davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

on XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, they reported late payments on my account last 4 number of the card ( XXXX ), i've been sending my payments on time every month. i called the company and they said never received the checks. 

in my second card ending in ( XXXX ) i have 3 late payment same issue.
Consumer complaint received 2019-04-24
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. (NC)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX  XXXX partial account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-02-23
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. (NY)

I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IL)

Received letter in the mail on XX/XX/XXXX ( postmarked XX/XX/XXXX ) explaining that they have a claim about a car accident a couple years ago on me for about 12000 . I sent a letter on XX/XX/XXXX in response requesting more information so i could verify the debt was valid and how much of the total amount. They sent no response to the letter. I called the company i believe on XX/XX/XXXX to verify the letter was received and to request the information. They confirmed they had revived the letter. I was told that they did not need to respond to the letter because of HIPPA laws. So i was never sent any more information to verify the validity of the claim. He gave minimal information on the phone call about how much was property and what was medical. Did not say if the entire amount was what i owed or if it was only part of it. Then proceeded to tell me the options i had to pay it back. 50 % up front by XX/XX/XXXX ( check had to be received by XX/XX/XXXX ), or payment plans for 100 % over the next few years. I said i would look into it, which is when i called the CFPB to discuss the situation. I have attached a photo of their letter
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I've been a Citibank credit card account holder since 2008, and it recently came to my attention that I'd been enrolled in their " XXXX XXXX '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. 

Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " XXXX XXXX '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XX/XX/2008 with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). 

What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. 

As far as I can tell Citibank fraudulently enrolled me in their " XXXX XXXX '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies.
Consumer complaint received 2019-04-24
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. (IN)

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX/XXXX XXXX # XXXX****. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. XXXX was also reporting 30 days late on XX/XX/XXXX however Transunion was reporting 60 days late for XX/XX/XXXX and much more inconsistent payment history. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX   XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2019-04-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (VA)

MidFirst Bank is engaged in systematic discriminatory behavior through its marketing and account set-up processes. 

As a citizen of the United States who was targeted by online marketing regarding " Vio '' online savings rates, I attempted to open a savings account which was declined, to which the bank when I called would provide no information as to the reasons why. Their explanation was that the process was controlled by XXXX and they had no control and no insight as to the reasons. I called XXXX at the number provided and they said they could not provide me the specific reasons, but rather required I order a credit report. I have an 800+ credit score and exemplary experience with deposits so this is alarming to me. 

Concerned that MidFirst bank is engaging in discriminatory behavior, I then called XXXX to inquire about the bank 's compliance with the Community Reinvestment Act. Financial institutions compliant with the CRA are required to make the location of their public file available to the public upon request. I made this call on XX/XX/2019 at XXXX. The agent referred me to XXXX XXXX XXXX which has to do with mortgage lending, but not the the actual CRA compliance file. They then said they would mail me a copy. 

The fact that this financial institution is able to engage in discriminatory behavior operate outside the bounds of it's federal charter to " serve all members of the community '' needs to be investigated and remedied by the federal government.
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

During the year of XXXX my husband was diagnosed with XXXX XXXX which caused a severe hardship for our family and disrupted our financial stability.I requested a loan modification last year during litigation, and on XXXX XXXX, XXXX with Well Fargo lenders. On XXXX XXXX, I received a denial letter based on my household income. 
On XXXX XXXX, XXXX, I called Wells Fargo to request a re-entry of a loan modification based on the additional information that had yet to be considered for loan modification and the appeal process. I was told that a Hard Stop was placed on my loan because I was denied XXXX request for a loan modification and that my loan is too far past due, and that the only option I have is a short sale or deed in lieu. Well Fargo never informed me in writing of my loan having a Hard Stop status. I would like to know when was this crucial status placed on my loan, and how come I was not professionally informed? Whereas, I could have gotten proper representation.
Consumer complaint received 2019-08-29
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. (CT)

I'm a XXXX XXXX XXXX taking six courses a semester while working a 40 hour week job. I Iost my job and could not pay my XXXX XXXX credit card ( {$2000.00} ). A few months later after I was situated at a new job, I received a letter for the option to pay a lump sum of {$1400.00} in order to " settle '' my account. I paid this lump sum with the entirety of my paycheck ( s ) in the course of just two weeks! XXXX from the credit card department assisted me in taking these payments. 

I called back to confirm everything was done and I would no longer be harassed by their credit department, was told I was good to go. Of course that was not the case, not only was I still harassed, my credit report showed that just two months later, this account was " Charged off as bad credit '' as opposed to " settled '' ( TransUnion ). I made a complaint and nothing happened. I also noticed the balance of the account was not XXXX, but $ XXXX< ( The amount not paid in the settlement ). Every month it grew higher, it's as if they lied and just took the lump sum and wanted me to pay the rest! 

I called back XXXX XXXX and was now greeted with a XXXX XXXX   named XXXX ( XXXX ext XXXX ), who kept hanging up on me after treating me like a criminal. I reported him to his boss with a recording of the phone call that received over 50 angry comments on XXXX, he did not return my call.
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (TX)

In XXXX and XX/XX/2019 I began receiving notifications from credit monitoring service that a collection agency Contract Callers Inc., had added a negative account to my credit file. This was for a XXXX phone account claiming I owed over {$1300.00}. 

On XX/XX/2019 I contacted Contract Callers via phone @ XXXX. I informed the person that my debt with XXXX had been canceled. I was calling to ask that they remove this negative information from my credit file. 

The person I spoke with stated they would accept payment. She also stated she was representing XXXX and suggested if I had any issues or concerns that I call XXXX. 

I informed her that they were about the 2nd or 3rd collection agency that had attempted to collect this debt. Both of the other companies deleted the debt because there was no valid contract. 

I asked for validation of the debt since they were claiming to represent XXXX. She said if I had any issues, I should contact XXXX. I informed her that I would be filing disputes with the credit agencies and they needed to show a contract existed and verification of the debt. I then hung up very upset after this call. 

I filed the dispute days later stating the debt was cancelled with the original creditor, NO Contract and because this was a cell phone bill, the federal statue of limitations of 2 years has been reached ( This claimed contract would be approximately 4-5 years old ). Contract Callers returned a response today with XXXX stating the debt was valid and this debt remains on my credit file. I also filed the same dispute with the other 2 major credit reporting agencies. 

Contract Caller 's has not provided any contract or validation. They also have falsely stated this debt is valid. This appears to be their tactic with consumers to try and force them to pay these collection debts that they have procured. As a consumer, we are left helpless to these unscrupulous practices. They currently have over 150 complaints filed with the XXXX XXXX XXXX. As a consumer, I am asking for your assistance in getting this " collection agency '' to accurately validate and report debt to the credit reporting agencies or no longer be allowed to practice as a business with access to consumers credit files.
Consumer complaint received 2022-12-14
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. (WI)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/2022 in the amount of {$330.00}, 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 inaccuracy.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX Transunion XXXX and, XX/XX/XXXX XXXX XXXX XXXX The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.
Consumer complaint received 2019-08-29
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: CITIBANK, N.A. (TX)

I was warned by my card company ( by phone ) that two XX/XX/XXXX resort charges for {$1100.00} and {$600.00} looked like possible fraud. I informed the card representative that my daughter and I did not make these charges. He cancelled our cards. Later, I receivied a card bill for XX/XX/XXXX-XX/XX/XXXX that still had the two resort charges. I called a card representative and told him the two charges were on my bill. He cancelled our cards again. Next, I received a card bill for XX/XX/XXXX-XX/XX/XXXX that still had the resort charges and interest on those charges. I sent my letter of XX/XX/XXXX to the card company complaining and asking removal of the fraudulent charges and interest from my account. I then received the card bill for XX/XX/XXXX-XX/XX/XXXX with the fraudulent charges and more interest still on the bill. I sent my letter of XX/XX/XXXX complaining and requesting a reply by XX/XX/XXXX. I then received the card company XX/XX/XXXX letter stating : " Per our records your account was issued a credit from the merchantin the amount of {$600.00}. Therefore, we have billed your account {$600.00}. This correction shows on your XX/XX/XXXX statement. We now consider this investigation complete. '' I then sent my letter of XX/XX/XXXX saying I had not received a credit of {$600.00} from the resort. The card company then replied by their letter strangely dated XX/XX/XXXX saying I was previously rebilled for the {$600.00} charge, and they had recredited my account for this amount. The adjustment would appear within one to two billing cycles.The card bill for XX/XX/XXXX-XX/XX/XXXX showed the {$600.00} credit, but it showed a balance that included the original fraudulent charges plus interest. ( I admit that I did not initially notice that the original fraudulent charges were still included in the balanced owed. ) I then sent my letter of XX/XX/XXXX saying that my card bill should only contain my current charges. I want my futures billings to only show what is owed from current charges and no interest. I always pay the full blance that I owe on my cards ( minus fraudulent charges ) so that I never incur any interest.
Consumer complaint received 2022-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

i am XXXX XXXX, legally mortgage is still under with me & my father. but i not living to the said address because i just started a new chapter in my life. I am just concerned with my XXXX who literally they owned the house. They suffered from flood to their basement. And my XXXX cancelled the assumption over the phone with XXXX on XXXX. Due to unexpected expenses to their basement. So she is behind with the mortgage. It was only done for construction yesterday XX/XX/22. She applied for Payment Plan today XX/XX/22 but unfortunately. XXXX XXXX found that she has active assumption application. So, she thought everything is on the proper places and i. the same page. And we got a letter from them that theyre willing to help us, why now, they giving her a hard tine to get approved from payment plan. XXXX said to her that 30 days before it will be updated to their system regarding assumption application to be cancelled. and it might be worst, if we still need to wait for 30 days. And we are supposedly got a payment plan but XXXX XXXX doesnt allow him to file on his system. 

we need help to mske this thing straight and informative
Consumer complaint received 2021-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to XXXX  and XXXX  2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates
Consumer complaint received 2018-04-25
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: EQUIFAX, INC. (AR)

Equifax Credit reporting agency has violated the Fair Credit Reporting Act by failing to respond within the thirty day time frame with 100 % debt validation accuracy. Equifax was unable to provide proof that they verified the debt ( s ) and continues to list them on my credit report. The Collection agencies have failed to provide any original documentation, in addition have failed to respond to my dispute. Equifax received certified letters on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. Tracking numbers # XXXX & # XXXX USPS tracking service. Equifax also has been notified through Fax and certified mail with police reports, affidavits, and notarized letters that these accounts where established without my consent and knowledge due to identity theft.
Consumer complaint received 2023-03-16
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: JPMORGAN CHASE & CO. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

CitiBank has locked my account due to " fraud '' after I just asked for a new card because of past fraud they never caught. They now are saying after I verified my name, address, secret code, etc. that they CAN NOT send a verification number to the phone I have had on file for many years with CitiBank. They said the only way they can verify and unlock my card is by sending mail which will take over 7 business days to get here to verify my account.