davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC. (FL)

Says I owe XXXX which I do not I paid the past due rent to the courts I have proof of that.. And also Im being charged for carpet which was cleaned I have proof of that from the person/company who cleaned it I have the bill and a live video and pictures of it being cleaned and the cleaning contract. Also Im being billed saying I left items in the apartment I have live videos and pictures of the apartment being cleaned and also a signed statement from the movers that will speak in court stating the apartment was clear of all items I have live videos and pictures of the apartment being cleaned and upon moving out.. I also have a receipt and email from the leasing office stating I paid the debt also receipt from the clerk of the courts.. I will take this company to court if this false information is not taking off my credit Ive already brought it to an attorney and Ive been told that I have a case and I will sue for damages that this false information has done to my credit. Ive spoken to the Park at XXXX management and was told that they have nothing to do with the case anymore and that I have to file charges against the collection agency which I will do its against the law to file false information on someones credit report and I will sue for damages if this false information is not taking off and I will also go to the News if need be about this company.. Im sending a picture of the carpet and also the receipt that I was emailed by the apartment manager also the clerk of the courts information where the apartment request a dismissal of the case From XXXX by the lakes which is now called the park at XXXX apartments I also have live videos of the clean apartment with the date and time and also statements from the movers and carpet cleaner. I will take this company to court for false information on my credit report.
Consumer complaint received 2020-12-01
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: CITIBANK, N.A. (TX)

I have disputed this account with Citi banks through all bureaus as well as filed a previous CFPB complaint and there has been no positive change. I enrolled in Citis covid program in XXXX and was informed I WOULD NOT have to make ANY PAYMENTS UNTIL XX/XX/2020. Citi ended up closing my account in XXXX stating and no one was able to inform me why. Since then there has been a change in the balance owed how is that the case on a closed account? Im not using the card! the credit report shows there has yet to be a notice of dispute input by either Citi or any of the bureaus. I get more than 3 phone calls a day from this company on top of receiving phone calls after XXXX XXXX  which is clearly a violation. They are also reflecting a close date of XXXX, how was I able to enroll in a program of my account was already closed, and why didnt anyone mention that?
Consumer complaint received 2020-12-01
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: National Credit Systems,Inc. (TX)

I SENT IN MY LETTERS TO THE CREDIT BUREAUS TO REMOVE THE INVALID AND UNVERIFIED ACCOUNTS FROM MY CREDIT REPORT AND I HAVE NOT HEARD BACK FROM THEM. PLEASE DELETE THE ACCOUNTS FROM MY ACCOUNT.
Consumer complaint received 2017-12-14
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. (KY)

Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you XXXX be liable for your willful non-compliance.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

USAA will not respond to enumerations 1 and 2 of my letter dated XX/XX/2020. Several follow-ups by phone did not yield a response to my letter. Was told that USAA does not respond to letters and other times that the letter will be " escalated. '' Never heard from anyone. 

At # 1, USAA reduced my credit limit from {$20000.00} to {$2500.00}. I was not apprised of this change. Was told a letter was sent to me. I never received it. I requested a copy of the USAA letter. I never received it. Change was reported to the Credit Bureaus causing a severe drop in my credit score. 

At # 2, USAA will not provide an explanation as to why I have a Y-T-D interest of {$5.00}. I never accrued interest charges. USAA will not remove it, as it continues to appear on Statements.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I have filed several disputes with the three reporting credit bureaus about several collection accounts that appear on my credit report. I have asked for verification of debt and verification of the right to collect which the collection agency has not been provided. When I dispute with the 3 credit bureaus they tell me that the collection agency has certified the debt and that it is " accurate ''. Initial contact with the collection company National Credit Adjusters dated XXXX tells me they will send me information on their investigation which they have not done to date. Yet they still report the collection on my credit reports on a monthly basis.
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC. (PA)

Robinhood locked my account XXXX has stop my transactions between them Robinhood hasnt unlocked my account for some reason need to file something to let my account to be lifted by robinhood nothing to do with XXXX banking
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

On or about XXXX XXXX, 2020, I received a demand letter for an unpaid debt with XXXX XXXX XXXX with an alleged balance of {$730.00} from Afni, Inc. doing business as Afni Collections. 

However, two days prior I had closed my XXXX  XXXX XXXX XXXX account and received a billing statement on XXXX XXXX, 2020, that is due by XXXX XXXX, 2020, in the amount of {$130.00}. 

