davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has been sending me collection notices for XXXX different accounts in the amounts of XXXX, XXXX, & XXXX. These collections has been reported as past due balance. I do not know this company. I have never done any business with this company. I have sent several debt validation letters to this company and requested a contract with my wet signature on it to be sent to me to me and they have failed to do so every time. The accounts were removed from my credit report on XX/XX/XXXX then re-added several days later without any notice to me.
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX: Purchased Home - established with CitiMortgage Refinance a few times to go with interest rate. Most current rate is 6.25 %, fixed 30 year. HELOC also was 4.75 %. 
Payments from ACH - acct established with Mortgage set up, HELOC was EZ PAY from same acct. 
Business losses starting in XX/XX/XXXX/XX/XX/XXXX - XXXX 's income dropped significantly, Business closed door XX/XX/XXXX. Chapter 13 BK filed for business in XX/XX/XXXX. 
XX/XX/XXXX : ACH - EZ Pay cancelled by Citibank due to BK status XX/XX/XXXX : ACH - EZ Pay re-established by Citibank and XXXX XXXX for automatic payments again. Payments continued to be withdrawn and credited with no issues until end ofXX/XX/XXXX XX/XX/XXXX : Citibank accepts letter from Attorney giving permission to Citi to deal direct with XXXX XXXX to modify mortgageXX/XX/XXXX : Citibank starts submittal process and assigns point of contactXX/XX/XXXX thruXX/XX/XXXX : Citibank starts with first Mortgage change - sends 6 notifications to court and attornies about payment changesXX/XX/XXXX : Citibank takes and credits mortgage payment, but not HELOC - branches can not take payment, modification team can not take payment, BK dept very difficult to reach. No notification from Citibank that they have not applied payment This went on every month throughXX/XX/XXXX. 
XX/XX/XXXX : Citibank filed motion to relieve stay so they could foreclose. 
XX/XX/XXXX : XXXX forced BK dept to take and credit payments - money was always there. 
BK dept established Suspense account since they did n't know where to credit payments - {$5200.00} to first, {$10000.00} to HELOC suspense. 
XX/XX/XXXX : Citibank withdrew Motion to Relieve Stay after XXXX XXXX  attorney contacted them and challenged their actionsXX/XX/XXXX : This morning on the phone Citbank told me they had decided to deny the modification. I have asked for this in writing with a copy to the BK Trustee and my attorney.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/19 I tried pplied for a loan and was advised by the company that I applied with that they were going to have to rescind the offer based on the fact that mortgage was is reflected as two monts past due on my transunion credit report. I called the mortggage company and was not offered any help or a solution to remove the information and the adverse result on my application decsion.
Consumer complaint received 2024-06-03
Product: Credit 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)

CitiBank double cash credit card had multiple fraud charges made on it from XXXX XXXX XXXX XXXX} and {$110.00} were not taken off, but two fraud charges were from the same place. 
I got alerted right away and on that same day, XX/XX/XXXX, I contacted CitiBank and they closed the credit card down and sent me a new card ( s ) immediately. Upon my new card account being opened, I saw that two of the fraudulent charges were transferred to my new account from my old. I have called four times to get this fixed, being told that the charges would be taken off because of the fraud. 
TODAY, I get on the account again, and I read on the fraud charges that the dispute has been resolved and I am responsible for the charges. I called AGAIN stating that this was FRAUD from XX/XX/XXXX and why am I responsible. I told their fraud department that there were TWO charges for a supermarket and one was taken off, but not the other. 
They still have not taken the charges of my card, even though I received my new cards today. BOTH of my old credit card physical cards were in our home in upstate NY when these fraudulent charges on the XXXX XXXX happened. I seem to be running in circles with this bank on getting these fraud charges reversed, even though they claim 100 % fraud protection liability. 
Thank You XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (IN)

My XXXX credit card ending in XXXX is showing an opening status on my credit reports. I called the automated system weeks prior to close my account yet the open-status remains on my credit reports.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

On XX/XX/19 I tried pplied for a loan and was advised by the company that I applied with that they were going to have to rescind the offer based on the fact that mortgage was is reflected as two monts past due on my transunion credit report. I called the mortggage company and was not offered any help or a solution to remove the information and the adverse result on my application decsion.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 correct :
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account number XXXX, XXXX XXXX XXXX Account number 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 a account without my written instructions
Consumer complaint received 2019-07-10
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: LEXISNEXIS (IL)

