davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I received a text message stating that my bank card was attempted to be used at a XXXX in California however I live in XXXX, XXXX  Once I responded no to the text I received a phone call from a number appearing exactly like Citibank stating that my account was attempted to be used. The person stated that they will be sending me a new card in the mail or asked if I wanted to block my card. They stated they would send me a verification code to go on the account. Then I started receiving text messages that money was being XXXX  out of my account when I logged in I saw that money was also being wired out of my account at the same time. Once the person which I assume was the scammer hung up I called Citbank and attempted to make then aware of the situation and they stated that I needed to go in person to a bank location to file the report. They didn't assist me immediately. The next day I attempted to go to the police prescient to file a report and they indicated that there was no need to file a report that the bank would investigate the situation. I then went to Citibank to open up a new bank account and attempt to file a fraud report regarding the scam that had occurred. They informed me that I needed to call the fraud prevention line to file the report. I called and filed the report. One week later was told that the funds were no longer in the account and there was nothing else they could do. Citibank then referred me to the Citi Executive Response Unit for further investigate the matter. After a month of them reviewing the case they stated that there was no money left in the account where the money was wired to and that there was nothing further that could be done. The a representative opened another case with the response unit for further and the outcome was the same that there was no money left in the other account and because the matter was scam the bank is unable to refund me the funds. The incident initially happened on XX/XX/2021 at XXXX. The phone number they called me from initially was XXXX. The money was wired out of my account by the scammer into a XXXX XXXX Bank account ending in XXXX under the name of XXXX XXXX. I do not have any knowledge of who that individual is. The XXXX  payments were sent to a XXXX XXXX. I was able to have Citibank refund the XXXX payments but they are refusing to refund the wire transfers the scammer initiated from my account to theirs. I was not the one that sent the money to the scammers. I would like to have the money that has been stolen out of my account by the scammer refunded to me.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CT)

We have being trying to do a mortgage mitigation with BSI and it has being a nightmare. 
We asked for advice with the Ct Housing Authority and showed them our correspondence. 
The COMMENTS from the staff attorney, XXXX XXXX XXXX, at the Connecticut Fair Housing Center after reviews is : " Right now, BSI 's wrongdoing is hiding the ball on the escrow increase and providing you inaccurate documents. It unfair and negligent '' Her email is attached below.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX {$430.00} XXXX/XXXX  XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX, I attempted to purchase tickets from someone via XXXX. They insisted we use XXXX  for the transfer of $XXXX. However, after sending them the cash via XXXX (connected to my Bank of America account), they sent me fake tickets. I contacted my bank in order to report the scam and they informed me that the only thing they can do is ask the "seller" to return the money. There is no fraud or scam protection for consumers, despite the service being offered and advertised by my bank. They said looking into the issue could take 45 days. While this is likely not the worst of these cases, it's frustrating to now read that this type of fraud happens via XXXX all the time. Consumers should be informed that they are not protected by their bank's endorsed services.Thank you!
Consumer complaint received 2021-05-26
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. (FL)

OnXX/XX/XXXX, I check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX  directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FALONI & ASSOCIATES, LLC (NJ)

I XXXX XXXX, have tried to settle my debt by explaining my XXXX XXXX  and serious health challenges, I am extremely frustrated as a consumer, where I can't seem to find a solution to this adverse debt.I have had a XXXX, which now has me on a XXXX XXXX. I want to comply with a solution to this matter, but financially I am strapped, keep in mind I am already at a very old age, where health improvements based on my Doctors diagnose are extremely low, slim to none.My XXXX was back this past XX/XX/2018 do to a XXXX, and I am going back for a second XXXX really soon.I am now on XXXX XXXX so my only option if you cant help me is a bankruptcy chapter XXXX
Consumer complaint received 2019-08-20
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: DISCOVER BANK (DC)

On XX/XX/2019, I mailed Discover Card a package comprising a copy of the letter from my mobile phone carrier, and a recent copy of my ID Theft Affidavit to support my claim of ID theft.  I sent the letter to both their credit reporting department and their office of consumer advocacy.  They have refused to accept the package at both locations. I have a photographic copy of the return receipt status attached to both letters. For some reason I cannot attach the copy or the letter.  This action is yet another in a long line of purposefully deceitful and shady actions perpetrated by Discover Financial.
Consumer complaint received 2019-08-20
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. (FL)

I have incorrect information on my credit file as a result of identity theft:TRANSUNION|HARD INQUIRIES|| XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX || XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX  (XXXX) XXXX || XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX (XXXX) XXXX ||COLLECTIONS||1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XX/XX/XXXX $XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX) XXXX2|-----------------------------------------------------------------------------------------------------------------------XXXX|HARD INQUIRIES||XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX||COLLECTIONS:XXXX XXXX - XXXX - XXXX XXXX|-----------------------------------------------------------------------------------------------------------------------TRANSUNION|INQUIRIES||XXXX XXXX XXXX   XX/XX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX |XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX (XXXX) XXXX |XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX   BYMAILONLY||COLLECTIONS:CXXXX XXXX XXXX XXXX XXXX XXXX|
Consumer complaint received 2021-01-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

Dear Sir or Madam : I am writing to dispute the following information in my file. 

American Honda Finance 90 days late / Derogatory in XX/XX/XXXX2020. 
I have attached a scanned letter from American Honda Financial letter that was written on XX/XX/XXXX 2020. 


I have been leasing with American Honda Financial for 6 years and have never had a late payment. During the pandemic, an employee from Honda told me that I can turn in my car 3 months earlier to avoid fees ( I was supposed to turn in my car in XX/XX/XXXX ). I did this at the end of XX/XX/XXXX2020 and was told that my remaining balance will be sent via mail. I did not receive anything in the mail, In XXXX, Honda financial contacted me via phone call wanting me to pay all these outrageous charges, I asked them for a detailed explanation and they kept on insisting that everything is sent out in the mail, I NEVER RECEIVED THIS. In XXXX they proposed to give me a discount but never told me about reporting me late since we are still in the negotiation stage. In XXXX XXXX PLEASE SEE LETTER ATTACHED ) A letter dated XX/XX/XXXX, 2020 clearly states that If I do not pay within 10 days and/or if my account reaches 120 days past due, I will be reported to the credit bureaus ( I did not receive any letter that I will be reported to the credit bureaus if I was XXXX day late. NOT A SINGLE LETTER ). I was going to pay this on Monday, XXXX XXXX, 2020 but on XX/XX/XXXX 2020 on XXXX XXXX, American Honda Financial took it upon themselves to report me and give me a derogatory remark. Confused, I tried to call them but their offices were closed on XX/XX/XXXX and XXXX due to the holidays. I called them on Monday- XX/XX/XXXX and told them they inaccurately reported me and asked if I could pay that day ( Since I still have until XX/XX/XXXX as stated in their letter to pay ) and asked them to delete the inaccurate information and they refused. They argued that I should know that I was already late and they did not have to state it in a letter I am truly appalled by this statement, I have done my research and it is unlawful to report inaccurate information to the credit bureaus. American Honda Financial should be held accountable for the false information they send their loyal customers. 

As you know it has been a rough 2020 and I have been greatly affected by covid-19 both personally and financially. This inaccurate report has made things worse and is the least I want in my account.

I have been reaching out to American Honda Financial but I am given the same answer. To date, the balance has been paid off. I kindly ask that you investigate this matter and have this negative report taken out as soon as possible.

Thank you very much in advance.

Kind regards, XXXX XXXX
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AK)

I have never received any federal student loan to attend any colleges. I have never received any type of billings or notice from any federal student loan stating that I owe for any federal student loans. 
My income taxes from different years tells a different story as to the moneys that has been taken in regards to student loans for which I had thought for the longest time that my income tax check was all being garnish by the state student loan. 
I've received a letter from XXXX  XXXX XXXX stated that I had federal and state student loan mixed up which was not the case at all .... 
These folks have collected over {$12000.00} for federal student loans for which I've never had. The documents enclosed are proof of my claim. 
Respectfully, XXXX XXXX
Consumer complaint received 2020-10-29
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. (FL)

I recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud.

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} Account XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX  XXXX is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (CA)

I called American First Financial on XX/XX/XXXX to pay off a debt. They found my account info only after asking for my husband 's information. The account is solely under me! We were both then referred to a third party that has no record of any of either our information/account. After calling back to speak to AFF and having them give me the gauntlet of questions to pull up my account,, they tell me I owe XXXX $ more than is on my credit report. When asked why such a difference I was only told they report once a month and that the numbers don't need to match. ( This number on my credit report has been the same for months ) We were told to give it 24 hrs for the system to receive our account. We called on Tuesday and after the 6th call American First Financial blocked my husband 's phone number. He had to call from a co-workers phone to get thru. Again today XX/XX/XXXX the third party says they have no record of us and now American First says we need to wait until Friday and try again.
Consumer complaint received 2021-05-26
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. (MA)

Im complaining about XXXX XXXX XXXX vacation and resort time share, they will not remove the delinquent on my credit report for Experian and its hurting my credit on buying a house, I am up to date on all payments, I was set up on automated monthly payments to come out of my bank account, my bank card was changed because of loss, they had the wronge information so they werent getting the payments until 3 months later I got a letter in the mail from them, I didnt know they werent recieving payment because I thought they had my checking information! I called rite away and paid all in full to be up to date and fixed my bank information with them! never have I missed or been late in 3 years with them, there fault, please help!!
Consumer complaint received 2021-07-17
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: WELLS FARGO & COMPANY (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-04-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Mortgage Service Company (IN)

I XXXX XXXX XXXX, entered into a consumer credit transaction with AMERICAN MORTGAGE SERVICE CO. XXXX of 2018. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1692 ( e ) because they falsely represent the status of a debt. Also the finance charge is the sum of ALL CHARGES, therefore the alleged debt is null and void.
Consumer complaint received 2021-12-07
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. (NH)

On XX/XX/2021, I mailed 3 copies of certified mail to each of the credit bureaus. As I type this, the date is XX/XX/2021. None of the bureaus have reached back out to me. These inaccurate items on my credit report have harmed my ability to obtain credit. I am in the process of building a business that requires data only internet lines, and XXXX has charged me fees due to these inaccurate marks. I was also denied housing, and have had my credit lines closed or decreased with various companies. I have been denied a pre-approval for a vehicle, and have I used to have great credit until XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  put these inaccurate, negative marks on my account. Also, these companies are reporting inaccurate late payments to XXXX XXXX. In the case of XXXX, they have my name wrong on one account, and are double reporting 2 late payments twice, so any lender who pulls from XXXX will see 4 late payments to XXXX XXXX, and I was never late, because XXXX XXXX allows for a 15 day grace period before assessing any late fees. 

In the case of XXXX XXXX XXXX, they have sent confusing and inaccurate data regarding the amount owed. Please see attached that shows what all 3 credit bureaus are reporting, and what XXXXXXXX XXXX XXXX sent me. If I were to pay the {$340.00} in the letter that they claimed that I owe, I would have overpaid what I owed, resulting in financial injury. If I paid the amount that the bureaus claim that I owe, I would have paid less than what XXXXXXXX XXXX claims that I owe. In any event, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXXXXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

In the case of XXXX XXXX XXXX, the bureaus are reporting that I allegedly owe {$6900.00} to XXXX XXXX XXXX. However, according to XXXX XXXX  XXXX, they claim that I owe {$6800.00}. As I said previously, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

XXXX, XXXX and Transunion are reporting information that is inaccurate, and must be removed.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

The card me and my fiance stimulus went on was missing when all our stimulus payments went on and I had the card replaced but the stimulus payments were not. I'm just asking for our missing stimulus payments replaced that's it. Because we didn't get our stimulus payments due to the card being stolen or missing. I have given the new card number on this page at the end.
Consumer complaint received 2020-11-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I submitted a claim but my case closed. I sent in XXXX to a man over XXXX but the user is now listed as unregistered. The number the money was sent over to is XXXX XXXX XXXX XXXX and this happened on XX/XX/XXXX.
Consumer complaint received 2021-12-07
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND  THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

On XX/XX/2021, I opened 2 purchase disputes with Citi and it's been a complete nightmare since then! One dispute was for {$190.00} and the other for {$100.00}. 
The tracking numbers show " delivered '' but I didn't receive 4 of the 5 items. And, the only item that I received was completely damaged!!! 

Citi asked me for all evidence that I have but still decided to rule it against me and in the favor of the merchant. 

Citi and the merchant took advantage of a small consumer here and there is nobody to talk to. 

The only reason Citi decided to rule in favor of the merchant was that the merchant threatened to send his lawyers to them and it scared them ... but they don't mind hurting the small consumer! 

XXXX and XXXX  XXXX XXXX are much better at protecting the small consumers against scammers online!!!