I only have one XXXX XXXX XXXX account and it is current as I have the most recent billing statement for the account that was just closed one week ago.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

This is to make complaint against Citibank N.A. I make this complaint for the following reasons : 1. Citibank land-mailed me an offer for a credit card. 
2. In XX/XX/2020 I responded and applied for the credit card. 
3. Upon approval and receipt of the credit card I realized it was a balance transfer card ( Diamond Preferred ) as opposed to a reward card. 
4. I asked Citibank to convert the balance transfer card to a rewards card. 
5. Citibank responded that they could not convert the card. That I would have to make a new application for the rewards card. 
6. Accordingly, I applied for the rewards card but according to Citibank, was not approved because Too many recently opened accounts were recorded on your credit bureau report. 
7. I then telephoned Citibank for clarification and was told I had to close all accounts opened in the previous 365 days before my application could be reconsidered. 
8. I complied. 
9. I closed all accounts, five, including the Citibank XXXX XXXX account and land-mailed Citibank a letter of confirmation including documentation for each. 
10. After 30 days with no response, I telephoned Citibank to ask about the status of my reconsideration application. 
11. Citibank responded that I had to reapply, again. 
12. Upon reapplying I received an identical letter, dated XX/XX/2020 and in complete ignorance of the facts, stating my application was denied because Too many recently opened accounts were recorded on your credit bureau report. 
13. At what cost to my credit rating has been Citibanks irresponsibility?
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/XXXX I refinanced my home loan with Wells Fargo ; unbeknownst to me this was in fact a predatory loan. I made payments to this loan all the time while my principle balance was increasing. As my minimum payment increased due to the adjustable rate I could no longer afford a payment of {$2400.00}. In the fall of XX/XX/XXXXI was approved for a HAMP modification in which I made all 3 of my trial payments but according to Wells Fargo I did n't send back the proper " signed '' paperwork within a given time period therefore they denied me this loan. I waited a few months then applied for a modification in XX/XX/XXXX, I was approved for a modification of my home mortgage and completed one trial payment in XX/XX/XXXXbut on XX/XX/XXXX I was injured on my job and have become XXXX XXXX. I reached out to Wells Fargo to ask them to postpone my trial payments until my workers compensation lawyers could straighten out my financial situation with the insurance company but they denied me and in XX/XX/XXXX they then denied me the modification loan. Wells Fargo proceeded with a foreclosure of my home in XX/XX/XXXX, I had filed for bankruptcy in XX/XX/XXXX and by XX/XX/XXXX my workers compensation lawyers have been able to get an appeal on my compensation claim and I am now in a stable financial condition to apply for a modification to show and prove income with less debit ratio but Wells Fargo is denying me any application to apply for a loan modification.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

An account appeared on my credit report in XX/XX/2020, for a car that I did not purchase. So far 3 payments have been missed and my credit has been damaged. 

A woman with a similar name to mine purchased a new XXXX XXXX XXXX  from the XXXX XXXX XXXX Dealer ( California ), using my name and SS #, for {$40000.00}. 
I found out when it appeared in my credit report, which is damaged already by this. 

The XXXX XXXX said it's not their problem and washed their hands. 

XXXX XXXX requested that I file a police report, which I did with the XXXX XXXX Sheriff Department ( where I live ), in order to send me a " Fraud Package ''. I filed a police report, gave XXXX XXXX the case #, and requested the Fraud Package 4 times, and the package never arrived. XXXX refuses to send the package thru a different method and refuses to take the vehicle off my record. 

This is seriously damaging my financial record that was impeccable before this happened.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Today Discover Card made a Business Call to close my account for reporting the fraudulent transactions. I am grateful for CFPB its time that Credit Cards/Banks are accountable to the American people and Congress really needs to change the law on Credit Card Companies closing accounts for frivolous retaliation reasons. Discover advertising zero percent fraudulent transactions liability is a lie and a joke. I want my case documented that during COVID 19 this is what you get. Its truly the best time to get new credit card laws in legislation. I bet if Discover needed a bailout from the taxpayers the government would not close Discover Financial.
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (OR)

