davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

New complaint with evidence I opened account that was targeted to me to receive XXXX bonus XXXX emailed XX/XX/22. Citi bank has poor communication skills and does not respond to clients in writing to confirm all details but phone records will show I was targeted and confirmed to receive bonus. Citi is smart to not send critical information so they can escape culpability for their errors and mistakes but I was emailed I was confirmed to receive XXXX dollars if promotion was met which it is was dutifully! I followed all directions including directions of verification of account that was never stated when opening! Citi bank is fraudulent! I want my XXXX dollar bonus I earned asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or listen to our phone calls. She confirmed I met qualifications. Please stop lying about this situation. If you listen to the phone call on XX/XX/22 I confirmed I was eligible and targeted with that bank rep prior to opening.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

I had bank fraud committed on my checking account with Chase for over {$1800.00} in ATM withdrawals by a thief. I reported it to the banks fraud department and filed a police report. They gave me a temporary credit and in 6 days took it back. The only thing is MY money was still stolen and they took my social security money. It is still overdrawn and my son, who is on my account, receives his XXXX check on the XXXX of the month and they will take that as well. This is social security AND XXXX and I do believe that is illegal. I don't know what else to do to my knowledge. Once you go to the police, what's left??? I did send emails to XXXX XXXX XXXX, the XXXX of Chase and someone in the XXXX office did respond, but did nothing. I still haven't heard back from them. I am the victim in this XXXX XXXX state and now I'm being victimized by the bank that is supposed to protect their customers. HELP ... ..I am desperate and don't know what to do. I am going to see about suing them, JUST to get my rightful money back, nothing else. I need help ... ..is anyone out there? I am also filing suit with the Attorney General 's office in this state for all the good it will do. Someone out there has to be humane enough to help and point me in the right direction. I'm going to blast them all over social media as well.
Consumer complaint received 2018-06-14
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. (GA)

Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX, Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX, I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report.

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX XXXX XXXX has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.
Consumer complaint received 2020-07-15
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 (IL)

This is a follow up complaint to a previous case. 

Capital One Case : XXXX CFPB Case : XXXX In XX/XX/XXXX, you helped me obtain a resolution concerning a pair of accounts ( ending in XXXX and XXXX ) that Capital One reopened against my wishes. Their justification for doing so was that the joint owner of the account requested it be reopened. I had paid off the account in XXXX for the specific purpose of closing the account - the joint owner had no income and used the account without my knowledge. 

As a result of COVID and being out of the country, I lost track of the account that wasnt paid off in XX/XX/XXXX. Though they considered me joint owner, I received no statements, had no online access, and received no phone calls, letters, or other notification regarding the balance. 

On XX/XX/XXXX, Capital One reported a late payment on my credit report, reducing my credit score by 40 points. I am in the middle of applying for financing for my new business, have an automobile lease renewal coming up, and am preparing to apply for student loans for my child. The negative impact of their reporting is substantial. 

The day after I received notification of the late payment reporting, I called Capital One and paid the balance in full, over {$1000.00}. I asked why I was wasnt notified of a balance. They said that I was not the PRIMARY cardholder. How can I be a JOINT cardholder, held responsible for someone elses actions, yet I dont qualify to be notified when there is an issue with the account?
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (MD)

In XXXX of XXXX I opened a credit card account with XXXX. The literature that was mailed to me stated that the initial credit limit of {$700.00} would be doubled after seven months if the account remained in good standing. That is, no late payments were made on my part. I called XXXX  in XXXX to ask when my limit would be doubled. The representative informed me that since all payments had been made on-time, the credit limit was set to be doubled in XXXX. After I made a on-time payment for XX/XX/XXXX, I noticed that the account limit was still {$700.00}. I called customer service and was informed that my account limit would not increased due to the fact that it had briefly been over the credit limit. I responded that this was not part of the original contract and reminded the representative of my earlier conversation with a XXXX agent. She then informed me that since my initial credit limit was under {$1000.00}, my limit would double after ten months, in XXXX of this year. She completely omitted the over-the-limit issue. Again I reminded her that I had spoken to an agent who indicated that the limit would be doubled in XXXX. The representative was very rude and constantly interrupted me. I informed her that I would report this matter to the CFPB, the FTC, and my state 's Attorney General 's Office.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (SC)

I have a different amount showing on my credit report than what i bought. i have called multiple times with no regard for the fact that they have incorrectly reported two different amounts and they are both incorrect. i want it removed from my credit completely!
Consumer complaint received 2020-07-15
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: TD BANK US HOLDING COMPANY (NC)

I was listed as an authorized user on an account, ( TD Bank credit card ), in order to help a woman who was physically unable to do her own shopping or fill her prescriptions. Now, years later, I find {$21000.00} in charge-offs for that card showing up on my credit report and damaging my business credit. 

I was never an account holder, simply an authorized user. 

Disputed with no results.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

We have 2 futurniute accounts with Conn 's and both my husband I keep get phone calls. We have made a current payment which made the both account. My husband has spoken to a supervisor about this two weeks ago and was told that is payment would like the account current We need to change the due date and now they would change the dates .and the rep won't put the current Infomation in the notes. My husband fell behind on the payment because he changed job they would told. This both my husband and are so tried of telling this people this.and they won't do the right thing and they keep calling demand payment and asking for my husband credit card for payment.and when I tryed to ask for Infomation on this account I was told that I had to file out a form am on both account. Both of us are tried of hassarring phone calls.my husband get paid monthly now not bi weekly an they can't seem to get though thier heads
Consumer complaint received 2020-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

I previously filed a complaint with the CFPB on XXXX. Complaint # XXXX. It was supposedly resolved on XXXX. They promised to correct their mistake and remove my information from their files. They promised me personally over the phone on XXXX as well as your Bureau on XXXX. 
They have started to contact me again on XXXX. This was an email from XXXX. They demanded I contact them by XXXX XXXX today to make payment arrangements on account. As you can see from previous complaint, I have NEVER had a student loan my entire life. Obviously they are harassing me and does not worry about CFPB doing anything to them. Maybe something can be done this time.
Consumer complaint received 2021-04-23
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: CAVALRY INVESTMENTS, LLC (CA)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX 2.Cavalry Port I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Hello the following charged off account has been reported as income to the IRS. XXXX account XXXX for the amount of {$6500.00}. 

According to:1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have not given permission for my income to be reported on my credit report. Please remove or delete the account that is reporting my personal income. Thank you.
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NC)

This {$200.00} debt was for a medical bill that was paid in full in XXXX of 2020. Statement of the bill was received in XXXX of 2020 and the bill was paid. Radius Global refuses to remove it from the system so it continues to show up on my credit score as a negative impact. My credit score of XXXX is brought down to XXXX because of this. I am a XXXX constantly caring for others but human decency isnt shown for us. I had asked that Radius Global remove delete this from my file since I do not have anything else negatively impacting my credit and they refused. Because of this I am unable to refinance my home which would bring down my monthly mortgage payment so that I can afford other things for my children. I have requested that radius global remove/delete this from my account but they refuse. There is no reason to purposely hurt someone elses credit and cause them to struggle financially. Especially if the debt has been paid.
Consumer complaint received 2017-01-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (VA)

HomeBridge Financial Services reported a negative account to my credit file, which means Bankruptcies, liens, garnishments and other judgments. This significantly dragged my credit score down and would stay on my credit file for at least XXXX years. Because of this, I failed my application to buy my dream house. This was totally inaccurate and unprofessional. I 'd like to provide all the correct information below. 
**** HomeBridge Financial Services started my mortgage loan on XX/XX/2016. I paid {$4400.00} in XX/XX/XXXX to cover the period from XX/XX/XXXX to XX/XX/2016 by check. The monthly payment was {$2000.00}. I set up a monthly ACH drafting in XX/XX/XXXX, and I received a confirmation letter that shows the ACH drafting autopay has been effective on XX/XX/2016. Then HomeBridge auto charged the amount of {$2200.00} on XX/XX/2016 from my bank account. 
On XX/XX/2016, I received the letter to notify me that HomeBridge has sold my loan to XXXX XXXX, and it would be effective XX/XX/2016, which means the payment I just paid on XX/XX/XXXX was the last payment to HomeBridge. In the meantime, I received a bill from XXXX on XX/XX/2016 to ask for {$2200.00}. I sent the check to XXXX as well, which ended up with I paid {$2200.00} twice in XXXX. Other than that, I never stop the autopay with HomeBridge, so if there 's a bill there, they would auto charge my money from my autopay account. All these above just shows that I always take my responsibilities, and never paid my bill late. 
However, HomeBridge reported me a negative account on XX/XX/2016. On that day, the new loan mortgage XXXX already collected XXXX months payments from me. How would they report me a negative account?! I have kept all the transactions in record, monthly payments from my bank account in pdf file, the auto pay confirmation letter form HomeBridge, and the letter when they sold my loan to XXXX. 
I was applying for buying another house, but the negative account reported by HomeBridge horribly affected my application. I really like that house, but I can not get my loan application approved since the negative account. So I lost it. 
I contacted HomeBridge Financial Services office several times at XXXX, and left many voice mails, but I got no response from them. 
I 'd like to provide all the documents I have kept. And I need HomeBridge to give me a solution how they pay my damage caused by them due to their errors.
Consumer complaint received 2021-02-27
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)

I disputed the following unauthorized inquiries due to identity theft on my credit report to Equifax. I also submitted to them a copy of my report to FTC about fraudulent inquiries. After the investigation, these unauthorized inquiries remained on my report, which are preventing me from obtaining new lines of credit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX - EQUIFAX XXXX XXXXXXXX -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX EQUIFAX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX
Consumer complaint received 2020-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Bank of American and XXXX, XXXX, XXXX   credit bureaus. 
I purchased a XXXX XXXX financed by Bank of America in XX/XX/XXXX. The vehicle was a total lost on XX/XX/XXXX. BOA reported my credit as 30 days late for both XXXX / XXXX XXXX. I had a GAP Policy that covered this vehicle, which I was told when GAP pays it will be reported as paid in full. However, BOA is reporting it as a late payment for XXXX / XXXX. I dont think it should be on my report, after the had already received a check from GAP for this balance. Since then, BOA has financed another vehicle for me, but reporting this one as being 30 days late for XXXX / XXXX on my credit report. If I would have known, BOA was going to report this late fee on my account for a car that was totaled in XXXX. I NEVER would have financed anything Else with BOA. I have reported supporting documentation of confirmed payment. We are in the middle of a pandemic, the process with GAP may have been slower than usual due to the pandemic, but its unfair to make me suffer for this catastrophic. This is poor business in a ROCKY pandemic world. I have never had a late payment on my credit report and I am appalled at the action of BOA. This makes me sick to my stomach. I am asking BOA to remove the false statements made on my report. BOA received payment from Travelers in XXXX, but continue to try to collect payment from me. Please see attached documents. I will not stop until there is a fair decision made on this manner. Thank you XXXX XXXX.
Consumer complaint received 2016-04-21
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: GVA Holdings, LLC (MI)

XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong. The info they had was opposite, I was unemployed, homeless, and bank was at close to {$0.00} balance with no automatic deposit. Now it way overdrawn and in the negative. XXXX for {$700.00} ; North Star Finance for {$400.00} ; and XXXX for {$520.00}. I ca n't even get a credit card and how these were even approved, I do n't understand.
Consumer complaint received 2018-06-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: RoundPoint Mortgage Servicing LLC (TX)

XXXX XXXX and XXXXXXXX XXXX  sold XXXXXXXX XXXX fraud, corrupted and scandal VA Loan to Round Point to collect and foreclose my home. 
In which on XX/XX/XXXX till present VA Loan is a fraud in which XXXX XXXX was notified and they still accepted the fraud, Scandal and corrupted VA Loan from XXXXXXXX XXXX of Texas on XX/XX/XXXX. 

First Round Point investors is trying to collect {$260000.00} from me, because Texas collection Laws defends and supports billionaires lenders like Round Point. 

If lender wants to settle and get the house back, they can just provide me what I have stated on various file complaints. 
XXXX XXXX, XXXX homes builders, XXXX XXXXXXXX XXXX and now new Va lender Round Point Mortgage are are Discriminating, Retaliating and Harrassing me because of my Military Veteran and XXXX status. 
I am XXXX, Retired .Divorced since XXXX and I leave alone in my home since XX/XX/XXXX till Present.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NE)

MOHELA has been processing my income driven repayment plan paperwork since XXXX. I requested to be placed on the new SAVE plan, and I have been placed on the incorrect ICR plan with high payments. I have tried to speak with a representative about my high payments, and they just said that I need to make the payments while the paperwork is being processed. I was temporarily placed on an adminstrative forbearance, but my issues were not resolved during this time. I don't understand why this company was chosen by our government to handle public service loan forgiveness. They have proven themselves to be incompetent and XXXX XXXX to handle the situation.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX