davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

I applied for a credit card with Citi bank - the XXXX XXXX XXXX XXXX credit card and was denied for a bankruptcy from XXXX  28 years ago. My current XXXX score averages around 800, I currently have two credit cards with Citi that are about 10 years old with a combined line of credit of {$54000.00} and are paid off every month. I charge well over XXXX per year and do not have balances on my cards. Our household income is about {$780000.00} per year. 

I am more than happy to provide verifiable documentation of any of the above. I have not had any issues with obtaining credit for 20 years as I worked very hard to restore my financial stability after my bankruptcy in 1995. Note I am now XXXX, I was XXXX when I filed and filed due to loss of employment. I find it odd, that after I told the credit analyst that I wasn't sure if I should have included my husband 's income on my solo application that she couldn't hear me anymore, stated she would call me back, did not call me back, and then I got a denial letter for an almost 30 year old bankruptcy. Note - I asked if I should include his income because most of the debt on my credit report are joint accounts and joint responsibilities. 

I feel that I am being discriminated against for being XXXX as there is nothing negative in my credit file, my account history with Citi ( along with my other creditors ) on my existing Citi accounts is XXXX
Consumer complaint received 2022-01-12
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: The Law Offices of Mitchell D. Bluhm & Associates (FL)

On XX/XX/2021 I requested for these companies to provide me proof of signature in XXXX ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.
Consumer complaint received 2021-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

The Money Source has held my escrow overage for two consecutive years. I am due a refund for XXXX and XXXX totaling approximately {$2200.00}. I have called numerous times and they continue to make excuses. I would also like my payment amount recalculated.
Consumer complaint received 2019-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (DE)

I have talked to regional Acceptance many times during my loan. 
I started paying on my vehicle XXXX XXXX XXXX in XX/XX/XXXX. My loan matured in XX/XX/XXXX. They are still saying I owe XXXX on the loan. I know that I may owe a little but it doesn't make sense to owe XXXX. It is like I never paid anything. 
I feel I am being taken advantage of. I'm not sure if this has happened to anyone else.
Consumer complaint received 2022-01-12
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: AR Resources, Inc. (FL)

On XX/XX/2021 I requested for these companies to provide me proof of signature in black ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.
Consumer complaint received 2022-01-12
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: CITIBANK, N.A. (TX)

on XX/XX/XXXX or XX/XX/XXXX I received a " Fraud Alert '' text on my phone for my CitBank Credit Card I immediately responded that this was not made by myself or my wife the card was immediately canceled and another card was issued unfortunately the perpetrators charged {$960.00} on XXXX trips and XXXX eats from XX/XX/XXXX to XX/XX/XXXX in XXXX XXXX, California My wife and did not make any of these purchases, and reported it to Citibank Citibank transferred me to their fraud department in which we answered all their questions. They told me I must pay the transactions and later they will reimburse me once the investigation is completed. 
I then received a letter stating they find me liable for all the transactions. 
I then disputed it again and they said they needed further questions. I answered all of their questions and tried to supply more information, but they only wanted their s specific information. 
I then received a second letter that since the credit cards were in my possession, that I am responsible for the {$960.00}.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I can not log into Equifax to see my credit report. In order to log in they are asking me to verify information in the credit that is incorrect. Specifically they are asking about an auto loan that I do not have and never had. Similarly I can not place a credit freeze because they are asking for the same false information. This seems to be a catch 22 situation. I can't even see the false information because I can't verify this false information. The other agencies allow placing a credit freeze based only on personal information, but not Equifax.
Consumer complaint received 2020-09-10
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. (FL)

I sent a letter to this company on XX/XX/2020 disputing unknown and incorrect items listed on my credit report. As of today, XX/XX/2020, I still have not received any response and I feel that they are taking advantage of me and not adhering to the law. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted right away. I am requesting help from the CFPB with this company in order to have these unknown accounts deleted immediately. If the company does not comply even with help from the CFPB, I will file for litigation regarding the stress and pain this situation has caused me. I also informed these companies that my information was impacted by the recent XXXX data breach and I suspect this contributed to inaccurate items on my report.
Consumer complaint received 2018-02-08
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FC HoldCo LLC (AZ)

I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers (more than one) of mine inquiring information about my husband and I for the personal gain of reposessing the car (a car loan currently being serviced by XXXX).  We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX   XXXX but that does NOT give the right for any employee of a Collection Company /XXXX to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because "that's what I do now Repo Only" . She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was "normal repo practice for Collectors at XXXX ".  She asked where I worked, if my Car was parked outside (referring to.my place of employment),  she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family.  Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX. This is unfair and against our rights as consumers.
Consumer complaint received 2020-11-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation (TN)

I found out that the company XXXX XXXX XXXX XXXX that financed my vehicle was involved in a Class Action lawsuit with XXXX. I received a postcard staying I was included in the lawsuit and would receive but not limited to loan forgiveness, defienciency waiver, and/or monetary payment. This debt was purchased by a collection company ( Deville Asset Management ) was also sued and shut down for unfair practices in loan collections. I was sued by Deville Asset Management who used law office XXXX, XXXX, XXXX XXXX  XXXX to collect on the debt. I recently furnished the law offices all documentation showing the lawsuits and how I was part of the settlement and also Notified them that Deville Asset Management closed down, which no notification was sent to me yet they continued to collect payments from me. Now they're saying I still owe the debt and another company bought it from Deville. I haven't received any paperwork from this new collection agency and I've disputed this debt due to the judgement of the class action lawsuits.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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.

15 U.S.C. 1681s-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 inaccurate.
Consumer complaint received 2020-11-05
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. (DC)

The following accounts do not belong to me as all my previous and current medical bills have and Since XXXX been Covered and paid for by dc XXXX and under XXXX XXXX XXXX  XXXX, My identity has been compromised in the past and this is the result of identity theft. It has been reported, therefore I'm demanding that this accounts be removed immediately from my credit files. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$450.00} Balance updated XX/XX/XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney CO Original creditor : XXXX XXXX XXXX XXXX XXXX  {$500.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney DRS  Original creditor : XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

DISCOVER BANK failed to comply with our agreement when they extended and then revoked this credit line to myself violating 15 U.S. Code 1681n which clearly says that any person who willfully fails to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) any actual damages sustained by the consumer as a result of the failure damages of not less than {$100.00} and not more that {$1000.00} or ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 


As well as pursuant to 15 U.S. Code 1681o - civil liability for negligent noncompliance. 
Which states in section ( a ) any person who is negligent in failure to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in amount equal to the amount of ( 1 ) any actual damages sustained by the consumer as a result of the failure.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (FL)

Elevate recoveries is reporting a collection account on my profile that I am not familiar with. 

I am asking that this company ceases to report such derogatory account on my credit profile as it is causing me anguish. 

A cease & desist notice has been attached.
Consumer complaint received 2018-02-08
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. (MO)

After pulling a copy of my credit report i noticed that there are a few items that i do not agree with. Equifax is saying that the following items in question meets FCRA requirements but failed to comply. I notice there are a few inaccurate things listed on my credit report as i like my report to show nothing but current information and not outdated inaccurate information and this is how i notice several items and requested removal. 
1.XXXX XXXX XXXX 2.XXXX  XXXX XXXX 3 . XXXX XXXX XXXX 4.XXXX XXXX XXXX XXXX XXXX, MO XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 6.XXXX XXXX XXXX XXXX XXXX, MO XXXX 7.XXXX XXXX   8. XXXX XXXX  9. XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I am behind on a payment on my loan with One Main Financial. I specifically put in writing and requested they no longer call me at work. The branch manager agreed in writing and said they would remove my work number. They have started calling me again at work and even left me a message on my work voicemail. The dates this occurred was on XXXX XXXX XX/XX/18, XX/XX/18, XX/XX/18, at XXXX XXXX, and today left a voicemail at XXXX XXXX  today. Their contact information is below. They have my cell number and have also been leaving multiple messages a day on this voicemail as well. 

Branch Manager : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account ending # 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 has also states a consumer reporting agency can not furnish a acount without my written instruction
Consumer complaint received 2018-02-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CASHCALL, INC. (CA)

XX/XX/2013, I made a mistake in taking out a loan with CashCall. The amount was for {$2600.00}. I informed the representative that took my call, that I did not need that amount and informed him I wanted something less. I was informed the interest rate was $ 183.06 %. I was instructed to take the full amount of {$2600.00} but informed that if I make a payment for half the amount, that interest rate would lower. My first payment was for {$1100.00}. Little did I know that the amount I was paying was only going towards the interest and not the actual loan amount, I was lied to. I continued to make monthly payments. Overall I've submitted {$4100.00} to CashCall. I filed a dispute with CashCall and they ultimately closed my account and listed a charge off on my credit report for the amount of {$1300.00}. After requesting validation from a 3rd party they sold my account to, I received a letter claiming I owed a balance of {$870.00}. The information CashCall submitted to the credit agencies is incorrect. CashCall needs to remove this charge off from my credit file since the amount was paid in full.
Consumer complaint received 2021-01-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

We were not able to successfully apply for a loan with Citibank Mortgage. 

On XX/XX/XXXX we contacted Citibank in the interest of applying for a first time home buyer XXXX loan. We were assured that we qualified for a specific XXXX loan product. A Rate Lock document was issued on XXXX. A loan commitment letter was issued on XX/XX/XXXX for a different XXXX loan product at a higher interest rate. Upon inquiry, the mortgage loan officer explained that our income was above the limit ( even though he told us for the six weeks prior that we qualified for the program ) and was not interested in revisiting a possible flaw in how Citibank calculates income limits for freelancers/contractors/gig economy workers. The loan officer agreed that the loan commitment letter 's interest rate was above market rate. As a result, we cancelled the XXXX loan application and started a conventional loan application on XX/XX/XXXX. 

On XX/XX/XXXX, we asked our loan XXXX for a date when the the loan commitment letter would be issued because an extension was required on the loan commitment letter submission date per the contract. Citibank said XX/XX/XXXX. On XXXX we followed up with the loan officer about the XX/XX/XXXX contractual deadline and was assured letter would be issued by this date. On XXXX we checked in with the loan officer again and was informed that the letter would not be issued by XX/XX/XXXX because it is still in the underwriting queue. Nothing changed between XXXX and XXXX. We escalated to the loan officer 's manager and also notified our lawyer. 

The seller kindly extended the loan commitment letter deadline to XX/XX/XXXX. The loan commitment letter never arrived on XX/XX/XXXX, though the loan processor periodically notified us of the lack of progress. The loan application was cancelled on XX/XX/XXXX. 

The hardest part about this situation is working with liars and a non-functional online mortgage portal. Expectations were set that could not be met. Instead of guiding the customer through an evolving situation, especially during a pandemic, Citibank 's staff broke promises that put our first home purchase in jeopardy. Since they were not proactive and transparent about what was happening, we were not able to be proactive or transparent with the sellers. One quick note about the online mortgage portal : while we were able to upload required documents in the online portal, the loan application staff weren't able to access them so we sent all of our documents multiple times via secured messaging. This should have been a red flag about how difficult and frustrating would be to apply for home financing with Citibank.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC (IA)

Shellpoint mortgage servicing inc., is claiming they are the new servicer and that NEW REZ Trust is the new owner, with at first XXXX XXXX as trustee, but now has allegedly changed to XXXX XXXX. originally this mortgage was in a XXXX XXXX XXXX and do not believe it can be removed from a tax exempt XXXX trust. I NEVER received any notice from the " new owners '' only the servicer, saying that it was not being recorded publicly. the " assignement '' were from MERS who has no authority to assign, as the Courts have decided. the " debt '' does NOT exist, and therefore there can be no " Mortgage '' but they claim they can still take the home, because there is a valid " lien '' but will not provide proof of anything, including their alleged " debt '' they are harming, injuring and forcing me to pay for a " legal entity '' which was created by the State and is NOT me, they are placing me into involuntary servitude and " debt '' against XXXX 's will. 
all this fraudulent, concealed " banking '' as they do not own money, or anything as fictions can not and do not have dominion. if there was an actual " loan '' where did they get the money? was it real money in accordance with the Constitution ( money is gold and silver ) and in accordance with the Federal Coinage Act, April 2, 1972? I bet not, it is nothing more than a satanic, pagen, communistic scheme to steal the American people 's wealth, property and labor, for a few foreign " bankers '' aka XXXX 's minions. 
as We the People, the true creditors and true people of god and his dominion, we are tired of all this fraud, we are tired of the foreign agents ( XXXX XXXX XXXX ) and their Oath to the Crown/ City of XXXX or the master banker. XXXX we know there is no money, we know we are being abused and XXXX, plundered and pillaged, but where is the legislation that allows this madness? 
private-woman- Noncitizen-American- National. original " WE the PEOPLE '' granters of " governments ''
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc. (TX)

Respected CFPB Team, I received a mail in mail box for debt collection from Benuck & Rainey Inc. 
I do not remember any debt I owe to above organization. 
Amount is {$150.00} along with Account/Reciept number : XXXX I believe it is false and I am not liable for it. 

Deadline date is XX/XX/2023 to inform. 

Please help me to settle this dispute. 

Regards, XXXX.