davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WA)

I am writing to dispute the seemingly illegal action taken by CITI bank against my savings account. On XX/XX/2023, my account was blocked without proper explanation, and I received an email from CITI informing me that my account would automatically close within 60 days, as they claim that I have violated the terms of my account per the client manual. 
However, I strongly disagree with this claim. My account was opened on XX/XX/2023, and I have not violated any terms of the account. In fact, I even spoke with a CITI bank customer service agent just XXXX day prior to the account closure and was not made aware of any issues with my account. 
I have attempted to find out about the reason for the CITIs action and resolve this issue with CITI bank, but have been met with significant resistance. Despite being passed around to numerous departments, I was only able to reach the Account Take Over ( ATO ) department, which refused to provide me with any meaningful assistance. They repeatedly stated that there is a mandatory wait time of up to 60 days, during which time I would be unable to access my funds. They also refused to provide me with a reference or case number, despite my repeated requests as well as they refused to connect me to any higher management level / department where may be able to investigate it sooner.

As my account contains {$140000.00} in funds, I can not accept waiting for two months without access. Therefore, I am ungently disputing CITI bank 's decision to block my account without providing me with a clear reason, and then forcing me to wait for a period of 60 days without access to my funds. I believe that this action is unfair and unjustified, and I am seeking a resolution to this matter as soon as possible. 

Thank you
Consumer complaint received 2020-12-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (OH)

I closed my savings account with Synchrony Bank years ago, but I keep receiving emails from the bank saying my statement is ready. Ive called multiple times to confirm my account is closed, which is confirmed on the calls. When I inquire why I keep receiving statement ready emails, the bank says they dont know. There is no way for me to unsubscribe, and the bank says theyll look into it, but I keep receiving these SPAM emails I dont want, and are not helping to service an account since the account is closed. I want these emails to stop.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (NM)

I have an auto loan from MERCEDES BENZ FINANCIA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called MERCEDES BENZ FINANCIA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and MERCEDES BENZ FINANCIA with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-07-03
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 submitted a letter to the 3 Credit Bureaus last XX/XX/ to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (LA)

In XX/XX/XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, Ditech decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust Ditech. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to Ditech in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now Ditech is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of Ditech 's incompetence. Or are they just being vile? Ditech has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.
Consumer complaint received 2022-11-19
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. (IN)

This creditor has failed to validate a late payment. The refused to send me anything in the mail to validate this debt. XXXX and XXXX removed this account due to an error. This company has not been able to validate the debt. Ive noticed Ive been violated pursuant to the FDCPA, there is evidence of the use of abuse, deceptive and unfair debt collection practices. These practices resulted in infringement of my intellectual property rights. According to 15 USC 169c ( c ) ( 2 ) and 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states consumer reporting agency CAN NOT furnish an account without my WRITTEN consent and I am demanding all of the following : -Stop illegal negative reporting to ALL consumer reporting agencies and report positive reports or remove this account from my consumer credit report. Remove late payments from XXXX of 2022 -Balances XXXX  out every month -XXXX XXXX
Consumer complaint received 2021-09-08
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. (TX)

Jpmcb Card Dpt EdXXXX 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 2020-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc. (CA)

ROZLIN FINANCIAL GROUP HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$1900.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

Our complaint is that while we paid Ocwen mortgage on time every time, out of no where we get a 1098 for only {$XXXX} I am not sure why they can get away with it but Ocwen constantly changes ( 4 changes out of 6 years??? ) our 1098s without any acknowledgment of what or why??

The letter attached shows that we had paid per agreement {$XXXX}, in interest Then Ocwen proceeded to do an " audit '' and keep/take {$XXXX}. We were never told 1. That they did the audit 2. What was decided by this " audit '' 3. Where the money went ....

We have tried, multiple times to ask where this money went but the problem is Ocwen then sold off our note to PHH ( they are in business together ) so when we asked, they only say " not our account '', and since they did not pay the taxes ( PHH had the account for escrow ) We only realized the extent of the problem when we only got a 1098 for {$XXXX} from Ocwen, and {$XXXX} from PHH in 2020 1098s for. We are missing {$XXXX}. minimum as our average 1098 is over {$XXXX}, so we keep asking where is it? We paid you over {$XXXX} in interest and Ocwen can not just say an audit happened.no explanations where the money went.

I have no idea why they bring up who paid the taxes since we are talking about ( at least since this audit gave us NO IDEA what was up ) this is interest expense, not escrow.

We have set up a transfer to another mortgage company as Ocwen is too much work trying to keep track of the money they move and don't tell you where it is going. We need the money back please, I have attached the letter from them showing they have no explanation of where the money went also a crude excel print out of the previous examples of 1098s, and how can they be so for off? So often?

Also you fix a {$25000.00} +/- problem with Ocwen earlier this year and we can not thank you enough!
Consumer complaint received 2018-02-17
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 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian, XXXX, XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I already talked over the phone to att to advising that this account was bundled to XXXX XXXX and it was pay off to XXXX XXXX. XXXX reported twice to my credit but they do not have the rights because this account was paid off.
Consumer complaint received 2021-09-08
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: Chime Financial Inc (MD)

I was purchasing a motor scooter with a company out of California called XXXX XXXX XXXX XXXX. Using their lay away payment program. I made the initial payment of XXXX which is the shipping fee. I then made two more payments one of XXXX another XXXX first payment cleared my bank chime acct other two were pending hit next day but were declined because my bank put a merchant block on. Called bank they didn't give me reason why. I then look XXXX XXXX XXXX up on XXXX XXXX XXXX there were complaints after complaint that this company is a scam. So ive tried getting refund back with company but no luck. I tried filing a dispute with chime but yhey refuse to do dispute because one i authorized transaction two i hadn't pd for the complete total of item and not being delivered my argument with bank is they put a merchant block on that company therefore keeping me from making full purchase amount agent tgen wa going to see about removing block so i can finish making pauments on full to a company known to be a scam and my bank chime apparently also knows the company is a scwm or why else put a merchant block on. To be ably to do a dispute for XXXX dollars which i think if allowed by bank to knowingly keep making payments to a company known to be very fruandulant is just stupid so you as cinsumer can fike a dispute. I think chime because they put a merchant block on keeping me from.fullfilling payments should allow for dispute to get refund of the XXXX they allowed to clear they knowingly allowed one paymebt to go thru before applying the merchant block therefore they should be held liable for saud amount
Consumer complaint received 2021-09-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Neighborhoods United, LLC (PA)

I had paid off the property and they still have not sent my deed to be recorded the lender seems to have taken care of everything on his end AHP servicing is supposed to record the deed and has not been done yet. The property was paid off XX/XX/2021.. I have contacted a XXXX XXXX numerous times to take care of the issue they are not returning my phone calls ahp servicing # XXXX slow Mo is The gentleman in charge!!!
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

For myself and my wife, Equifax is showing a balance due still for this mortgage that we had a completed XXXX for. As of XX/XX/2015 the owed balance should be {$0.00} no more late payments after that date. 

They however still show a balance due of over XXXX and over XXXX as " past due '' XXXX XXXX  XXXX and Equifax have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XXXX of this year ( 3 year waiting period )
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

On XX/XX/2021 I sent a debt validation letter to IC systems and got no response from them they had 30 days to respond by law they failed to provide me with documentation to prove that the alleged debt belongs to me. They received the certified letter on XX/XX/XXXX its been over 30 days and no response. This is affecting my credit worthiness I want this removed of all the CRA 's immedietely or I will be pursuing legal matters on this matter as a federally protected consumer. 


you will find the proof of the certified letter, proof of the company received the letter and never responded within the 30 days.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I am making a formal complaint against my mortgage servicer due to the negligent practices in handling my loan. I had a financial hardship about a year ago and fell behind on payments. I called my mortgage servicer numerous times to find out what I could do to help bring the loan current. I was never told about modification options available and I am now facing foreclosure with a pending sale date of XX/XX/18. 

I had one modification done several years back and was completely unaware that I may apply for another one. I believe my mortgage hold intentionally withheld this information until it was too late for me to apply. My property has equity and I am now being told there is nothing I can do to save my home except cure the full past due amount of {$14000.00}. I was never sent any documentation regarding hardship programs. I was not given any helpful information over the phone or offered the time to speak with someone regarding my hardship except to make payments. 

I am now working my regular job and can not afford to loose my home. I am requesting that Ditech Financial stops or postpones the sale date and allow me the opportunity that I was denied to cure my account with a modification.
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (TX)

FCRA Violations ; not mine ; Numbers, addresses, and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily Account name XXXX XXXX, XXXX. 
Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Account name XXXX  XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX
Consumer complaint received 2018-11-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I would like the CFPB to make me a spot check of the abuses going on with the servicers and investors in the rapacious mortgage industry. 
I truly believe I have now PAID {$320000.00} of {$580000.00} I DO NOT OWE and lost a duplex to wrongful foreclosure. There are deeds of trust recorded with duplicate releases and subordination agreement to mortgages I have paid or never had and assignments of deeds previously paid. I believe I have paid debt buyers for credit cards that were first of all prepaid from my escrow account repaid in the payments I made to the cards AND finally discharged in a bankruptcy I did not need on debt I did not have. Disbursements were added to the mortgages first to the property I lost because of it and then added and now paid to the modification of home loan. Finally I also believe claims were made to a XXXX XXXX seasoned trust that they thought I owed and paid and then transferred to another servicer. 

I borrowed {$210000.00} in XXXX. I have literally paid {$720000.00} to principal. 

I had an {$82000.00} line of credit that was extinguished -because it was paid. 

I owed {$43000.00} for my duplex in XXXX paid {$70000.00} and owed {$53000.00} at the foreclosure for the {$13000.00} added in a refinance. AND I believe was already included ( addeded into my home loan by XXXX XXXX-one of the companies paid twice ). I believe another loan I owed for a property I had sold with a wraparound mortgage was attached through subordination agreement to the duplex and didnt count the {$47000.00} I believe I overpaid and was never mortgaged and I did not owe to anyone. 
I have submitted mounds of documentation to the Cfpb and made 2 submissions to the independent foreclosure review. ( That SPS can not provide and XXXX XXXX and XXXX did not provide and XXXX XXXX has yet to provide ) I was included in multiple class action suits administered by XXXX XXXX and have received exactly {$0.00} in compensation or restitution from XXXX XXXX.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I filed a complaint ( # XXXX ) with the CFPB regarding WELLS FARGO on XX/XX/XXXX. On XX/XX/XXXX the company responded to my complaint but did not include any of the documents asked for in the request for debt validation in the debt validation letter inside the files sent. Also there is still an unrebutted affidavit of truth stating all federal FDCPA laws broken by this company through the use of illegal debt collection practices. I also attached inside a schedule of fees to go along with those violation broken by the company. I will resend all those documents. The company also received all these documents certified mail, which means I should be receiving a return receipt which I have not received yet.