davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NJ)

I've opened a new Checking account with Citi and deposited {$200000.00}. Citi has created a promotion in which you will receive a {$1500.00} bonus if you leave your funds in for 60 days ; however it is required you enroll in the Welcome Checking Cash Bonus Offer via a representative. They've made it impossible for the representative to enroll you, so you will not know if you are eligible to receive the bonus until after 170 days of holding your funds at a level of {$200000.00} in the account. This promotion is a deceptive practice that allows them to utilize your funds where they've developed a loop hole to never have to pay out the bonus. I've contacted multiple representatives and they can not help me.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

Home Depot mailed me an offer of credit, which arrived in the mail on X/XX/17. The offer indicates that my personal credit report was used to make the offer. The credit offer is underwritten by Citibank. Home Depot is aware that Citibank and I have previously agreed to have no further contact, and that Citibank is not to send me offers of credit or access my personal credit report. Citibank 's attorney has repeatedly told me that these offers will stop.
Despite that agreement, Home Depot accessed my personal credit report and mailed me the offer of credit they knew would not be honored.
Consumer complaint received 2017-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

To Whom It May Concern : This letter is in response to the letter I received from you on XX/XX/2017 a copy of which is attached herein. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is hereby disputed and validation is requested. Please provide me with the following showing that I have a legal obligation to pay you : 1. Identity of the original creditor 2. An explanation of how the balance of the alleged debt was calculated XXXX. A copy of any agreement between you and the original creditor showing you are legally entitled to collect monies on this account 4. A verification or copy of any judgment, if applicable 5. Proof that the Statute of Limitations has not expired on this account 6. Proof that you are licensed to collect in my state Failure to comply fully and completely with the above validation requests before continuing collection attempts, or reporting this account to any consumer reporting agency, is a violation of Federal law and will result in complaints being filed with the Federal Trade Commission, my state Attorney General 's office and your state Attorney General 's office. Civil and criminal claims may also be pursued.
Consumer complaint received 2019-10-23
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. (OH)

I have 2 XXXX accounts which is XXXX XXXX reporting to my credit. I should have only one. My card was stollen and XXXX replaced the card with a new card and number. Since then I have had 2 accounts with 2 different balances reporting to my credit report. I have disputed these items as well as contacted XXXX  about this issue with no luck. This extra account is making my credit score lower as well as credit utilization higher and my debt to income. I currently am trying to refinance my house and the company keeps telling me that I have 2 open accounts with XXXX which is causing an issue as explained.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (VA)

I have had a credit card with XXXX for the past several years through Comenity Bank. I have paid on this account faithfully every month with very few late payments, if any at all. This past month I started receiving notices that my payment to XXXX was overdue, and they were threatening to suspend my account. I checked my past payments and saw that I was paying on time each month, so I was at a loss as to what they were talking about. Well, to my surprise, it was not Comenity Bank where I have around a {$1700.00} balance at XXXX that I pay on every month. No, this was XXXX calling because they have taken over the servicing for XXXX 's credit card account so that when I charged around {$200.00} at XXXX for my son 's presents, they had set up a new account for my XXXX account so now I owe them {$45.00} for THAT account that I did not even know I had!! XXXX said my balance with XXXX from Comenity Bank should have been moved over to them when they ( XXXX ) took over XXXX 's accounts!! How in the bloody XXXX am I supposed to pay on two separate accounts ( with interest!! ) to two separate banks for what should be one XXXX account!! Comenity will not move the balance over to XXXX so I can just make one XXXX payment a month ; they said I must have missed their e-mails about the change in banks so it is my fault and they will not help. I am infuriated and refuse to accept this! They should have moved it when XXXX took over - e-mails be XXXX. Please help me before I fly out to XXXX and hunt down their President to get things made right! I am very ill, and this is NOT HELPING!!!!
Consumer complaint received 2023-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

See original complaint - XXXX. As indicated, I do not owe this debt. However, to prevent the debt from being charged off and affecting my credit, I paid it. I AM SEEKING REIMBURSEMENT - THIS DEBT IS NOT MINE.
Consumer complaint received 2020-11-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brown and Joseph, Ltd (ME)

XXXX I called and left a vm no response on two occasions XXXX I emailed them no response two occasionsXXXX the company is called XXXX and XXXX number is XXXX address is XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2018-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony bank/ Walmart has been reporting with XXXX , XXXX and XXXX that I have XXXX accounts with them which is affecting my credit report and credit score. They are reporting that I had XXXX Walmart accounts. 

XX/XX/2016 amount XXXX XX/XX/2016 amount XXXX The account with the amount of XXXX is not mine and needs to be removed
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IN)

My Complaint is against XXXX XXXX, XXXX. XXXX XXXX is failing to update the 3 major credit bureaus : XXXX, XXXX and XXXX that their account # XXXX has been paid in settlement for {$1300.00}. The are failing to update a XXXX balance and advising the credit bureaus that I still owe them the {$1600.00} for account # XXXX The account was initially with XXXX XXXX XXXX XXXX XXXX, who then sold the debt to XXXX XXXX, XXXX, who then hired XXXX, XXXX, XXXX XXXX XXXX, XXXX to sue me in small claims court. The case has been settled outside of court for {$1300.00} and paid on XXXX/XXXX/XXXX. XXXX XXXX, XXXX attorney office XXXX, XXXX and XXXX cashed the {$1300.00} check. I am requesting that XXXX XXXX update my credit reports properly to reflect a XXXX balance.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Paid off conventional mortgage XX/XX/year>. Still haven't got lien removed from the deed. As of XX/XX/year>. Started calling XXXX asking for the documents to be recorded and sent to me. Called XXXX times. One person said county didn't send the paperwork they will call me back that was XX/XX/XXXX. Another person told me it was tender they would call me back with Status that was XX/XX/XXXX. This is not ok
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (WI)

Name : XXXX XXXX XXXX Amount : {$830.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Name : LVNV FUNDING LLC Amount : {$1100.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Please challenge and validate this unknown debt with proper documentation Please challenge and validate this unknown debt with proper documentation.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XXXX XXXX, 2021 - USAA decided to close my checking account that I've with them for over 9 years due to due to a negative balance that they did not give me a chance to clear or make payments on, they just closed my account. ( So much for loyal valued customer ) On XXXX XXXX an ACH deposit was made in error to that closed account. USAA then decides to reopen the account to accept the funds and apply it to an " over 60 days CLOSED - CHARGED OFF ACCOUNT. '' I called in on XXXX XXXX to find out the nature of the deposit and when I contacted the sender I was advised that the funds would need to be returned as the deposit was submitted in error. " As long as the account is closed then the bank would reject the deposit, and everything would even out '' stated the call center representative of the sending account. I immediately called USAA and they REFUSE to return the deposit. I've been on the phone for over 5 hours and counting, instead of disconnecting the call they keep transferring me back into the call que to start over from scratch with a new agent. Not one time has even a supervisor made an attempt to call me back when the call " drops '' so I just keep going in circles. 
I've been given what I'd like to call " false solutions '' just to get me off the phone ( such as my request has been fulfilled ; it will be processed ; it can not be processed ; the deposit has to post ; the deposit has already posted to the account ; they are unable to reject the deposit ) but every time I request for these " solutions '' to be submitted in writing and uploaded to my account ( a service USAA does ALL the time ) all of a sudden no one can put it in writing. 
It seems USAA is abusing their right to accept deposits after an account has been officially closed and charged off. This is also a first-time deposit NOT a reoccurring deposit there no reason this deposit should've been accepted on a closed account. If the customer is requesting for the deposit to be returned to sender, it can be honored and should be honored.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

After reviewing my credit report, I noticed that there are multiple errors when it comes to my personal information. And I need all of this fixed immediately. 

My only name is : XXXX XXXX XXXX My date of birth is : XX/XX/1984 My Social Security number is : XXXX My only address is : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX My only phone number is : ( XXXX ) XXXX Any personal information other than the information listed above is inaccurate, fraudulent, and I do not recognize it. Therefore, I want the personal information listed above to be the only personal information that appears on my credit report.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

OnXX/XX/2019, I deposited my cashier check that was wrote out to me in my business name, in the amount of XXXX. The check cleared on XX/XX/19. I stop at an atm got XXXX off and drove to the closet boa branch to get XXXX out of my account. I didn't have my phone so they could verify my account, even though I produce my I'd and debit card, I was told that I couldn't withdraw funds without my having my phone present. So when I got home I noticed that my account was locked, so the next day I went back to boa to straighten this matter and I had to go through a rigorous process. After 2 hours in the office they said they would call me after their review. I nevered heard back from them until 4 to 6 days later via mail, saying they had closed my business account and we're investigating my deposit. I tried reaching the right department numerous of time but keep getting the run around and being placed on hold for 30 to 40 mins a time. It's been 2 months now and I still haven't received my funds in the amount of XXXX dollars
Consumer complaint received 2022-08-28
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. (OH)

XXXXXXXX XXXX XXXX reporting on my experian credit report. I reached out to green dot they cant locate an account under my information. 
Said that they are a prepaid card and dont report to credit bureaus
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I received an email from XXXX XXXX on XX/XX/2019 for their American Express card. The promotion that was offered was XXXX bonus points after spending {$1000.00} in first 3 months and 0 % Intro APR for 12 months. I received the bonus points but not the intro APR. I contacted American Express on XX/XX/2019. I was told they would investigate and for me to call back in 2 months. I called on XX/XX/2019 and was told again it wasn't a valid offer. The guy had me email him and his supervisor the email I received. He filed an appeal which also was denied. He called me on XX/XX/2019 and said him and his supervisor would still be working on it and he would get back to me. I haven't heard from him since. I also contacted XXXX via email and was told they don't offer any such promotions. I would like for American Express to honor the promotion that was offered to XXXX XXXX members.
Consumer complaint received 2018-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Basically, Ocwen Loan Servicing, LLC., came into our Mortgage, Note by providing a Modification as XX/XX/XXXX. Thereafter the Modification, the new note became : 1. {$84000.00} from unpaid Principle balance of {$58000.00} as of XX/XX/XXXX. 
2. Interest Rate 5.750 % from 7 % 3. Change in Maturity original date XX/XX/XXXX to  XX/XX/XXXX. 
My concerns are : 1. Ocwen forced us to pay Monthly payment of {$1100.00}. How comes such a high payment in a loan less than {$100000.00} and or, {$84000.00}?? 

2. Ocwen filed for Foreclosure after just three months of mispayments, specially in XX/XX/XXXX ; was that lawfully executed in Florida Laws or USA??? 

3. Ocwen 's Escrow account department charged more than {$7700.00} for XX/XX/XXXX Hazard and Flood Insurance, on a roughly {$120000.00} house value ; that was wrong and deceitful. Those Insurance was only cost {$4500.00}. Ocwen  committed perjury to the court. 

4. Ocwen sold the house even after we Filed Chapter XXXX Bankruptcy. Ocwen has abused us, illegally, and unethically ripped off the property. Ocwen has inflated their numbers so it can steal the property. Ocwen has made it impossible to accept payment from us. Please help us.
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I have contacted Bank of America ( aka BofA ) several times to remove my PMI ; both in writing and customer service calls. I have made timely mortgage payments for over 9 years now, my balance is below 80 % of the original appraised value ( LTV ). 

I first contacted BofA in writing XX/XX/XXXX to have PMI removed ; my PMI would not be removed without a new appraisal being done was the response. 

I contacted BofA again in writing on XX/XX/XXXX to have PMI removed ; BofA said my PMI was close to bring removed. 

Recently ( summer of XXXX ), with a customer service call a BofA rep verbally shared that my PMI would be removed by XX/XX/XXXX. I just recieved my XX/XX/XXXX mortgage statement from BofA and my PMI of $ XXXX/month is still there. I'm puzzled and at a loss, no seeking CFPB 's assistance. Based on the Homeowners Protection Act of 1998 or HPA, my PMI should have been removed months ago.

I'm hoping the CFPB can help me 1 ) have my PMI removed, 2 ) Get any back PMI owed to me paid to me from BofA, & 3 ) get an explanation from BofA.
Consumer complaint received 2021-03-09
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: FIRST ADVANTAGE CORPORATION (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXXT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2022-01-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Auto On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX for a total sale price of {$51000.00}. 
I provided my social security number in order to seek out financing for this vehicle. 
The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction.

I do not owe any debt to Wells Fargo due to my role as a creditor 15 USC 1692a ( 4 )
Consumer complaint received 2022-11-30
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$760.00} / Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$580.00} / Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$1100.00} / Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Revolving / Balance : {$0.00} / Date Opened : XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.