davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/2020 I was scammed. I immediately contacted the company and asked them to cancel. They told me in order to cancel I would have to activate the certificate and send them a copy of my ID along with pictures of my debit card. I immediately called my bank and an agent canceled my card and started the dispute process. I responded to the initial request from my bank via fax with all the stuff the company had sent me. Then recently I received a packet from my bank with the merchant information provided to them. The documents contained forged signatures with my name that I never sent to that company. Initially my bank Citi bank had credited me and then onXX/XX/XXXXthey took the money back saying I never responded to their request for additional information. When I called my bank and asked if they had received my email since the I was provided with an email address I could respond to they said oh we dont have an email address I said why would they provide that to me and the agent stated well its an internal email. The call was escalated because I wanted them to pull the information to continue disputing the charge he said they could not! I have been a customer with Citi bank for 14 yrs and have never experienced such poor customer service. I am beyond disappointed and upset at how many times Ive called them and how much time I have wasted. Also the supervisors are not at all sympathetic and have no service recovery experience. It also seems that Citibank has moved their call centers to other countries for cheap labor not caring about their members!
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OK)

My Mortgage is with a servicing company called XXXX Mortgage. My regular monthly payment is {$1300.00}. However, I have been making extra principal payments to try and pay my mortgage off early. My payment now due is {$450.00}. The website or automatic phone option will not allow me to make my final payment. They are requiring me to pay {$30.00} for a " payoff '' quote. My loan is now past due and I have no option to pay it. This in my opinion is abuse. I have not asked for a payoff, I simply wanted to make my payments until the note was paid off.
Consumer complaint received 2019-05-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: U.S. BANCORP (NY)

I have tried to call XXXX XXXX US bank. Which.at first the loan was at XXXX XXXX bank. Now I have proof of fraud. Between us bank and XXXX XXXX and the dealer. XXXX XXXX sent a long letter. .I went to XXXX XXXX Friday XXXX..signed.a loan while the car was still in lease. XXXX.went back the next day. XXXX..to say I can't afford the loan right now I'm going to lease the car for 6 months but I want the car. .he said no so I was wondering why as I looked through the loan paperwork I realized he sold me the car at the price it originally was. XXXX. .and intrest.from us bank XXXX..at a  XXXX. that's.because he was frauding.me. .because XXXX  XXXX who originally.had the loan who I spoke too told me if you can't afford the loan we will not give the loan. ..so I called the dealer to explain again that XXXX XXXX will not except loan. And that I wextended the lease and signed the extension lease and payed. AND XXXX XXXX told me they won't except the loan. .they cashed my check and the loan. .I have apaperwork from XXXX XXXX. .very devastating for us bank and XXXX  XXXX and the dealership. .I WILL BE WRITING THE ATTORNEY GENERAL. XXXX..XXXX. ..THESE.COMPANIES MUST HAVE ACCOUNTIABILITIES.FOR THERE ACTIONS. THEY MUST BE INVESTIGATED TO THE FULLEST EXTENT OF THE LAW. .THIS IS A PRACTICE THEY HAVE BEEN WORKING TOGETHER FOR A LONG TIME. ALL THERE RECORDS MUST BE PULLED
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

These accounts were XXXX  opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these XXXX items off my credit report. Thank You! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/ XXXX XXXX XXXX  Balance {$57.00} Acct Number -- - Date Opened XX/XX/2020
Consumer complaint received 2020-09-19
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (RI)

This is my 3rd complaint against Wells Fargo. I am trying to refinance my loan in a condo building in XXXX XXXX, Florida. I currently have my mortgage with WF and have for the last 10 or so years. All I need is a rate reduction and have been trying to do so for the last 8 months only to get the run around. They are saying the collateral is insufficient per investor guidelines, interpretating this they are saying the density exceeds allowed local/state requirements. I received a letter from the city of XXXX XXXX, I am attaching the letter, it states " Should the damage or voluntary removal of a portion of the structure not meet the aforementioned thresholds the structure may be rebuilt subject to the originally approved site plan ''. Wells Fargo is misinterpreting the letter and denying the refi. This is not a new purchase but a refi through the HARP program. They are also using the investor '' XXXX XXXX '' as the bad guy and XXXX XXXX has only said it is the servicer to make that decision. The condo association has ample insurance for the exterior and common areas, as well as I have ample insurance for the interior if and fact such a disaster should happen. Wells Fargo 's position is so Ludacris that if such a disaster occurred and if the city used new guidelines not the originally approved plans only a select number would be able to rebuild and the rest would be out of luck, I DO NOT THINK SO. It makes ZERO sense and the city did extensive research and concluded it can be built to the original approved plan. My other complaint with WF and they are COMPLETELY evasive with answering this, they refinanced another unit in the building in XXXX. Florida has every record that is recorded online and is public knowledge. All you have to do is go to XXXX County Property Appraiser '' Copies of recorded deeds and mortgages related to XXXX properties are available online at the XXXX County Records Division website. You may search for deeds, mortgages, liens, release of liens, court judgments, condo declarations, and various other recorded documents on their website ''. This is public information, Wells Fargo when I asked the specialist last time said " it has nothing to do with me ''. It has everything to do with me. We have the same address, same HOA just live in different units. Again, I am being discriminated against, a refinance with resolve this issue. Why is this so difficult?? My current rate is 6.75 % and it seems obvious that WF is cashing in on the interest and has made no effort to help me. The HARP program is suppose to help people, not hurt them
Consumer complaint received 2022-11-18
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)

You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm really beyond bothered. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt but look how far weve gone! Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like you to delete the account below from my file : XXXX XXXX  XXXX
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (HI)

in XXXX of XXXX, we applied for and received special 0 % financing on a brand new XXXX XXXX of exactly {$2800.00} that was purchased thru the online XXXX XXXX. 

the special promotional financing was for 18 months on a Barclays XXXX credit card. 

between XX/XX/XXXX and XX/XX/XXXX ( the 18month term ) i made {$6300.00} total of payments, which i assumed that they would apply my payments to the promotional financing but on XX/XX/XXXX Barclays charged me {$600.00} of interest. 
this is the full interest charge of 13.99 % because they said i did not pay of my special financing, i have made {$6300.00} worth of payments and they claim that i did not pay my special financing i have been going back and forth with the company and am highly upset. i lost my income due to the pandemic, and to have this fraudulent interest charge to me is a slap in the face i have 18 pdf statements as proof, and have a pdf of all my payments. i am hoping to receive some assistance on this matter before this unscrupulous company destroys my credit
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX / XXXX Balance XXXX $ Acct Number -- - Date Opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number -- - Date Opened XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (TN)

recently I di an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items tht your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (MD)

On XX/XX/2020 I received an e-mail that informed me that I needed two forms of ID after I attempted to close my credit builder account with Self Financial. The e-mail stated that Self Lender 's banking partner requires two forms of ID to close the Credit Builder Account and to close the Secured Credit Card. I submitted a copy of my driver 's license and informed them that I could not send a copy of the debit card they were requesting. As of today I have not received the funds that are in the account and I am not able to " close '' this account due to the fact that this bank is asking for a photo of a debit card that I no longer have. I recently submitted two forms of ID, My driver 's license and a photo of a debit card that is linked to a current checking account. I received an e-mail today stating that the compliance department still needs a copy of the exact debit card that was previously requested, which I do not have. I have already submitted those two forms of ID and I am still not able to get this account closed.
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (CA)

I have been working with Mortgage solutions of Colorado since my original submission from XXXX & XXXX of this year to resolve in loss mitigation options. Unfortunately, I feel neglected during this process as I feel as my responses and compliance with all requests are not being taken into consideration.
I am being requested to re-date certain applications, where they have failed to review in a timely manner. Why is it that I am in fault for documents that have been outdated due to their negligence?
Consumer complaint received 2022-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

Refer to Complaint Report # XXXX Convergent Outsourcing informed me in their response that they had closed the account on their end, sent it back to the original creditor ( XXXX XXXX and would not be taking further action due to this being a fraudulent account opened in my name/identity theft. This account had already been resolved with XXXX  & XXXX XXXX XXXX which is who XXXX XXXX the original creditor ) gave the account over to try to collect on. It was off of my credit report, and settled. I believe Convergent tried to collect a fraudulent debt they werent given since XXXX told me they never gave it over to that agency. I believe they are still trying to collect a fraudulent debt from me after this statement. Yesterday, they marked the fraudulent account on my report as late and negative which dinged my credit score further. They now know this debt is fraudulent & due to identity theft, and the agency is still trying to collect it. I would like to see the agency close the account as they informed me in the response to this complaint, and halt communication with me. I would also like to see this company audited. They are participating in fraudulent collection activities.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (IL)

I have a Home Depot Fortiva credit card. I prefer paying my bills with my bank " XXXX XXXX '', it is safe to use. I made a payment on XX/XX/2020. The bank put it through, and it is marked as processed. They are sending me non payment notices. I called and they said they don't have it. I faxed them a copy of the payment, I mailed them a copy of the payment. Now they are reporting it as a missed payment. I also automaticly made another payment on them XXXX of XXXX. I am getting calls, text messages, emails of non payment. They do not speak english well which makes it hard to talk to them. They actually told me, You should only pay on our website. I do not trust payments on websites that is why I use my bank or XXXX. Please help me they are ruining my credit.
Consumer complaint received 2020-09-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

It looks like I have more late payments that they are supposed to be. Since getting a new job on XX/XX/2020 I have been able to pay on time every single payment. Right now I have automatic payments so I dont missed a payment ever again. I am trying to buy a house and those late paymetns are not letting me get approved. I had some financial problems that caused me been late on some payments. If you guys can erase those it will help my credit go up and allow me to buy my first house. I promise I will never be late again. With my new job and now me been more responsible I will guarantee you I will make every payment on time. Please consider this. Thanks
Consumer complaint received 2022-04-05
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: OneMain Finance Corporation (KY)

XX/XX/2022 DID NOT GIVE PERMISSION TO ACCESS MY CONSUMER REPORT NOR DID I GIVE THEM CONSENT TO ADD INACCURATE INFORMATION TO.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (HI)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-09-19
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: EQUIFAX, INC. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (FL)

For several months I have been in constant contact with new servicer - Gregory Funding LLC ( further - GF ) based in Oregon regarding modification application started with previous servicer - XXXX  XXXX XXXX ( XXXX  ). GF stalled my application by asking to resubmit documents which the firm already had from me and XXXX. Most recently, in XXXX of this year, based on suggestion of GF representative, I submitted a written request to consider my offer due to several conditions worsening the current situation including coronavirus. On XX/XX/XXXX, GF 's representative XXXX informed me that my letter had been registered and because they considered it a qualified written request, they would provide a written response within 30 business days. I called several times since to follow up but got the same response each time : " your request is under review '' by " investor '' or a special department. My last call was on XX/XX/XXXX, when rep XXXX again informed me that " it is being discussed with investor '' and " it is still under review ''. I asked her to make a note of the fact that it has been longer than 2 months and this violates my consumer rights and I will complain to Federal government about this violations. I also suspect dual tracking violation.
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (KS)

Submitted a credit report entry dispute related to XXXX Complaint XXXX ( XXXX XXXX XXXX ) to Experian by letter dated XX/XX/2020 stating that the debt collection company failed to provide, and has admitted they can not provide, the legally required " Validation '' information to support their claim. The letter incorporated CFPB example letter text, plus known federal/state law requirement criteria. All communications to and from the debt collection company were included in the information submitted to Experian. 

As of this date, XX/XX/2020, Experian has never replied with a response ( 82 days ).