davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/22, there were 2 unauthorized wire-out transactions with the total of {$100000.00} in my Citibank 's account. I opened a fraud case with Citibank on XX/XX/22. On XX/XX/22, Citibank denied my claim due to the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. Citibank refused to share what they based on to determine that I provided my account information. I only provided my information ( but not username and password for my account online ) to Citibank 's representatives to verify my accounts after these transactions completed. Citibank opened a disputed case. I was shocked and nervous after the incident happened. As the result, I answered the questions without clearly understanding questions implication. However, I explained what happened and told them that Im willing to provide the proofs to prove that I didnt do anything wrong to make this incident happened. But Citibank didnt consider my explanation and didnt give me any chances to prove that. I requested to speak with investigators many times. All the representatives told me that the investigators will contact me. But they didnt. All I received were declined letters without providing the detail of their investigation. Almost 5 months of waiting, I still didnt get an appropriate response or help.
Consumer complaint received 2017-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (UT)

YET AGAIN THE CUTOFF TIMES OF BARCLAYS BANK IS RIDICULOUS IT DOES NOT BENEFIT ANYONE IN THE XXXX XXXX XXXX IS TOO EARLY ITS ONLY XXXX ON THE XXXX XXXX I HAD SOME INTERNET PROBLEMS AND LITERALY GOT MY PAYMENT OUT 3 MINUTES AFTER THE CUTOFF TIME I AM COMPLAINED SEVERAL TIMES TO THE EXCUTIVE OFFICES AND ITS LIKE TALKING TO THE WALL THERE OFFICE OF THE PRESIDENT EMPLOYEES ARE SO RUDE AND CONCEITED. HAVE DO THEY CONTINUE TO BENEFIT THE XXXX XXXX  AND THERE CUTOFF TIMES EVERYTIME I HHAVE MADE A PAYMENT ITS STILL ON THE SAME DAY ITS DUE AND I MISS THE CUT OFF BY A FEW MINUTES AND THEY ARE SO QUICK TO HAND OUT A LATE FEE. YET AGAIN THEY NEED TO CHANGE THIS CUT OFF TIME IT IS RIDICULOUS AND THERE COMPANY CAN CARE LESS ABOUT IT!!!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.
Consumer complaint received 2023-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

Hi! 
My loans transferred from Fedloan to Mohela in XXXX. The employment certification form that I submitted was approved under the XX/XX/2022 waiver. However, Mohela has not added the 3 months in towards my qualifying payments. 
I first called and spoke with a representative on XX/XX/XXXX and he said that he input the request for those 3 months to be added and to give it 3 to 5 business days. I checked in and didn't see that added to qualifying payments. 

I spoke with another representative on XXXX, XXXX, a PLSF loan advocate ( supervisor of customer service representative ) and see put in a formal request to have those 3 months added in and give it 10 business days. The formal request was being " processed '' but it said " duplicate form '' However, it has been more than that and I have not seen those 3 months added in. 
I am requesting that those 3 months be added in in a timely manner. 
Please advise on how to proceed. 
Thank you for your help in this matter.
Consumer complaint received 2022-02-19
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. (NE)

Hello, my name is XXXX XXXX and I have new and updated information about Equifax Information Services LLC. I have recently submitted a complaint about Equifax along with exhibits proving inaccurate reporting on my consumer report. I have exercised my right to dispute these inaccurate reporting however I have been receiving updated notifications that Equifax is still reporting inaccurate information. Please see the attached exhibit of " updated '' but nothing was updated. 

I am now exercising my rights to receive any correspondences regarding any dispute and my consumer file from Equifax/Equifax Information Services LLC electronically through the CFPB and no other form of written communication. 

This is regarding any dispute sent through the CFPB as well the correspondence sent through mail that was received on XX/XX/2022 at XXXXXXXX XXXX  Please see attached green receipt as exhibit.
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX {$2200.00} XXXX XXXX ), ( XXXX with a balance of {$1100.00} ), ( XXXX XXXX  ), ( XXXX  with a balance of {$3000.00} XXXX ) has violated my rights. 

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 my written instructions.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WI)

My mortgage with Wells Fargo mortgage was close to foreclosure. In order to get current I mailed a cashier 's check for the total past due amount plus fees. The check was credited to my account then reversed. When I contacted Wells Fargo I was told there was a problem with the check. In order for the bank that issued the cashier 's check ( XXXX XXXX ) to refund my money I need either the check or a statement from Wells Fargo on the problems with the check. I have submitted requested documents to XXXX different departments at Wells Fargo ( Research dept. & Cash dept. ) with no response. I have made several phone calls and never get a satisfactory response.
Consumer complaint received 2017-10-16
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: Experian Information Solutions Inc. (LA)

I sent a dispute letter to XXXX and Experian concerning unauthorized credit inquiries on my account. XXXX sent me a letter regarding the inquiries are accurate with no validation sent to my address. Experian claims to have never received my letter which contains personal information someone can use against me. Validation of credit inquiries upon request is my right according to the FCRA. I have yet to receive any documentation sent to my address. My XXXX XXXX account was also hacked causing me to change my password and email.
Consumer complaint received 2017-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Works & Lentz of Tulsa, Inc. (OK)

To the lengthy respons  e from Works and Lentz, which failed to address as to why has it taken them almost two years to contact me regarding the debt again ; then having your collector tell me " its your debt, not mine '' ; as much as is my debt, you guys want to collect that money back for your client, right?
Also, why would your collector tell me is not their fault they might not have the correct contact information for me?
Works and Lentz job is to collect money back for the clients they represent and track them down if necessary.
Also, as the Works and Lentz represe  ntative said in their response when first spoken to me back on  XXXX   2015 , I mentioned this debt to be consolidated with the rest of my  XXXX  account if they knew that was not going to be the case why did they not mention anything?   I am still beyond upset at the   way this debt is being handled.
Its alarmning to know companies like Works and Lentz are still in business especially with the reputation they hold in their industry.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

AUTO LOAN : XXXX XXXX XXXX {$9700.00} this account was closed because it past ( 5 yrs 2 mos ) since the date it's opened XX/XX/XXXX Already past the statute of limitation in CA according to the law and consumer 's right 's under the law. now I see this AUTO LOAN Account re opened again after it was closed, that does't make any sense, also violating the consumer 's right 's under the law, I Called transunion credit bureau four times to help me to understand what's going one with this account 's, unfortunately No clear answer was give it to me, My credit score has been damage a lot causing my credit drooped XXXX points down this month XX/XX/XXXX under section : missing monthly payment 's according to My credit report monthly checked online, Please I need cfbf contact transunion credit bureau to investigate and I request from transunion credit bureau to remove this AUTO LOAN : XXXX XXXX XXXX because it doesn't belong to me based on identity theft happened to me before. 
dispute FILE NUMBER : XXXX for My Case in transunion credit bureau.
Consumer complaint received 2022-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

A party on XXXX purchased an item and added shipping cost and paid via an electronic check. They paid with an electronic check in the amount of {$1300.00} on XX/XX/22. I was to pay the shipper directly, since the buyer was not going to be present. They indicated that they were donating the item to charity. 

I deposited the check for {$1300.00} into my XXXX account the same day. 

I was advised via XXXX XXXX to pay the shipper before they could pick up the item. I then paid the shipper {$1000.00} from my personal checking account funds via Zelle. 

My bank subsequently notified me XX/XX/22 that the check that I was provided in the amount of {$1300.00} was a fraudulent check. XXXX then reversed the deposited amount of {$1300.00}. 

I am now out {$1000.00}. I am a single mother of XXXX on maternity leave without pay. 

Please help.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

I went onto the free website, I received easily, XXXX and XXXX all done on website. Equifax no. Last 2 years, you ca n't get your free credit report unless doing onerous requirements plus nothing can do by email or on line. They make you do by mail, then have to make numerous copies of things and then send to them by mail. If they make it to get it this hard, it must be impossible to correct anything with them.
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (CA)

The charges made on this closed Amex account are preventing me from obtaining a new card from the company, despite having other cards from American Express which had no problems/issues associated with the accounts. The charges when the account was closed, consisted of fraudulent and unauthorized charges which were supposed to be covered by an insurance policy offered by American Express.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

On XX/XX/2022 I sent an investigation letter to Experian, XXXX and XXXX asking out the said bankruptcy XXXX on my credit report. They sent me back the reporter of XXXX XXXX. I contacted XXXX XXXX on XX/XX/2022 asking how was this information provided and if not from the actual source to remove this information from their files. On XX/XX/2022 and XX/XX/XXXX XXXX XXXX sent me a letter saying the information was not verifiable through Pacer and was removed from their records and updated. However XXXX and Experian still had this information reporting on my credit as of XX/XX/XXXX. They are breaking several laws and their reporting has caused me denials for a home loan.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Branch Messenger, Inc. (OR)

I work for XXXX eats. I activated my XXXX pro card. Saturday I tried to remove the funds and was declined and told by their outsourcing agents that my account has been locked and I have to speak to Next Level Support although they have not unlocked my account and all agents state their tools do not alot them to unlock the account. 