XXXX XXXX declined my car loan app in XX/XX/XXXX. They list the principal reasons for credit denial as follows : Income insufficient to meet credit obligation - ( I make XXXX per year ) LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX - I have owned this home since XX/XX/XXXX XXXX XXXX   specifically lists LexisNexis as the agency providing them with info that influenced their decision to reject my application : " We also obtained your credit score from LexisNexis Risk Solutions Inc. and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 
Your credit score : XXXX Date : XX/XX/XXXX Scores range from a low of 500 to a high of 900 Key factors that adversely affected your credit score : Eviction record found Lien/Judgement record found Number of inquiries in the last 12 months Number of sources confirming identity and current address '' I waited 30 days to receive Lexis Nexis full report that I could only request by USPS mail. I disputed the incorrect info ( by email ) and waited another 30 days for a response by snail mail only to find the damaging and incorrect data that Lexis Nexis is reporting will remain on my credit report even though I supplied numerous documents proving it is incorrect. I have attached all communication AND evidence proving they are damaging my creditworthiness and preventing me from obtaining credit! They should be sued for the damage they are recklessly causing.
Consumer complaint received 2022-04-12
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, my debit card was declined. I called Wells Fargo and was told a notice of death hold was placed on my account and I needed to contact the estate care center. I called the estate care center on XX/XX/XXXX since they were closed over the weekend and was told I needed to go to the bank and sign a certification of life form. On XX/XX/XXXX I went to Wells Fargo in XXXX pa. I signed the proof of life form and the lady at the bank called the estate care center. The XXXX XXXX XXXX said they would investigate the matter and removed the hold from my account. On XX/XX/XXXX I began receiving emails from experian stating my social security number belongs to a deceased person and I now no longer have a credit score. I checked my credit reports and I have no credit scores for any of the credit bureaus. As of now, The only company reporting me dead to the credit bureaus is Wells Fargo. I received another email stating that a change was made to my credit file, the change was that I am deceased and the company is XXXX XXXX ( which is Wells Fargo XXXX XXXX XXXX  ). On XX/XX/XXXX I went back to Wells Fargo and spoke to the same very nice young lady as previously. She called the estate care center again and they told her they couldnt provide me with any information. I wanted to know who reported me dead to Wells Fargo or if this was a mistake made solely by Wells Fargo, estate center couldnt give me any information, they said they will investigate and they dont provide this kind of information to customers. I then called social security administration and on their end Im not dead. I need to know who caused this so I know who to pursue legal action against. This is causing a tremendous amount of stress to my life. I am concerned this will affect me in other ways.
Consumer complaint received 2023-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CO)

Hello, I have Requested That this Collection Company several times please stop Harrassment And please stop calling me and sending me Letters in my mailbox. I have Already contacted my Creditors All 3 and have had this Company stopped from Attempting to take Money from me over matters that Have been long past statute of limitations and This Jefferson Capital Attempted to Lure me into Payments that have been settled And long past paid wrote off. Unfortunately this particular company Would refuse to Tell me who they were and what they were trying to collect from me As I was concerned in regards to Many stories of Credit theft and identity theft, I immediately contacted the creditors XXXX, XXXX and XXXX to Have this company Be Removed due to Shady and misinformation and lack of any Information in regards to The debt they were harassing me about. ALL THREE Creditors Have Long ago Concluded ans closes this Company and is Nolonger on my reports and has not been for some time. I have asked this company several times to STOP calling me texting me and mailing me as I am XXXX and I have a very aggressive form of XXXX XXXX and with XXXX XXXX  XXXX The XXXX Causes me to XXXX XXXX XXXX I currently am taking XXXX at the XXXX center and this XXXX has gotten me absolutely XXXX my neurologist has already had to write letters in regards to other situations that they Be XXXX free environments that contribute to more XXXX XXXX. At this point I am Going to fike a law suite for This due to their absolute careless Concern for My health as I've already had discussions about with this company. Please help me to end this harassment that has gotten extremely out of hand at the hands of this Jefferson Capital. Thankyou for your time and effort in regards to my situation with this overwhelming harassing company Jefferson Capital.
Consumer complaint received 2024-05-29
Product: Credit 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: JPMORGAN CHASE & CO. (NV)

I had made XXXX purchases at an auction and the items purchased were not worth what their appraisals stated. I disputed these transactions through my credit card ( Chase Freedom ), but Chase refused to help me stating that the charges were not disputable because : 1 ) i willingly gave the auction my credit card, 2 ) the charges were not done by someone else. So, I located the auction house and threatened litigation, among other things, and a rep flew to XXXX XXXX on XX/XX/XXXX and refunded my money ( {$8300.00} ) WITHOUT any help from Chase. I called Chase on on XX/XX/XXXX to confirm the refund was credited, and Chase confirmed that it was. Chase told me I had to wait for the credit to post and then it would take XXXX days to receive a refund check ( since I had already paid off the original charge of {$8300.00} ). I called Chase on XX/XX/XXXX and confirmed the refund/credit had posted, and I requested a refund check. NEVER was I told that if there were any charges after XX/XX/XXXX, that Chase could arbitrarily decide to subtract ALL of those charges and refund me the difference, but that's exactly what Chase did. I had made some additional charges on the card AFTER XX/XX/XXXX, and those charges were due XX/XX/XXXX. On XX/XX/XXXX, Chase ordered the refund check, deducted ALL of the current charges in the amount of {$3700.00}, and sent me the difference in the amount of {$4600.00}. AGAIN, the charges of {$3700.00} were NOT due until XX/XX/XXXX. 

I believe it is not Chase 's decision to make when I decide to pay the charges on my account ( which again weren't even due until XX/XX/XXXX ). AND, it is not Chase 's decision on whether or not they can take the FULL amount of the charges of {$3700.00}. I could have made payments on those charges if I wanted to because it is my card. 

The account was in good standing, it was not closed, and if I decided to pay minimum payments on the {$3700.00}, that would be MY decision, NOT Chase 's. 

This has to be illegal. Chase can not make that decision for me! I received a telephone call from Chase and a follow up letter stating that they sent me the refund balance of {$4600.00} instead of the {$8300.00} because there were charges made after the refund/credit from the auction posted to my account..
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TN)

I have sent you guys my Identity theft report according to my certified letter receipt you guys received this letter on XXXX XXXX, 2022. I have not received any proof that this lease agreement is mine. You guys have not sent me any Signed XXXX agreement nor have you proven that this debt is in fact mine! I demand this be removed immediately!
Consumer complaint received 2024-01-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

IC SYSTEM ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account claims was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-04-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I had a second mortgage through Specialized loan service ( SLS ). The loan matured on XX/XX/XXXX. I didn't realize at the time and the regular automatic payment was made on XX/XX/XXXX, initiated by SLS. Towards the end of XXXX I was contacted by a SLS representative and she explained that the loan had matured on XX/XX/XXXX and they would need the loan balance paid off and that they should not have taken the automatic payment. I asked if I could refinance the loan with SLS and they said I could and they would send a packet in the mail with more information. At this time I was told that I had 60 days to complete the loan process. I said okay and awaited the loan packet. The packet arrived a couple weeks later and it indicated I could also apply online, which I did. A week or so later I was denied a refinance. I then receive a 30day late charge on my credit report. At that time I decided to take a draw from my business to pay the loan off. I had to move the funds around in my business accounts in order to fund the payment. That next Sunday I received a 60 day late mark on my credit report. I filed a better business report and proceeded to pay the entire balance through the SLS website as an ACH on Monday XX/XX/XXXX. The funds were removed from my account on XX/XX/XXXX. On XX/XX/XXXX my wife received a notice via text that the payment has been returned because it was not sent as a certified check and their website may not have stated the correct payoff amount. After doing some research, it appears that they should have reimbursed the automatic payment made on XX/XX/XXXX because as is their policy, it was not for the correct payoff amount and it was not a certified check. The XXXX payment has still not been reimbursed as of XX/XX/XXXX. All through this process I have been contacted numerous times by SLS representatives asking for the original installment payments to bring the account current. They have also all given conflicting information. I asked for a call back from a manager which I received XX/XX/XXXX. She informed me that she can't provide the correct payoff amount until Monday XX/XX/XXXX but during this time I will continue to receive late notices on my credit report. As of today XXXX XX/XX/XXXX, I have not received the payoff amount from SLS. I assume the payoff amount is going to be much larger than what it should be with their late fees and extra interest added. Please help me clear this up. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2022 someone tried to apply for online for a BoFA XXXX XXXX XXXX XXXX XXXX card. 
The person who tried to apply for the card was not able to. 
XXXX I received a letter from BoFA, dated XX/XX/2022, that in order for them to process my application I would need to lift the restriction on with XXXX and XXXX. 
My credit has been frozen with all three bureaus for almost a year now. 
I called today XX/XX/2022 and spoke to XXXX. I gave her the reference number on my letter so she was able to pull up the application. 
I advised her that this application was fraudulent and please report this to their fraud department. 
She stated that the only thing she can do is to close the account due to fraud but they do not send these to their fraud department to investigate. 
Something more has to be done about consumer fraud today!. BoFA is a huge company that needs to do more to protect the consumer. 
I would like someone to appeal to BoFA to look into this matter. 
Thank you XXXX XXXX
Consumer complaint received 2024-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IL)

I tried paying my mortgage with funds that have been sitting in my savings account for months. My available account balance reflected my full account balance. My mortgage company withdrew the requested funds. My savings account reflected that these funds were withdrawn. I then received a phone call from the savings account bank saying they wouldnt allow the transfer and were going to reverse it. When i asked why, they said they couldnt give me that information.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One Bank- In earlyXX/XX/XXXX I wanted to pay balance on my card as I do every month. I called the bank but was put on hold for 2 hours. I also emailed the bank. But received no reply. Concerned that if the card was lost or stolen I would not be able to notify Capital One I decided to close the account. 
After several days of calling I finally reached a live person & closed the account. 
OnXX/XX/XXXX I sent a check for the balance. On XX/XX/XXXX I received a statement for the balance plus interest. I called my bank & was told the check had not cleared. 
I called Capital one & ask to be connected to Fraud Division. The 1st person I spoke to disconnected me. I called back twice & was put on indefinite hold. 

I believe Capital One is holding my check in order to keep the account open & collect additional interest payments. 
I am a Senior Citizen with health issues. Capital One is causing me additional stress which is affecting my health.