davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (CA)

This is a multi-part problem with Citimortgage. XXXX XXXX XXXX XXXX. covered my total XXXX for 9 years, but refused to honor my XXXX policy for vocational rehab, so I lost 75 % income overnight and got into financial trouble. That left me with Soc. Sec. XXXX and Calif. Dept. of Rehab. Calif. has poor enforcement of XXXX insurers, no atty would take a case for 4 years of voc. rehab benefits. I fell behind on my mortgage. Keep Your Home Calif. would not help me because they illegally count XXXX income as net income ( there is no taxation for this income, thus, it should not be reduced for withholdings ). Citimortgage would not allow me to refinance to a lower interest rate ( I was at 6 % and rates dropped to 2 % ). I could not get a loan mod. My XXXX income date fell 2 days after my mortgage pmt so I was always late, accruing $ XXXX/mo late fees. I caught up on the 2 missed payments and begged Citi for a new payment date so I was n't always late, but I never missed a payment. As a compromise, XXXX XXXX, of Citi 's Executive Unit said when I sold my home she would reimburse me the late fees. I sold my home XXXX and no one in the Executive Unit would honor her promise. She no longer works there. After I sold my home ( not a short sale or foreclosure ), I paid off the mortgage in full. I did not file for bankruptcy, nor did they reduce the payoff of the mortgage. I have moved 5 times since I sold my home trying to start a new life and continue on in school ( vocational rehab ). I only found out a couple months ago, Citimortgage reported me to the credit reporting bureaus as a foreclosure. I file the correction, but they refuse to take off the 2 missed payments from 2011. I feel Citi made me pay late fees for my " mistake '' of late payments. I now feel they owe me for their mistake of reporting my total payoff of my mortgage as a foreclosure -- it cost me a bad credit for over a year ( until I discovered it ). They refuse to apologize or discuss honoring XXXX XXXX 's promise as a compromise. This has made it hard to re-start my life. If they can dish out punishment for mistakes, they should also have to pay for theirs. Thank you for listening to my views. ALSO, DO NOT BUY XXXX INSURANCE UNTIL THERE IS ENFORCEMENT BY STATE GOVERNMENTS. CALIF. DEPT . OF INSURANCE REFUSES TO ENFORCE XXXX BENEFITS, LEAVING TAXPAYERS TO PAY AND CAUSING THE XXXX TO LOSE THEIR HOME.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (FL)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have viola
ted my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Cr
edit bureaus stated my account was properly investigation

but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, i did not give anybody w

ritten instructions inaccurate, and date last reported is not accurate. This ground for removal. They also violated the law becausey according to 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 m
y written instructions
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 status incorrect
Company: Navient Solutions, LLC. (FL)

Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer Navient & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2020-06-30
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. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX  XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}
Consumer complaint received 2020-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

I received a call from a representative from CONVERGENT OUTSOURCING onXX/XX/2020 about the collection of outstanding debt from XXXX. I spoke with the representative from CONVERGENT OUTSOURCING and came to an agreement that I would pay the balance with the condition of a pay to delete. The representative from CONVERGENT OUTSOURCING agreed and paid the debt immediately on my XXXX XXXX. 

Below I have attached a screenshot where the balance shows {$0.00} dollars. 

I have reached out to CONVERGENT OUTSOURCING numerous times trying to remedy the issue. I have opened disputes with the credit reporting agencies ( XXXX   and XXXX  ).
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2020, there was a fraudulent charge of {$500.00}, on this account. I've called daily from XX/XX/2020 until I filed a complaint with the XXXX XXXX XXXX on XX/XX/2020. During the calls I've had to explain to every agent the reason for my call and neither had any more information than the next agent and claimed to be escalating the claim. Any time I requested a supervisor, the agent never provided one or released the call to anyone else. During each call neither agent knew of an investigation or knew about any previous calls. I also filed a claim twice online, which I was later blocked from using. Not getting any response or credit to my account for this fraudulent charge led me to file a claim with the XXXX XXXX XXXX, which they immediately responded to and provided a generic response on XX/XX/2020 and as of XX/XX/2020, there has been no contact from this company or credit of my account. They've even not responded to the XXXX XXXX XXXX by the given deadline of XX/XX/XXXX. I've explained to them on several occasions that my spending pattern has never included such a large amount. I've looked online and also provided this information to the XXXX XXXX XXXX   where numerous consumers have complained about being scammed by this company and no solution. 
https : XXXX I've waited over 30 days. According to the Truth In Lending Act, if the actual credit card not used, the consumer has no personal liability and by law should not exceed 10 business days. Company has stated that card wasn't used, that it was paid as checking, which I didn't authorize. 