Branch XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2019-02-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems, LCC put on my credit report I took out a loan out for {$520.00} now {$700.00} back in 2013 I have no idea what they are talking about because they have the wrong email and address. I was told by Midwest Recovery System, LCC, I paid on the loan for a year and stop, there is no way I would pay on a payday lone for a whole year. If Midwest Recovery Systems, LCC continue to pursue me on this debt I will file a civil suit on them, because this can cause me to lose my job and other things, this need to be remove off my credit report.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current (OH)

On today XX/XX/22 My card was charged over {$250.00} in fraudulent charges by a company called XXXX and when I contacted the card company they told me I had to wait for the charges to settle in order to investigate but that even if I dispute the charges there was no guarantee I would be credited or reimbursed The XXXX company has no contact information and is based out of XXXX I tried contacting a support email address I found via internet and got no response I would like these charges disputed and my funds returned
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (VA)

I opened an account last year, the lady that opened my account took mmmmymymmy information and okayed it just to find out that she opened it knowing it a check I received was a check drawn on wells fargo and finalized it just for it to go agaiinst mee plz helpinst me and my credit, plz help ... ..
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Summit Collection Services, Inc. (MI)

Summit Collections has violated my Federally protected rights under the FDCPA. Pursuant to 15 U.S.C 1692a-3 I am not obligated or responsible to pay you for this alleged debt. XX/XX/XXXX at Summit Collections had a representative contact me on there behalf and I asked her to notate my account to Cease communications from me from all mediums and the rep hung up the phone and disregarded my demand. Summit then by sent me an alleged billing statement vial mail dated XXXX XXXX violating my Cease and Desist 15 U.S.C 1692c ( c ). Summit abusive debt collection practice has caused me anxiety, mental anguish, fear of not knowing if this company will continue harassing and trying to coerce me into paying an alleged debt. Attached is a written Notice and invoice for the violations under the FDCPA. Failure to comply will result in Legal Matters in Federal court.
Consumer complaint received 2022-10-05
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. (MD)

In accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As you can see in my original and continued documentation that I sent repeatedly to Transunion, they have violated the FCRA by not providing me the proof of validation of the incorrect information reported on my credit report. 

I want the incorrect items deleted or I am pursuing legal remedy.
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

On XX/XX/XXXX we were approved for a loan modification. We were all set and ready to pay on this starting in XX/XX/XXXX. However, since XX/XX/XXXX ( this is when my wife had her XXXX ), she started having some balance and XXXX issues in XX/XX/XXXX/XX/XX/XXXX again and was not able to work much. This caused us not to be able to pay on the loan modification. I sent in new info and contacted SPS ( XXXX XXXX XXXX ) to see able moving/changing the payment dates and they said no. I also sent in new paperwork to see about getting a new trial/loan modification and they said no. 

I have tried again in XX/XX/XXXX and as soon as I sent the paperwork in, they declined this. 

We do not want to lose our home. The issues that my wife had from her XXXX, I would have thought they would have been more understanding, but they were not. 

We are wanting to do everything we can to not file BK. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2016-02-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One fails to send bills each month ( especially when there is no activity on the card for the month ). When they do n't receive payment on the bills they never sent, they claim you are past due and try to charge fees. This is a scam to increase fees and interest for consumers who always pay bills ( that they are actually sent ) on time.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MD)

On XXXX the XXXX, 2023, I tried to access my checking account on line threw Direct Express and the call after getting my pin number and the last XXXX digits of my account I was also asked for my XXXX digit account number, something I had not had to do in the past and was put on hold with no one answering and I am kept lessening to music. I tried for days to connect Direct Express and they would disconnect my call. I can't reach nobody and the last time this happened someone tried to remember my account number and got my account closed. The last person that handled my card was a family relative. Now I can't contact the bank to find out what happened because I can't get any one on the phone. Now I can't pay none of my bills or rent.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent repeated letters to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my Transunion Credit Report. I have sent XXXX letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX