davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I received a notice that my credit rating was negatively impacted by a late payment to XXXX. I apparently did receive the bill electronically, but it never notified me that my payment was late. The credit representative said there was a " subtle reminder. '' Also, XXXX XXXX claims they tried to call me but had the wrong number. 

If you sign up for automatic notices, they should send you a specific reminder. But that is not the primary issue here. 

I have had a XXXX 's account since 2008 and had no issues. What bothered me here was when I called XXXX 's to discuss the situation, they said they could help me with the credit report if I paid the past due balance -- and once it posted they would give me the contact number. I did not have a problem with this, as missing this payment was an accident and I had full intention to pay. However, when I called this contact number if was clear that XXXX 's had no intention of fixing the problem on the credit report, and said that they could not do it. This was a bait and switch tactic.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (IL)

XX/XX/2022 Re : XXXX XXXX Dear Consumer Financial Protection Bureau, I am appealing to your authority to have XXXX, XXXX and SageStream , LLC to release their addresses, telephone numbers, and fax numbers to me for the purpose of placing security freezes on all data collected by them, concerning me. 

When attempting to process this matter on my own accord by requesting security freezes, XXXX tells me that they are connected to XXXX, which is not altogether true. When contacting XXXX, they state that they are connected to XXXX, which is also not altogether true. 

In particular, I am referring to the inability to receive confirmation letters and/or numbers from both XXXX and XXXX on their respective letterheads stating or showing that my security freeze has been placed. 

XXXX and XXXX both hold personal information on consumers. My rights under FCRA allow me to place security freezes on my credit file upon request. 

XXXX is claiming that they are a part of XXXX for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen. 

These are separate entities, holding separate credit reports and allow for separate security freezes. [ XXXX, XXXX, XXXX, XXXX ] Please assist me as soon as possible in obtaining the necessary contact information in order to place security freezes with XXXX and XXXX, therewith, compelling them to follow those well known directives from FCRA. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc. (MT)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MI)

The Bureaus did not properly investigate my account with ALLY FINCL XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The date of the last activity is being reported on the year XXXX but thhe payment history is on XXXX. Also, No 120 days record was found prior to getting the account to be a charge-off. This company is re-aging my account. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.
Consumer complaint received 2024-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc. (CA)

Company voluntarily declined to produce monthly loan statements. Voluntarily aborted our auto-withdraw process, then shuttered the bank branches and failed to open their mail in a timely fashion to process the checks we mailed them. Then they misapplied our funds in cockamamie ways to disguise their misfeasance. Either XXXX  criminal or criminally XXXX. You guys need to send this on to the Federal Reserve, the Comptroller of the Currency and the FDIC. Please yank their license to do further harm while pretending to be bankers and loan servicers.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA Credit Card. I have a balance of {$.00} on my credit card account. I attempted to pay this amount via the USAA Mobile app XX/XX/21. I selected " current balance '' as payment amount, deliver by date Tuesday, XX/XX/XXXX, from ( account stored on file ). I received a message that popped up stating " The amount you have entered is less than the minimum required. '' I tried again, this time entering an Amount to Pay as {$1.00}. I then received a message, " You have entered an amount that is greater than the account balance. '' I was unable to complete a payment for the amount owed. 

I attempted to use the mobile assistant but could not get an actual person to answer the question ( just automated attempts ). So, I called the USAA call center. I explained the issue and was advised that was correct, this is how it works and that I could not make a payment for {$.00}. I asked if there was any difference between the mobile app functionality and the actual online site and was advised that it was the same. I was then recommended to just go out and buy something else. I responded that was not the answer I was looking for, I just want to pay what is due. I was then told they could just refund the charge. I declined as this is a valid charge and is recurring monthly, so that is just a temporary solution. If I only have this charge and don't happen to use the card another time during the month, I still want to be able to pay for it. I was unable to reach any resolution during my call and still can't make a payment.
Consumer complaint received 2019-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Adjustments Inc (NJ)

Okay, yesterday I was shocked to find out my refund has been offset again. After all day on the phone the only answer I got was okay we will put a dispute on your offset. This was told to me by the collection agency that works with Dept. of education. This was XXXX XXXX. I filed these loans over twenty years ago. Over the years I worked for 10 years I had my wages garnished weekly for a total that could buy me a college! Also year after year from approximately XXXX till now EVERY refund has been taken as well. This is where it gets very interesting I asked and pleaded for my payment details. I believe there is either a HUGE error or something.. Now when I was a kid I really didnt take track BUT I do know I have transcripts and my family didnt have much so I also received grants and aid. There is no way this can still be unpaid. I didnt even graduate!!! So I learned the hard way. I want to know what do I have to do because NOBODY is giving me an answer. I am in financial ruin and was relying on that refund. Please help!!
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I tried to send flowers to my girlfriend in the XXXX for her birthday and the payment failed. I verified the payment on the USAA website and the payment still failed. I called some XXXX with USAA and she started talking about other payments. Why do I care about other payments. I want to know why I continuously have problems making payments when I follow their procedures. If your procedures don't work fix them. I look like a total XXXX to people in the XXXX. I guess this is my fault by using a bank run by XXXX
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NC)

I got a call on Sunday, XX/XX/XXXX from my bank. The person said that I was hacked and that a scammer sent over my via Zelle to themselves and that they would help me recover my funds back to myself. I " sent '' myself XXXX amounts, both for {$300.00}. After that phone call, I got another call from my bank and said there was unusual activity on my account. I told them I just spoke to someone from the bank and they had said that I didn't and there was no records in their system that I had just spoke to someone from the bank. It turns out that a scammer called me and trying to get me to believe that I was sending money that was taken back to myself. I called my bank ( XXXX XXXX ) and they said because it was process from Zelle that it was their responsibility and they could not give me back my funds. I contacted Zelle and they had said the same thing. It was through Zelle 's platform and that is why I am out {$600.00}.
Consumer complaint received 2024-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

returned my last XXXX payments Will not accept my bank payments request that i pay on their website. Asks me to call them at a number they provide. when I call the number they provide I receive a robo response. Will not allow me to speak with a person. Paid flood insurance escrow payments to late and over paid property insurance 20 days to soon.
Consumer complaint received 2022-02-18
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. (MI)

This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Transunion. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$140.00} XXXX/XXXX  XXXX Balance : {$1800.00}
Consumer complaint received 2021-05-09
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: FIRST NATIONAL BANK OF OMAHA (MA)

I was sent a pre-approved offer for an XXXX XXXXXXXX XXXX XXXX credit card on XXXX as an XXXX XXXX member at XXXX XXXX through Omaha FNB. This was a pre-approved offer NOT AN INVITE TO APPLY. I put in an application for the card with the understanding that ONLY A SOFT PULL would be done on my credit, however, this bank did a hard pull the was put on my credit with XXXX without my authorization. I DID NOT AUTHORIZE THIS COMPANY TO PULL MY CREDIT. ONLY A SOFT PULL After that I was denied this card after being pre-approved, and I never received a follow-up letter as to why i was denied. I attempted many times to talk to FNB Omaha to remove this hard pull from my credit, however, I was treated very rudely, and no one bothered to help with the situation. This company has misrepresented facts, lied, been very rude, insulting, disrespectful, unprofessional and helped in no way shape or form. This company NEVER informed me as to why I was denied this PRE APPROVED card offer and have lied as to sending me any formal letter. Again, this company DID NOT have my authorization to do a hard pull of my credit report but did so anyway. After searching online after the fact, I come to find out that this bank is KNOWN FOR THIS TYPE OF THING. In addition, since this drama began, Ive had no difficulties being approved for other cards. This company needs to show me in writing where I authorized them to pull my credit or take the hard inquiry OFF my XXXX immediately.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (MD)

I have called Ocwen 's Office to no avail. I have sent letters, one has come back as return to sender not deliverable addressed unable to forward, I used their address that is listed and provided on my credit report. Please see attachment. Ocwen is reporting 2- 30 day late on my credit report, although they removed it from my XXXX Credit Report on XX/XX/2017, it still remains on my XXXX and XXXX . The 2- 30 day late ( 1 ) payment was made on a Sunday through the automated system, and the second late payment was made on XX/XX/XXXX. If you get int touch with Ocwen would you mind sharing the attached letter. Thanks and have a great day!
Consumer complaint received 2018-05-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (OR)

freedom mortgage lower the vaule of house on paper XXXX. so they could charge me XXXX for mortgage insurance. l went from a arm to a fix same company same home. call company said it was because of a va loan fee. not true have XXXX XXXX XXXX  XXXX.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

A credit card account was opened at XXXX XXXX XXXX  on XX/XX/2022. 

On XX/XX/XXXX, I received information that there was an account in my name and that the address was changed to an address I do not recognize. 

On XX/XX/XXXX, I called and spoke to the supervisor asking them to close the fraudulent account, which they claimed they would but did not. 


On XX/XX/XXXX, I check my credit report and I see that the account was not canceled. 

So I called them to follow up on the situation and they claimed that they would cancel the account today. 

I do not believe them and am working very diligently to have them close the account immediately.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am making a final goodwill attempt to have you clear up this matter. 

The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 Account Name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you
Consumer complaint received 2024-03-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management, XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened with Midland Credit Management, this debt is not a valid credit transaction that happened between Midland Credit Management is 100 % false and incorrect and should be removed from my credit file with the credit agencies. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( FACTA ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the Dodd-Frank Act, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX