davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MD)

I am a victim of identity theft. I learned that some of my personal information was used to open an account at Wayfair c/o Citibank. I did not open or authorize this account, and I requested that it be closed immediately and all information about this account removed from my credit files. 

The account has three charges dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the order shipping address as XXXX XXXX XXXX XXXX XXXX NJ, XXXX as shared with me per the Wayfair fraud Security Team. This is not an address associated with me. The Wayfair Security Team has deemed all three charges on this account as fraud and has refunded them to the credit card account. The remaining charges on the account are credit card fees only. 

I have been in communication with Citibank since XXXX. After repeated fraud claims made - unfortunately they continue to state the account is mine and they will not close the account nor remove the credit inquiry, account/ balance, and past due notifications from my credit report. 

Recently I have sought assistance from the Director of the Fraud Department of the Attorney Generals Office in the State of Maryland. He has directed me to submit this claim. 

Find attached the supporting documents to support my claim. Please let me know if you find you need any additional information as you review my complaint. 

1 ) Original letter from Citibank indicating their suspicion for fraud when the account was initially opened. 
2 ) Initial letter from Citibank stating their decision that the account was legitimate. 
3 ) Identity Theft Report # XXXX, Federal Trade Commission ( I submitted after I received direction from the Attorney Generals Office ) 4 ) Police Report # XXXX, XXXX County Police Department 5 ) New Citibank statement showing all charges refunded ( consistent with the conversation I had with Wayfair on XX/XX/XXXX who stated these refunds/ credits were due to the charges being deemed as fraud ) 6 ) My official letters sent to Citibank dated XX/XX/XXXX, XX/XX/XXXX ( resent because I was told the original address I had been given to mail to was incorrect and they did not receive the package despite USPS confirmation of receipt ), and XX/XX/XXXX ( adding the new info from Wayfair that they deem the charges fraudulent ) 7 ) Final letter from Citibank XXXX again closing the fraud case.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (CA)

I paid my XX/XX/year> payment on XX/XX/XXXX. XXXX XXXX stated it came in after cut off time and they reported my account to the bureaus as 30 days past due as of XX/XX/year>. 
Payment was processed and posted to the account on the same day. 
Immediately after that they kept stating to the bureaus that my account was still past due 30 days. I contacted them- they confirmed that account was only due for XXXX and it is NOT 30 days past due anymore. They sent me printout to prove that. 
Nevertheless, XXXX and two other agencies did not change or updated their ranking of this account. 
On the top of everything both XXXX and XXXX completely ignored uploaded proof and continued report incorrect information. XXXX is even showing its 30 days past due for XXXX now too. Which is COMPLETELY WRONG!!!
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (SC)

I received a notification from The Home Depot that my credit line had decreased from {$4000.00} down to {$500.00} due to a review of my account. During the review process, there were two inaccurate late payments posted to my credit report by XXXX XXXX for the months of XXXX and XXXX. Since then, I've had had several conversations with the credit services department to use the same process in reviewing my account again to see that these items are no longer posting late and that my credit rating had been restored. However, the only two unfair and unrealistic options are to print and mail them over 100 documents from XXXX credit report where the payments were updated, the previous report with the errors on it ( another 80 pages ), and the supporting documents that outline that the error was corrected with XXXX. The second unfair and unrealistic option is to take another hard hit inquiry to my credit report. This happened while in the middle of home improvements and Home Depot/Citi Bank has not been willing to resolve this matter in a manner that is fair to the customer.
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (TX)

CFPB Complaint Letter Regarding IQ International XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( Email : XXXX ) Date : XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX RE : Complaint Against IQ International XXXX XXXX Dear CFPB, This letter is to formally file a complaint against IQ International XXXX XXXX ( " IQ '' ) for violating my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 
Dispute of Debt I am writing to dispute any and all debt that IQ claims I owe. I have no knowledge of this debt and believe it is in error. 
Revocation of Communication Methods I hereby revoke IQ 's right to communicate with me via email, text message, or phone calls. All future communication must be done in writing and sent to the address listed above. 
Request for Validation and Documentation I am requesting debt validation from IQ in accordance with 15 USC 1692g. This validation should include : The amount of the debt The name of the original creditor The date the debt was incurred Additionally, I request a copy of the purchase agreement between IQ and the original creditor. 
Furthermo, I request proof that IQ is licensed and bonded to collect debt in my state. Please funish copies of these licenses and bonds. 
Unlawful Debt Collection Practices I believe IQ is using unlawful extortion tactics to collect a debt I do not owe. These tactis include threats to damage my credit report and reputation. I have not had a fair opportunity to dispute this debt, nor have I received any proper notification of its existence. 
Request for Proof of Notification If IQ believes I received proper notification of this debt, I request a copy of the notification with a certified receipt showing my signature for delivery. 
Response Time I request a written response from IQ within 15 days of receiving this letter. Your silence on this matter will be considered an admission of guilt according to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( 7 ) ( a ), and UCC 1-202f . 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosed ( ID AND PROOF OF ADDRESS )
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I woke up on XX/XX/XXXX and checked my account and saw there were 6 repeated charges to my account of {$130.00} and 6 charges of {$4.00} for a total of {$820.00} for a foreign currency exchange from usd to the XXXX XXXX. These charges were apparently done on XX/XX/XXXX in-store at what the app describes as a " XXXX XXXX XXXX ''. I called the company immediately and spoke with a representative who filed a fraud claim and they credited me the money that was stolen from me. Now today, on XX/XX/XXXX, I look at my account again and the credits were taken away and the charges are being finalized, which now puts my account into the negatives. I called the company again to see why this happened, and they told me that their investigation concluded that I authorized the charges, and that they were done from my mobile wallet. I informed them that I did not authorize the charges and that I have no ties to XXXX, and that I'm being severely negatively impacted by this, and they told me there was nothing they can do, besides stopping any overdraft fees that would occur.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (CT)

This complaint is against University Accounting Service ( UAS ). On Monday, XX/XX/XXXX I received an alert from experian that my credit score had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University held my Federal Perkins loans. When I graduated last year and I sat down with my financial/loan adviser at school I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined.I ended reporting XXXX University in order to rectify this situation. 
This Monday I received an email from XXXX University where I was informed that UAS is my loan servicer for the Perkins Loan and I should contact them. 
Upon calling UAS I am told that they were mailing notices to an address on file from ten years ago, which is not even in the USA -although they did have my current mailing address on file. Not only this, they also did not apply the three month forbearance due to COVID-19 to my loan which puts my first payment due in XXXX. So not only was I NOT late on any payments, I was also wrongly reported. When I asked them to fix this situation, they asked me to dispute it with a credit bureau and told me they couldn't fix it on their end -although they had ruined my credit by inaccurate reporting.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been charge {$470.00} per month for finance charge and I had called Bank of America to remove these fees. 
XXXX. From Bank of America Last name XXXX located in XXXX California.
Consumer complaint received 2024-03-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (GA)

The process of transferring an XXXX to another bank took a XXXX to complete XXXX XXXX XXXX XXXX XXXX  The bank also attempted to charge a {$50.00} fee for the transfer and was going to take it out of the XXXX itself. Truist has become an impossible bank to do business with and I have delt with them for XXXX  years as an account holder and other business associations.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Receivable Management Services LLC (TX)

I have sent this company a cease and desist this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally blinded and or insured to collect in the state of TEXAS. Please have this company cease all collection activities this my last attempt to complain outside of court.
Consumer complaint received 2020-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (LA)

While reviewing my credit report on XXXX I notice a mark against my credit report from a company that I did not recognize. I filed a complaint through XXXX  however, nothing has been done. 

I then contacted Debt Recovery Solutions , LLC ( original Creditor Name : XXXX Mastercard ) who apparently holds the debt. I asked them to provide me with documentation of when the account was open, and any documentation of a signature. As of XX/XX/XXXX, I have not received any information. 

According to what is showing on my credit report the account was open XX/XX/XXXX. I don't recall ever opening an account, receiving a card or using a card.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

I shut my checking account of about XXXX last XX/XX/year> and the cheque was not issued. I went to chase branch in XXXX and they stopped the payment and said I will get a new XXXX. Since it did not happen in 2 months, so I went to XXXX XXXX branch. They stopped payment and reissued a new XXXX by mail, which I never got within their stipulated time of 10 days. They told me to go to XXXX branch as it had a notary - stopped XXXX again and said I should receive a new XXXX  within 10 days. XXXX did not happen. Told me to redo the process, but of course their notary had left. So they told me to g o to XXXX XXXX which had a notary. They redid the process but I still did not get the XXXX When I followed up with the manger, he said go to ustimer service. Customer service send me back to bank branch. The branch wants to repeat the process of notary XXXX the XXXX ) and reissue a new one. 

XXXX years past, I have not seen the money returned. Bank staff is sympathetic but can not help me ( claim it is the backend ), and they keep on either asking me to go to a different branch or worse re-doing the same process. Just want my checking account money back XXXX. 


I should have transferred it over digitally instead of asking for a XXXX when closing it - regret it.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (WA)

Between XX/XX/XXXX and XX/XX/XXXX I was the victim of identity theft. The theif fraudulently used XXXX existing credit accounts I had and also opened XXXX new Credit Card accounts in my name without my knowledge or consent. 
On XX/XX/XXXX I made a request in writing for all of the information available to victims per Section 609 ( e ). I was sure to include Verification of my Identity in the form of my driver 's licensce ( front and back as well as a selfie of me holding the license ), a copy of the local police report detailing the specific establishment of their card as well as a copy of my Federal Trade Commission Identity Theft Report. I actually included a copy of the " Summary of RIghts under the FCRA to Victims '' sheet becuase I encountered so much resistance when requesting any information by phone. Not a single company complied with my request. a few of them flat out told me NO and that without a subpeona they would not give me anything. I know this is wrong and I can not bring the identity theif to justice without the cooperation of the credit card companies and retailers.

The following companies were contacted, the request was made in the proper manner and they are actively working against me in trying to resolve this Identity theft matter. Some of them claim to have done thier own investigation but as far as I can tell they are not interested in any investigating. The company got made whole by insurance and they don't care if they helped controibute to your ideintity being stolen- not thier problem. 

XXXX- THE WORST, TOLD ME A SUBPEONA WAS NEEDED XXXX XXXX  XXXX  _ LIED TO ME AND TOLD ME " THE INFO WAS SENT OUT THE OTHER DAY '' _ NOTHING EVER CAME XXXX  XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (NY)

I want to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I use the Citi.com website to pay my CitiAAdvantage Platinum Select credit card every month. On XX/XX/XXXX, Citi charged me a {$29.00} 'Return Check Fee ' and claimed the account information of the payment bank was incorrect ( it was a non-Citi account ). I have pointed out that my bank information was already stored information on the Citi website and I used the same account to pay the credit card bill from XX/XX/XXXX to XX/XX/XXXX with no issues, as well as pay my Costco Credit card with the same account in XX/XX/XXXX. They refused to accept the account was ever valid and refuse to waive the fee.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I was scammed by people claiming to be from the SSA. I filed a police report and also called Chase and XXXX XXXX to see what I could do. Every individual I spoke with had different answers as to what could be done so I called the chase fraud hotline, wire research team, dispute line, XXXX XXXX dispute line, etc. 

I suspended the account in hopes that it would freeze the pending transaction leaving my account. I also tried to flag the wire transfer with XXXX XXXX. 

XX/XX/XXXX XXXX I was at Chase and they informed me the money had already left. I provided them all the proof of the scam, phone records of the calls, text message conversations, fraudulent documentation from the scammer as well as my police claim. Chase attempted to freeze the amounts but were unable to without an investigation. They opened a claim for my internal funds transfer and they attempted to contact the wire team but were closed on the weekend. Chase also has to email me a hold harmless form so that the police can investigate my bank accounts for their case. 

I went to XXXX XXXX and notified them in person. XXXX XXXX called their fraud department and informed me I had to get a wire recall initiated from chase which I could only do on Monday XXXX PST. 

I then went to the police department to finish my formal interview. The report will he generated by XX/XX/XXXX or so. 

XX/XX/XXXX I called at XXXX to request a wire recall with Chase. They opened the case and gave me a confirmation number.
Consumer complaint received 2024-05-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IN)

Last year we went to XXXX to get a cell phone plan for XXXX people. We picked XXXX and went to set it up. After getting XXXX phones we were told we didn't qualify for anymore. So the worker canceled the XXXX phones I even talked to the XXXX person on the phone and asked if everything was cleared and I wouldn't be in trouble. They said no because it was done the same day we never left the store or used the phone minus the set up. I even signed the paper saying the phones were canceled and we weren't leaving with them. When I called the company to ask about the worker said " oh well you owe this and asked me numerous times how i was making payment. When I explained to him he said you owe it anyways. I don't see how they say we don't owe anything then months later they charge us.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

Lexis Nexis Risk Solutions reported an at fault accident ( XX/XX/XXXX ) on my behave. This is inaccurate! I have police reports to supply if needed. I was also fully insured at the time of the rear end accident that I was in. A copy of City of XXXX IL Police accident report # XXXX can be referenced and sent to your agency. Please direct me on how to correct this inaccuracy.
Consumer complaint received 2019-05-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

I received a letter from Selene Finance dated XX/XX/19 stating I had not paid my mortgage in XXXX and XXXX and that I was in jeopardy of losing my home. I called them and spoke with XXXX and gave him the check numbers for the checks that had been processed through my bank showing that I had made payment. He stated that they had received my XXXX payment on XX/XX/XXXX, so I asked why the letter dated XX/XX/XXXX stated they had not received my XXXX payment. He didn't have an answer. Since that day, I have had conversations with XXXX and XXXX about this situation and all they tell me is that my payment was returned and I've explained that no it hasn't. They are saying I didn't have enough money in my account and my check must have been returned. HELP! I found out today Selene has reported me over 30 days late on my credit report. I really need all this cleared up. I've never had a problem like this with any other mortgage company/servicer. I've attached a copy of my checks ( front and back ) and my bank statement showing the amount was deducted from my account, not returned for insufficient funds.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

{$5600.00}. 

This amount was kept in a restricted escrow account for payment to a contractor after an insurance settlement for mold repair. 

Ditech has been outright lying to me and the insurance adjusters as to the status of releasing these funds. They claimed they released them in XXXX of 2019 but I am still waiting for payment. The contractor has threatened to put a lien against my property for not paying the balance of the work he completed.