davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/24 I attempted to transfer {$2300.00} out of my account. I was redirected to my app to confirm my identity. When I opened my app to confirm, it didnt proceed to the page where it asks if I was the person attempting the transfer so I reattempted the transfer again and it did the same thing. I was unable to transfer my money out of my account. From there I called to call Citi bank to see what was happening and they essentially asked me to call again on XX/XX/24. Which I did. Only to find out that they closed my account. For reasons, they couldnt explain. I went back and forth with them multiple times until they finally asked me to go to a physical location. Which I did and they were vague as well as to why they closed my account and were holding my money. The person I spoke to pretty much just said I attempted to withdraw XXXX from my account when I only had XXXX so I explained to him that those were likely the two attempts I made to pull my money out but wasnt able to because of an error within the app. Anyway, I received a letter the other day and theyre telling me theyre holding my money for 60 days. I need that money to pay for my day to day cost of living. The representative I spoke to on the phone went as far as telling me that it wasnt a guarantee that Id even get my money back. Its been a frustrating situation altogether and I hope to get my money back as soon as possible. Thank you.
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/XXXX XXXX was contacted by XXXX XXXX XXXX using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from Synchrony bank. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. XXXX XXXX harassed me for XXXX min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of XXXX and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and XXXX XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat )
Consumer complaint received 2022-12-03
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. (GA)

FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX public record not mine US BKPT CT XXXX XXXX
Consumer complaint received 2022-07-06
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. (TX)

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX .... 
Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Discharged through Bankruptcy XXXX XXXX 
XXXX Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXXXXXX XXXX is misreporting joint auto loans on both mine and my wife XXXX XXXX 's credit reports. The account defaulted over 7 years ago, were sold to a collection agency, and should have been removed.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC doesn't want to resolve the fraud charges on my account XX/XX/2019 XXXX XX/XX/2019 XXXX
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.
Consumer complaint received 2017-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

Attached is the letter received  XX/XX/XXXX , dated  XX/XX/XXXX ,  Ditech fo rwarded advising me of ineligibility for their  XXXX  loan modification programs that I applied for.  <P/> In the seventh paragraph they state I am ineligible for their   XXXX   XXXX   XXXX    Proprietary Modification be cause my conbined household debt of {$1300 .00} ( made up of {$910.00} mortgage and {$450.00} interest only HELOC ) is less then the   threshold of 45 % of my total gross monthly income of {$3100.00} thereby deemed affordable. The mortgage expense above is just barely affordable on my fixed income. The HELOC is due to reset in at few months so I included with the mod application an estimate of the new payment to use in determining my eligibility. However, it was not used in the calculation.  Ditech  did not sent me the new reset payment amount until after I applied. The new payment amount of {$850.00} is almost double what I am currently paying.  Ditech used the current payment not the new reset payment ( which they knew all along ) to determine DTI ratio an d ineligibilty.  <P/> Furthermor  e, Ditech has serviced my HELCO for many years and is aware of the loan modification programs for which I was eligible, but they never reached out to me as recommended by the Office of the Comptroller of the Currency ( OCC ).
<P/>
Finally, the second page speaks of submitting {$200.00} as down payment for an appraisal. Why? I have been living their since the end of summer last year (     XXXX   ). My understanding from friends, appraisals have n't been used for modifications only home valuations which cost substantially less.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (NV)

I do not agree with XXXX Chase accounts listed on my personal credit file. I prior put a complaint against this agency due to fraud our office and just because there was signed checks this agency stated they were validated. I would like to request again verification of last activity a payment was made and also copies of initial contracts verifying these accounts were personally guaranteed as I do not agree. This is now the second time requested and I have the right to request and receive. 
Chase # XXXXChase # XXXXChase # XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I converted a XXXX XXXX XXXX, filed in XXXX, to a XXXX XXXX in XXXX. In the process my lawyer, in error, filed a new XXXX XXXX case. The court immediately dismissed this case because it was filed in error. It should never have been filed and it should never been added to my credit report. Now I have XXXX bankruptcies showing, one discharged and one dismissed. The dismissed one I have disputed numerous times with Experian and XXXX since XX/XX/XXXX. With those disputes I have included a letter from my attorney and the XXXX XXXX XXXX stating this case was a clerical error. Both Experian and XXXX refuse to remove the dismissed bankruptcy. Both instructed me to obtain the XXXX XXXX XXXX and they could remove the bankruptcy. However, when I provided the document both refused. Due to their refusal to remove the inaccurate case, creditors began attempting to collect on accounts discharged in the accurate bankruptcy. I have spent almost a year getting these creditor accounts straightened out due to Experian and XXXX outright refusal to fix what I have proven to be incorrect. I have disputed online and over the phone numerous times. This bankruptcy must be removed.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (GA)

