davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MN)

I have been working for over 3 years on a " Loan Modification '' with CITIBank, made it to underwriting and was denied immediately and then proceeds to tease me saying " This is what we could have done for you had you qualified-a forbearance of {$55000.00}, with a 2 % interest and an interest/principal payment of {$330.00} on a balance of {>= $1,000,000} '' This is exactly what I have been working on for 3 years. I have financing available but because CITI will not comply with my request for a payoff letter honoring my payoff of $ XXXX to close out this loan that I have been paying on for over 13 years and they have me owing more than the house is worth, forcing me to pay {$500.00} for an interior inspection which was NEVER done at the time they " Granted '' me this loan and have given me a DEADLINE which I will not be able to meet and I have written to my CITIBank " Specialist '' requesting an extension to honor my ability to provide funds to close this account! I am sick and tired of how the Big Banks can have so much power over people, constantly harassing and threatening and putting so much fear into people just trying to save their houses. These Big Banks get fined Billions of dollars and they do nothing, it's just a slap on the hand for them, they continue with their corrupt and unconscionable abuse to the consumer.
Consumer complaint received 2019-06-29
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. (VA)

After an internal investigation, XXXX XXXX XXXX concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from XXXX to XXXX and Equifax requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.
Consumer complaint received 2019-06-29
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: DISCOVER BANK (VA)

After an internal investigation, Discover Financial Services concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from Discover to XXXX and XXXX requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.
Consumer complaint received 2019-06-29
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. (VA)

After an internal investigation, XXXX XXXX XXXX concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from XXXX to Experian and XXXX requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.
Consumer complaint received 2023-07-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

late this afternoon, I received a phone call from Chase verification number XXXX that someone pretending to identify as me, is still and tries to buy a car at XXXX. and they are suspicious at Chase and wanted to check I told them on the call it is not me I have never tried to buy a car in years and this is not me and its a fraudster. Chase gave me a reference XXXX for the matter and I will report this further tomorrow since its night time already but I wanted you to also investigate.
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (MO)

This company has reported to the credit bureaus false and inaccurate infortion that is damaging my credit and making me suffer along with XXXXm getting denied by landlords does not want to rent to me. This company is also violationf FCRA laws and trying to collect a debt they copies bill over a letter head paper XXXX XXXX. I have proof that this company is not registered and does not does business in the state that there trying to collected a debt in which is another violation of my consumer rights. I have asked this company and the credit bureaus to show me proof of validation that i owe this debt to this company which continues to tell the credit bureaus they verified the debt but i never signed nor done business with this company nor have i gave them consent to do anything. 

I state below that i have proof to show my statement im writing is true. I also have and FTC reoport to show that this company stole my identity and trying to collect a debt from me which is another violation.
Consumer complaint received 2022-07-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The FCRA clearly states that a consumer reporting agency must delete information from a consumer 's file after 30 days of an investigation. It has been more than 30 days and TRANSUNION has not provided me with a response to my complaint # XXXX. Also this account was not marked as disputed per 15 USC 1681b therefore should be deleted immediately. XXXX XXXXXXXX XXXX  XXXX XXXX account # - XXXX
Consumer complaint received 2019-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I called XXXX XXXX XXXX to get cable and WiFi and they never gave me services and XXXX is not even available in my area. They are trying to charge me for services I never received. Ive called 7 times and every time theyve kept me on the phone for 40 plus minutes only to hang up or disconnect the phone right before Im transferred to supervisor. I would pay the debt if it were mine. However not only did I not get services, my name is incorrect and I waited 3 weeks without services because they said they would come out. Please remove this. I do not owe it.
Consumer complaint received 2019-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I reached out to Transunion two times already to delete fraudulent accounts they manage to not delete the last one, which is a XXXX store card that is a result of identity theft.
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I received a letter of response that didnt address anything that the complaint was about. I instead received a letter that was basically an untruthful cover the company response. XXXX clearly didnt read the complaint but instead attempted to justify the lies, incorrect information, and false impersonation of your staff. On XX/XX/XXXX I called and gave my social security number so I didnt refuse to give my account number. The issue of an employee misrepresenting themselves as a manger and claiming to call me about a false investigation was never addressed. I have received several calls since XX/XX/2018 so the attempt to use something from XX/XX/2018 is a ridiculous cover up. I have called and asked for months to have the number for Credit Protection! I even had one person  tell me someone will co tact me in regards to it! XXXX the fake manager stated he was investigating the matter as he saw. The refusal and lies need to be properly addressed. I had agents state there was no credit protection and the phone call from XX/XX/XXXX is proof of that.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Items have been removed by other vendors. Transunion has been notified via certified mail ( see receipts ) and refuse action. Any assistants with this issue id greatly appreciated. 
Thanks XXXX XXXX XXXX
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.
Consumer complaint received 2019-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc. (VA)

Was called not mailed a letter by collection agency about a XXXX debt. Sent letter of dispute as had set up payments with creditor XXXX for hospital bill. 
XXXX sent me a response saying they couldnt accept payments as it was part of a lawsuit and since my lawyer requested documents for an auto accident they couldnt talk to me. 
I explained the debt with the XXXX   was not related to the accident that I wanted to pay it off. I contacted sca and they told me it was sent back to XXXX and they didnt have an account in my name. I sent letter asking for validation of debt Never received validation. Never received any letter from XXXX saying debt was going to collections. 
I want this removed from all my credit reports ASAP and for XXXX to send me a validation letter and also sca to provide me with why they didnt send a validation letter and why they said they couldnt take payments since it was involved in a car accident when it was not. 
I made payments on the XXXX   account in XXXX before this all happened and was told once they received my payment they would reset the payments and start the billing over for me to get it paid off. Then I never heard back and got a call from sca. 

This is a violation of debt collection its a violation. Not validating the debt after request and its a violation of patient rights as my medical records were sent to a third party violating hippa I want this removed from my credit report ASAP.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

A few days before XX/XX/XXXX I added my Capital One QuickSilver card ( ending XXXX ) to XXXX XXXX  on both of my personal XXXX XXXX smartphones. The installation happened seamlessly without issue in both cases, and I received no contact from Capital One accordingly. However, when I attempted to purchase {$300.00} worth of goods at a local wine shop on XX/XX/XXXX via XXXX XXXX, the transaction was declined twice. Instead of a text message to confirm my authenticity, I received a brusque email telling me to contact customer service so I needed to complete the transaction with a XXXX card instead. When I contacted Capital One at XXXX XXXX  ET on Sat XX/XX/XXXX, I was told that I must authenticate the account even though I was calling from the phone number on the account. After going back and forth with the CSR, I requested a manager. The manager refused to apologize for their conduct and demanded that I authenticate. I declined to do so. The manager then said he would be closing my account. It is unconscionable that a CSR manager would close an account on the phone with an unauthenticated customer, when said action is stated to be irrevocable. I want my Capital One card reopened ( 8+ years of spotless on-time payments ) and the manager in question to be terminated from employment at Capital One for violating my rights.
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IL)

Care Credit Account # XXXX from XX/XX/16. Please note the original debt was for {$350.00}. I attempted to resolve with the creditor. However, I was told that they would not validate the current debt amount of {$970.00}. I am disputing the difference in amount. 

Creditor refused to validate the debt or provide proof of documentation.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

On XX/XX/ I made a mobile deposit. At that time I was told that as long as the deposit was made before XXXX the funds will be available within 4 business days. On XX/XX/ I contacted Cash App to follow up because my funds were still not available. They then told me the funds would be available by the 5th business day. I contacted them again on XX/XX/23 and they told me that they have no further information on the issue and ended our correspondence.
Consumer complaint received 2019-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ME)

PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Corporate Phone Number: XXXX
Fax Number: XXXX
Email Address:XXXX  I PURCHASED A USED ENGINE FROM A COMPANY IN TEXAS. THEY USED MY CREDT CARD TO PURCHASE ($XXXX) THE ENGINE IN MICHIGAN. AND CHARGED ME $XXXX ON MY PAYPAL ACCOUNT. THE ENGINE WAS NOT THE RIGHT ONE. THE COMPANY REFUSED TO REPLACE OR REFUND MY MONEY. I FILED A COMPLAINT WITH PAYPAY UNDER THEIR BUYER PROTECTION PLAN. THEY SAID THAT THEY WOULD REFUND MY MONEY IF I RETURNED THEENGINE  TO THE ADDRESS OF RECORD THEY HAVE FOR THE MERCHANT WHICH IS IN XXXX!!!!!

PAYPAL DISPUTE #XXXX
Consumer complaint received 2024-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NJ)

On XX/XX/2023, I made an escrow payment in the amount of {$3600.00} to my mortgage company Rushmore Servicing. This payment has not been applied and they refuse to apply this payment. The times I called them to resolve this problem they never.

Please, your help in this urgent matter would be highly appreciated. 
Their number is ( XXXX ) XXXX - XXXX. 


Sincerely XXXX XXXX
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WI)

Are holding my funds unlawfully The house sustained pier damage from a boat. Homeowners insurance sent a check for {$25000.00} made out to me & Ditech. 

Related : Ditech - stealing Mailed endorsed check & required documentation on XX/XX/19, have since found that it is noted as being received on XX/XX/19. Was supposed to receive a check made out to me & contractor in within 3 - 4 days. It is now XX/XX/19 ( over 90 days since they received package ) and the claim is still being " processed ''. Meanwhile the contractor, has finished the work 2months ago. acting in good faith. 

Lots of inaccurate information & stonewalling from coming from Di Tech, they will not take my calls now. I wait on hold for over 2 hours to only go on hold again. I have talked to the Insurance Dept. and for the last 2 months they say the check is in the " mail ''. They lie about the date they received the checks ( 12 days after they received my package ) stating they hadn't received anything from me.
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK (NY)

I dont have exact dates but I made 2 large payments in the month of XX/XX/2019 on my Discover card for the amount of {$500.00} and on my XXXX credit card for {$300.00} and for some reason my credit score plummeted when I feel it should have increased. XXXX XXXX did nothing but ignore this matter. I have no faith in proper credit scores with this company
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NerdWallet, Inc. (CO)

When I discovered that my credit card had been used without my permission I requested XXXX XXXX by XXXX out of XXXX XXXX California to investigate the matter and reissue me a card replacement card. They did credit my account in the amount of {$180.00} but all they did was make my account inactive not allowing me to order a new card or pay any bills or conduct any other transactions out of an account that is flagged as inactive. I then email them and ask them to close my account and send me a check for any remaining funds to know avail.
Consumer complaint received 2019-06-29
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. (CA)

Any information that is not physically proven to be compliant to every and each or all of the client 's State and or federal reporting laws must be returned to compliance even should that requisite annulment of item 's reporting..No entity is with authority to retain or report any allegations not demonstrated by certificate of fact to be fully TRUE, CORRECT, COMPLETE, TIMELY.The account payments history is not accurate..RESIDENTIAL XXXX
Consumer complaint received 2019-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hard Inquiry Date : XX/XX/2018 Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I would like it removed immediately. I have contacted the Creditor and they are not responding. I would really appreciate your help in this matter which is affecting my credit.
Consumer complaint received 2019-06-29
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX   XXXX ( ORIG CREDITOR:11 XXXX XXXX )
Consumer complaint received 2019-06-29
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. (MO)

Due to my identity being compromised from the theft of my identification it has lead to disperacies and fraudulent accounts being abused via my credit file. I'm asking that these accounts be removed immediately and let my true credit worthiness reflect that change. Please remove these accounts 1 ) XXXX XXXX  {$600.00} 2 ) XXXX XXXX {$140.00} If the credit reporting agencies can not provide me with physical documentation then these accounts shall be blocked immediately
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, XXXX has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and XXXX credit file, Experian is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from XXXX ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Consumer complaint received 2018-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KS)

Improper Charges for Secret Home Equity Line of Credit I have maintained a mortgage on my home with Wells Fargo since XXXX. It has been refinanced through them several times. There was either confusion, or a difference of opinion, with respect to several aspects of a home equity line of credit associated with the account. In XXXX I refinanced at the request of Wells Fargo ( interest rates had dropped and they desired to preemptively pursue a refinance to maintain my account ). Wells Fargo claims I was advised telephonically of the existence of a home equity line of credit against the mortgage at the time of refinance ( specifically on XX/XX/XXXX ), and they say they have notes indicating I was so advised but can not share those notes with me. I say I was never advised of the existence of a home equity line of credit when I refinanced. The notes which they claim can not be shared with me can be shared with CFPB. It will surprise no one who has been reading the news to learn Wells Fargo subsequently billed my bank account, electronically and without my knowledge or consent. Wells Fargo owes me a full refund of the charges made against my bank account. If CFPB reviews these alleged notes and verifies that Wells Fargo has at a minimum properly documented they gave full advice and obtained full consent at the time, contradicting my recollection, I will fully and finally accept CFPBs finding and determination. If Wells Fargo doesnt have these notes, not only do they owe me a refund, but another review by regulatory agencies is in order.
Consumer complaint received 2022-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Jefferson Capital I will not pay this account, you are here by ordered to { cease and desist } any and all communications with everyone or companies but my self in writing only .No communications to anyone about any and all debt you state you have against me. THIS IS A OFFICAL NOTICE I never gave you any permission to publicize my personal information to anyone or company credit reporting companies no one