I would like a full refund of {$500.00} that this company withdrew from my account, without my permission. I never authorized withdrawal for this amount on this account and any time.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VT)

On XX/XX/15 I was traveling back to the XXXX from XXXX on XXXX XXXX. During flight two charges were made one in XXXX XXXX and one in XXXX. Given that XXXX is 2200KM away from XXXX, and I was flying north, it is physically impossible for me to have made the charges. The two charges equate to {$860.00}. My flight left from XXXX at XXXX and we were at the airport at approximately XXXX. The flight went from XXXX to XXXX. The charges took place at XXXX and XXXX on XX/XX/XXXX, while I was in flight. 

I immediately contacted USAA when I saw the charges and several days later received a notification that the charges were legitimate. Again, this physically impossible that I could have been 3 places at once. 

USAA is doing very little to work with me and see they will get back to me but, it will take up to five days. They are not allowing me to speak to senior mgmt or their fraud department. I have uploaded supporting documentation showing them I was in flight and they continue to fail to work with me. This is unacceptable.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, a phone call from the number XXXX XXXX XXXX, a woman says she is form CITIBANK, without the verification of the identification of the phone-caller, she asked me about my mother 's work. I replied her that My mother works for the government in XXXX and I could not tell you the detail now, I need to ask my mom, and we met an agreement that she can give me a phone call later in the next day. They didn't call me later at all and list my mom as dangerous person, then they locked my account ( debit and credit ) without informing me, which is unreasonable. I am angry! The CITIBANK CHECKING ACCOUNT is the only one I have in US and I am on my road trip, I couldn't even fuel my car.

Yesterday I have already replied them and they tell me there should be another 4 business days to process it. I have more than 17 thousands dollar in my account and I could not do anything including pay for my CITIBANK CREDIT CARD, AND THEY WILL CHARGING ME IF I DIDN'T PAY IN TIME. 

There should be not rights for them to ask my privacy such as my mom 's work. It's very nice to agree CITIBANK to give them my mother 's working information.They not only collect my information illegally but locked my account illegally. 

If The CITIBANK just want to collect my information, why don't they give me a phone call first and then give me an email or a URL to fill-out a form at the beginning? That would be clear if you really want my information in detail.
Consumer complaint received 2020-04-21
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (WA)

Citi Bank closed my credit card after agreeing to dismiss all charges with a hardship case due to medical issue. The executive office granted this to me. However they continue to report late payments and claiming I owe Over {$3000.00}.
Consumer complaint received 2023-02-07
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. (DE)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

BankruptcyXXXX  XXXX BankruptcyXXXX  XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MI)

On XX/XX/2018, I authorized XXXX XXXX to deduct my monthly mortgage payment from my bank account. On XX/XX/18, they deducted two payments from my account causing and overdraft. I contacted them about the error, I was told to provide screen shots of the double payments, which I did. When I advised them that I had non-sufficient fees accessed on my account they stated that they would refund the fees. I sent them screen shots and emails of the total NSF Fees of 58.85. 

Now I am being told that this information is not enough they need copies of my bank statements in order to refund my money. I advised them that they didn't need my bank statements to take money out of my account that they were not authorized to take. I am being given the run around, if they are doing this to me then they are doing it to thousands of others. I want them to return the NSF fees refund the same way the fees were caused and provide documentation to my bank and credit bureaus of their error. The are trying to send me a check in 15 days and then I have to try and get it cashed. This is fraud.
Consumer complaint received 2020-06-30
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. (TX)

This account is more than 7 years old and should have been deleted last year. 

1. XXXX XXXX XXXX Last reported XX/XX/XXXX {$26000.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance These inquiries I did not authorized. 

Inquiry details XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX  Inquiry from XXXX XXXX, XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/2020 ( Monday ) at XXXX XXXX, I went to see a banker at HSBC USA XXXX XXXX XXXX branch to open a checking and savings account. So, I did spoke to a banker and my checking and savings account were opened. He then offered me to apply for a credit card. I told him that I don't have SSN/ITIN and credit file in the USA and my application might get rejected since I am a XXXX XXXX and I live in XXXX. He said it is fine to proceed with the credit card application since he can verify my identity by going personally to the branch and also the fact that I am already a HSBC customer in XXXX. I handed to him my XXXX passport and my HSBC XXXX debit card as my ID documents. It was a paper application and he let me sign and dated it. He also mentioned that since I don't have a US credit file they will use my bank history with HSBC XXXX. 

A few days later, I chatted with a live agent when I logged-in to my HSBC USA online banking to check my accounts and asked the agent about an update of my credit card application. He checked it for me and told me that it was declined. It was very disappointing. 

I was expecting that they would consider my application since I am a first time customer of HSBC USA and a long time HSBC customer globally in general. I hope that the account opening team would have considered my application based on the factors mentioned above. They should have given first time customers a chance to use the credit card responsibly. Furthermore, I am not sure, however, they might be doing this because of the COVID-19 issue and is very stringent on giving out credit cards. They should have reviewed it manually rather than computer based decision. In my opinion, the decision was not fair enough. They have misjudged my application. I emailed my banker about this issue, however no response up to now.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MO)

My husband, XXXX XXXX, passed away on XX/XX/2017. Since that time, I have made every effort possible to resolve the outstanding mortgage on the property with SN Servicing Corp. I do not have the financial ability to maintain his mortgage, so I have repeatedly requested short sale consideration. SN Servicing Corp maintains that the owner of the note will accept no less than $ XXXX net proceeds for the property. Unfortunately, just as I do not have the financial ability to pay the mortgage, I far from have the financial ability to complete the repairs necessary on the property to obtain an offer that would net them such proceeds. SN Servicing corp refuses to complete an interior inspection, bpo, or appraisal of the property, such as is standard with most all other banks and servicer 's to determine the true value of the property as is. I am a widow, this is not my house or debt, and all parties are just looking to come to a mutually beneficial agreement for both the owner of the note and to resolve my late husbands estate.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (OH)

I am scheduled to close on a mortgage for a new home on XX/XX/XXXX. I haven't received an updated Closing Disclosure since the beginning of the loan process and have requested it several times. Since the beginning of the loan, the closing date has changed ( causing per diem interest to be owed ) and the appraisal has been paid for out of pocket by me. In addition, the escrow amounts have been adjusted. I need to know if I'll have enough funds for closing and am concerned. My requests for a new CD since XX/XX/XXXX have not been fulfilled. Instead, the loan officer and loan processor continue to say that they are awaiting further details in order to provide a CD,  like the HOI. This is minor and a CD can and should still be provided based on all the other changes.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

I had a fire at a home I had a mortgage with at NewRez, Shellpoint mortgage on XX/XX/XXXX. In XXXX my insurance company issued a check which paid off the balance of my loan. The loan was paid off XX/XX/XXXX. I waited till XX/XX/XXXX to call to find out where the proceeds were from my insurance company so I could begin the repair process. I was told at that time the check was mailed and I should receive it in the next few days. I still didn't receive the check and called again XX/XX/XXXX. At that time I set up with them to transfer the funds to my bank account through ACH transfer. I gave the representative the information and which point she stated I would have the funds available in the next 24-72 hours. On Friday XX/XX/XXXX the funds were not in my account. I called and spoke with 5 different representatives. I was told that a new paper check was requested to be sent on XX/XX/XXXX - I explained how that didn't happen. I was told when I called XX/XX/XXXX ( which I didn't call XX/XX/XXXX ) that I requested a new check and cancelled the ACH transfer. I was supposed to receive a call back from the supervisor Friday it's now Thursday XX/XX/XXXX and still no call back. I spoke with 5 different representatives Friday. I was then told the transfer would go through XX/XX/XXXX which was a Sunday followed by a bank holiday Monday. The money still wasn't there on Tuesday XX/XX/XXXX so I called again. Spent another two hours on the phone with 7 different representatives. Told the money would be available again today. The money is still not there. I called again this morning XX/XX/XXXX and was told the request would be put in. I am being given the runaround for the money I need to fix my home. I have no idea what to do or how to proceed with getting results here.
Consumer complaint received 2020-07-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation (IL)

This company is trying to collect on an invalid debt. Primary issue is that this is from student debt to a school that was shut down by the Attorney General for being unlawful and unaccredited. XXXX XXXX XXXX All of the debt has been forgiven. The other issue is that this collection company is not legally able to even attempt to collect on a debt to a resident of Illinois. Upon trying search for their Collection license in the State of Illinois, I discovered that they are in fact no licensed. They will say that their parent company is licensed but when pressed for the name of that parent company, the representative did not know.