Unauthorized inquiries by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

I took out a 60 month installment loan in XXXX with Wells Fargo Bank. At the time, I provided Wells Fargo with my home address at XXXX XXXX XXXX, XXXX, IL XXXX. I still live at this address to this date. I made each installment loan payment on time since inception. In XX/XX/XXXX, as I was approaching the final installment payments on this loan, I stopped receiving statements in the mail. When I realized that Wells Fargo had failed to send me statements to my address, I called the bank in XX/XX/XXXX to see what had happened to my statements. Wells Fargo customer service informed me that they had sent my statements to an address in Florida. When I inquired as to why, they could not provide an explanation. I stated that did not live in Florida and still resided at my address of almost 30 years in XXXX, IL. I stated that I wanted to pay off the entire balance of the loan immediately over the phone, which I did, and to have them correct any erroneous late fees AND any late payments they had reported on the account with the three major credit bureaus, XXXX, XXXX, and XXXX. Customer service took my payment paying the balance off and stated that they would make sure that any late payment reporting to the bureaus would be corrected and the account would reflect timely payments, as the problem had been created through their error. I followed up on XX/XX/XXXX by checking my credit reports with all three bureaus and the problem was not corrected. I was still being reported 30 days late for XXXX and for XX/XX/XXXX. I contacted Wells Fargo and was eventually transferred to the Office of the President where I was told that they were refusing to correct the late payment reporting. I am seeking to have my report corrected to reflect timely payments for all payments including XXXX and XX/XX/XXXX. I paid ALL payments timely and was receiving statements to my address in Illinois for the entire term and NEVER requested that they mail statements anywhere else. This is clearly the bank 's error, to which they admitted and promised to fix, when I made my last payment over the phone to pay off the entire remaining balance.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

On XX/XX/XXXX I sent my mortgage company my payment for XX/XX/2022 through XXXX XXXX I sent the third party because this company foreclose on me previously and I did a loan modification. They are doing the same thing again. But this time I'm sending my payments through third party so I have a witness I sent {$2100.00} through XXXX XXXX to specialize loan servicing who is the servicing company for a XXXX  XXXX XXXX I kept calling specialized loan servicing to see if the payment posted and when it didn't they kept doing a ticket but on XXXX the XXXX 2022 when I called XXXX XXXX they said that specialized loan servicing refused the payment and refunded it. Tracking number is XXXX the payment was given to my brother to send for me his name is XXXX XXXX account number is XXXX XXXX I have the receipt attached.
Consumer complaint received 2019-06-20
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. (GA)

I'm submitting this complain for your failure to comply with a proper investigation into the accounts that you are reporting. This is my second complain, You are reporting information to the public domain about me without original documents, I need you provide me with original documents, i'm requesting that the CFPB get on these bureaus case, this is my second request and their failure to provide me with handwritten signatures is a blatant violation of the law. If you can't provide me original documents then please delete these accounts immediately. 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 


Please do a full and proper investigation on my accounts with the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for confirmation of your action. Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. Please note that I need this account corrected in order to qualify for a home loan. 

If the company furnishing this account information informs you that it is reported accurately please provide me with all documents that prove the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including name, address and telephone number of the furnishers contacted. 

I also will require for purpose of discovery that all responses from your agency also be signed in ink by an officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer. 

It is my clear understating that you are required to maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on consumer is reported to be complete and up to date. Please complete your investigation within 30 days as permitted by the law and mail the results to me and if not resolved I will have no other option but to hire a law firm enforcing consumer rights under the Fair Credit Reporting Act ( FCRA ). 15 U.S.C, 1681 et seq. On my behalf to seek all possible remedies and damages associated with the Fair Credit Reporting Act ( FCRA ) laws. Please note that the Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) cordially XXXX XXXX
Consumer complaint received 2019-10-09
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: EQUIFAX, INC. (GA)

XX/XX/2019 XX/XX/2019 XX/XX/2019 Each time I was told something different. I have XXXX hard inquires on my credit that I did not authorize. I have sent in verification along with copies of my report requesting the inquires be verified as valid accounts or removed as I didnt authorize them. 

Thank you XXXX XXXX
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2021-06-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Pursuant to FCRA 15 U.S. Code 1681i, I am requesting that XXXX not furnish any information about me concerning my credit file. I believe the information for Bank of America, Account Number XXXX XXXX XXXX is a result of identity theft ; thus, please stop reporting information about me to consumer reporting agencies. 

Please be advised that I am a victim of identity theft. My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of Bank of America, Account Number XXXX XXXX XXXX. 

As has been noted, an investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, XXXX XXXX did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. XXXX XXXX employees are no more than data entry clerks in the dispute and investigation process. XXXX XXXX did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors. 

I am requesting that all information about me and my accounts remain private. I want my name, address and credit data excluded from your marketing lists. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX
Consumer complaint received 2022-07-06
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 XXXX XXXX XXXX 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