We had a bankruptcy that did not involve our mortgage, yet our mortgage company incorrectly reported to the 3 credit bureaus that our mortgage was discharged. Our mortgage continues to be current for months now after the bankruptcy. This error makes it nearly impossible to repair our credit as it is the only payment history we have now that we are starting over. If this error were to be correctly reported, it would show several years of mortgage payment history with no late payments. We have made more than 36 calls and sent numerous emails over a 3 month period and can not get past the supervisor of what we hope is the right department. They keep saying they will call back and I keep requesting an email conversation because I can not have my cell phone at work to receive their calls. We were promised some type of status report at least 3 times and have heard nothing. We provided numerous documents that should make this error very obvious. I had to forward an email from their own attorney 3 different times, in which their attorney said there was nothing they could do, it was up to the company to correct the error. The error seems to stem from the company not receiving what is called a " reaffirmation ''. Although I am still not sure what this is, apparently it is something that was supposed to be submitted to our mortgage company by our bankruptcy attorney. Apparently, reaffirmations are required in some states and not others. Our bankruptcy occurred in Oregon where not only are they not required, but by all reports the bankruptcy courts won't even accept them. Our mortgage company is based on the East coast and their attorney is in California, where reaffirmations are required. We have tried repeatedly to explain that not only is there no reaffirmation, but even in states that DO issue them, our bankruptcy has already been completed and once that happens one can not be issued. It is extremely frustrating that the mortgage company has tons of notes containing all of the above information yet we can't get past customer service - who has to read through all of them during each phone call, then call for a supervisor if one is available and if not, they type them a message. If they log into our online account in their own system it shows our current payment status and it certainly shows the latest statement requiring a payment on a supposedly closed account from a bankruptcy that did not involve them.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and not provided me with copies of any documentation associated with these accounts bearing my signature, authorizing an hard inquiry. These unverified accounts affects my scores badly.
Consumer complaint received 2021-10-11
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: Experian Information Solutions Inc. (PA)

I have informed you that I did not give anyone the right to open nor list these accounts on my report. As the consumer I informed each company that I didn't authorize any of this over 90 days ago and yet I am still being violated. I don't want to seek the fine related to this violation of my right but I will if need be.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (AZ)

The PHOENIX FINANCIAL SERVICES has added an older collection account to my credit profile as a " new '' collection from XX/XX/XXXX, it was sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my credit score. The original creditor ( XXXX XXXX XXXX ) shows that the open date for the account is, I believe XXXX of XXXX, not the open date that PHOENIX FINANCIAL SERVICES has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit score and future, is deeply concerning.
Consumer complaint received 2020-12-01
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. (TX)

A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX balance. I have the proper documentation stating that it is paid in full. XXXX XXXX is also trying to collect on this debt. I will attach the {$0.00} balanced receipt
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

As of XX/XX/2020 my banking express account has been frozen and a hold of $ XXXX was subsequently posted to my account. When I spoke with the first customer service rep XXXX I was told that the fraud of alert needed to escalated to someone else, her name was XXXX. XXXX verified all of my necessary credentials only to tell me that someone would be in contact with me regarding my case. No explanation or rational was rendered for the hold on my account or as to why I needed to be investigated. I promptly asked for a supervisor and was told none were available. Neither XXXX supervisor nor her supervisors supervisor was available. I left a voicemail with the number I was given to call. No one returned my call. I subsequently called the bank back again, this time speaking to a XXXX whom after again verifying my information placed me on a hold and then hung up on me. I called back again and this time I spoke with a XXXX who informed me that an investigator had been assigned to my case and I was given her number. I was transferred to the investigators line. She did not answer. I left a voicemail. No call was returned. I have since called the bank several more times including the emergency hotline number that I got from XXXX  ( the investigator ) voicemail box. When I tried that line, three times I was redirected to the disputes department and which was the in correct department. Only after I called a fourth time did the operator tell me that she has been directed to tell me that my investigator will get in contact with me because as it stands it is after hours. Meanwhile my entire livelihood has been placed on hold. Keep in mind the funds in question were submitted to my account by the federal government and by a state government facility as well. None of the funds in question were submitted by personal check or a check period. Nor was this an atm deposit. Both transactions were electronic and clearly labeled appropriately for each respective entity that made said deposit. I currently hold in my possession all verifying paperwork as proof of these funds and where they come from. However, I have cause to believe that because this is atypical behavior that this treatment is discriminatory.
Consumer complaint received 2017-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

XXXX XXXX Debt of {XXXX} showed up on my credit reports in XXXX XXXX but debt was supposedly opened in 2014. I recently contacted XXXX XXXX and the collection agency XXXX XXXX XXXX concerning this matter. After 30 days later XXXX XXXX XXXX dismissed the debt and XXXX XXXX sent a letter in XXXX which I do n't speak not sure why the letter was sent in another language. I had the letter translated into english it said the debt was dismissed XXXX XXXX but it still shows bad debt on my XXXX and XXXX credit reports.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NJ)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 60 days late as of XX/XX/2019 90 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (GA)

I submitted various documentation to Experian and XXXX that the debt reported by XXXX XXXX XXXX should be removed because I do not owe anything and the account was not removed nor was it properly investigated.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.