effective from the date that I signed - not the date after I made the last pre-modification payment. Nothing was official at that point because I had not signed it yet. The agreement was not in effect and had not been legally solidified until I signed the final modification agreement. Therefore my payment should be applied to XXXX. And I should owe for XXXX. 

I have all correspondence in writing. 

I feel BSI is being extremely shady in their business practices and I need your outside party assistance.
Consumer complaint received 2023-03-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

To whom it may concern : This document is a request for any information on my delinquency or derogatory behavior. I would like all information to be accurately and completely reported in accordance with all established laws and standards. If there is any potential negative information, I would like it to be verified and confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the XXXX XXXX XXXX  field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate, and I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report. The below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX**** here is the tracking info of the letter USPS XXXX ( XXXX )
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I 'm on worker 's comp with my job and ask for a loan modification due to my financial hardship and the Navy Federal Credit Union kept on requesting information andI kept on supplying everything they requested. Then they denied me a loan modification because they said they did not get it in time. I 'm only 6 months behind and a want to keep and stay in my home. I 've never been late on my mortgage
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (ID)

I previously had a mortgage product with Wells Fargo. 

In XXXX of XXXX, I received letters about being enrolled in a product from XXXX that was not authorized or wanted. The letters included the name of the product and time periods that the product was in effect, along with reference numbers to match the letters to the accounts in question. 

Upon calling the XXXX number and reaching an associate with their customer care line, I provided the reference numbers. The associate asked for a call back number in case we got disconnected. I said if I provided the number, I was not agreeing to receive solicitations. She asked if she could put me on hold. 

After putting me on hold, she game back and said I was added to their 'Do Not Contact ' list, and that I would receive no further communications. 

I stopped her and said, we are talking about two things, XXXX ) my not wanting to receive solicitations in the future, and XXXX ) these letters. She said, no, it was the same thing and she could not provide details on the letter unless I had her removed the flag. 

I told her to remove it, then she shared information on resolution the product issue ( refunds and a form to go through mediation, if appropriate ). 

There are two issues here : XXXX ) The associate does not understand the very simple, 'Do No Solicit ' election where a customer can choose not to receive product offers. XXXX ) What seems like an extremely dishonest approach to resolving a past problem. The idea that I would say, 'Do Not Solicit ' to mean I was opting out of everything, including the reason I called? It's not credible that an adequately trained bank employee would accidentally conflate those two things. 

It is completely inappropriate to tie remediation of an issue, to accepting solicitation. 

The best spin is incompetence, the worst is another deceptive practice ( on top of the one that prompted the letters ).
Consumer complaint received 2022-12-15
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. (NC)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

there are fraudulent inquires on my report and i need them removed now. 
i did not give consent for these inquires listed below 1.XXXX XXXX XXXX on XX/XX/XXXX 2.XXXX XXXX on XX/XX/XXXX 3.XXXX  XXXX XXXX  XXXX on XX/XX/XXXX 4.XXXX  on XX/XX/XXXX ftc report attached below
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (CA)

My XXXX son received his final compensation from XXXX XXXX, located in XXXX XXXX XXXX, California where he worked part-time while going to high school late XXXX, in the form of a COMDATA Pay Card. 

On XX/XX/XXXX, he checked his balance using an ATM machine and was charged {$3.00}, but was unable to withdraw any funds. He tried 5 different machines on the same day and each time was charged either {$3.00} or {$3.00} for the balance inquiry ( for a total of {$20.00} ). 

He was not informed of such balance inquiry charges by his former employer or COMDATA. 

On XX/XX/XXXX, he withdrew from the card at an ATM machine and was charged {$3.00} on a {$280.00} draw. He told me about the fees and I contacted COMDATA multiple times from mid-XXXX through late XX/XX/XXXX and complained about the charges. Each time, I was told that the credit has been approved but will take 5 to 10 business days to show up on my sons account. The refund was never credited to his account.
Consumer complaint received 2023-03-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I'm looking forward that the following items will be repaired or removed ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have a set of 4 loans that were delinquent at one point but since have been resolved. the agencies are reporting the very old accounts, the middle accounts, and the new ones. the same set of accounts appears 12 times. the initial accounts are far too old to be on my report. they were last active in XXXX of 2012. I have disputed the age of these and they say they are valid. there cant be 4 accounts listed 3 times each. with one set of three being over 7 years old.
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PCR Group (TX)

My Name Is XXXX XXXX, a federally protected consumer, and I am making this complaint against ACCOUNT ADJUSTMENT BUR for committing identity theft I have never given ACCOUNT ADJUSTMENT BUR any permission to use any of my identifying information to commit mail fraud by contacting me about a alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) I am demanding a cease and desist of all illegal activity, and communication and collecting activity, of this and alleged debt until ACCOUNT ADJUSTMENT BUR can provide me with a sufficient documentary evidence that I have any legal obligation to pay them. If the this documentary evidence can not be produced and ACCOUNT ADJUSTMENT BUR continues its collections efforts, I will file for litigation for actual damages caused by ACCOUNT ADJUSTMENT BUR will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I'm going through financial hardship and I recently lost my job. Prior to losing my job I was making all my payments but in the recent months Citibank allowed purchases to go through putting me {$7000.00} in additional payments required to make a minimum payment. I am a very responsible person and have had a very good history on payments but I can not afford an additional {$7000.00} of payments
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OK)

I found a collection account that has been placed on my credit from XXXX XXXX. I requested validation of the debt because I have not received any paperwork from this company. The docs the provide show me nothing, no contract showing that I signed for this services, my name is spelled wrong on the account and it only shows one month of services. I have never had XXXX XXXX XXXX as a provider, and the paperwork they provided does nothing to show that I signed for it.
Consumer complaint received 2023-03-21
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. (MI)

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 3 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 corrected : XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2019-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I wrote a letter to TransUnion LLC on XX/XX/2019 disputing incorrect reporting about XXXX XXXX account. TransUnion then requested Proof of Address. I returned 2 forms of document showing proof of Address my driver license and a utility bill. 
On XX/XX/2019 TransUnion mailed a letter Re : Proof of Address Unacceptable-Reason # 3 ( documents provided was not a qualifying document. I am requesting help to correct this matter because TransUnion is trying to discourage me from disputing my credit report entries due to their mistake by not accepting my proof of Address. 
I also sent XXXX the same letter onXX/XX/2019 about incorrect information about my account but XXXX never responded and over 30 days have passed.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I invested with Citizens bank XX/XX/XXXX to be matured in 5years. It matured XXXX only to be told I can not be paid because they invested with XXXX. I was told to call XXXX XXXX. XXXX told me that court issued a moratorium order that restricts the processing of request for policy surrenders, transfers, loans, and withdrawals because XXXX XXXX entered into a Court-ordered rehabilitation process. .I trusted Citizens bank that was why I invested with them. I did not know about XXXX XXXX. All I knew was that I invested with Citizens bank until the maturity time everything changed. 
Your help will be highly appreciated.