davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MI)

I applied for a Citi XXXX XXXX in order to receive the 0 % interest for 21 months on balance transfers. I was approved for a decent credit limit -- more than I actually wanted for the balance transfer. I called Citi to make my initial balance transfer from an existing card to my new Citi card. They said that they could not complete the transfer over the phone and that I needed to make the transfer online. I went to do it online. On my Citi dashboard, under the " payments and transfers '' menu option, the dropdown only included a " make a payment '' option. It did not include a " balance transfer '' option. I did a search to find another way to initiate a balance transfer. When I went this route I got a " Looks like something went wrong '' message. I called Citi again. They told me it might be an issue with the browser I was using ( XXXX. ) So, I tried XXXX. Same issue. They gave me a claim number and told me they would send me an email to submit my issue via email. They told me to take a screenshot of the message I was receiving. I did. However -- they never sent me the email as they told me they would. This is extremely frustrating. I simply wanted to do a basic balance transfer to my new card. I have plenty of room on the card to make the transfer I wanted with more than {$2000.00} remaining of my credit limit. I feel like I have been scammed by Citi -- a company that seems to be a mainstream, reputable company. It is not. I've been scammed. If they are incapable of doing a simple balance transfer from one card to the other, they should not do a promotion touting themselves as a great balance transfer option. And -- on top of it -- no one on the phone seems interested in helping resolve the issue. Total scam. So frustrated.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (AZ)

To whom it may concern : Greetings, my name is XXXX XXXX and I am writing in regardsto my previous request for homeowner assistance. 

Im very disappointed about the denial letter/s I received pertaining to my urgent request for homeowners assistance/modification. My first modification application was approved and appeared to be progressing normally but soon after signing the final modification documents, I received a denial letter from PHH stating there was a minor issue with my middle name/signature. I was not informed of this error in a timely manner and/or I was not afforded an opportunity to correct it. I do not understand why corrected final modificationdocuments were not prepared and quickly sent out to me for completion. 

I completed everything required and/or requested from me during the modification process -- to be denied assistance for something as basic as a middle name is unacceptable to me.From my understanding we could have used an AKA to ensure a successful signing and I question why the notary did not mention any issue with my name on driver license versus the final modification documents? I feel let down and worry that my home is at risk now based on the errors and/or limited experience of your employees/vendors. 

Finally, I would like all parties involved to understand that myhardship is over and resolved. Im simply requesting to have the delinquent payments placed at the back of my loan as I was led to believe for months. I want to continue making my payments and providing a home for my XXXX  and her XXXX  child. This is my home, Ive worked very hard to be a homeowner and I intend on keeping my property. 
Please work with me and reconsider my request for assistance/modification. 

I JUST NEED GENUINE HELP -- PLEASE CALL ME XXXX. 

MY FAMILY RELIES ON ME AND I WANT TO KEEP MY HOME. 

Regards, XXXX XXXX ( Homeowner )
Consumer complaint received 2024-02-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (SC)

On XX/XX/year>, I entered Toronto dominion bank  in XXXX XXXX South Carolina to which I am a member. I spoke with XXXX XXXX XXXX ID : XXXX, who is the assistant vice president, store manager at XXXX XXXX XXXX, XXXX, SC XXXX. I was told by this bank manager that she will not give me a copy of my signature card to be updated so that I can retitle the account in the name of my Trust. She informed me that my signature card was the property of Toronto Dominion aka TD Bank. I then proceeded to seek advice from the customer service department as instructed by XXXX XXXX, who rudely turned me away from the branch where I am a member. 
The original application, ID no. XXXX given to TD Bank is a SECURITY. This security is being traded upon. TD must stay in compliance with Federal Law. 12 U.S.C. 83 clearly states that banks can not lend from their own stock. So, when I applied for a secured credit card, and I received an approval for {$5000.00}, TD Bank used deceptive practices to inform me that I must Tender payment of {$500.00} to complete the transaction. This is bank fraud and security fraud. As I was the source of the credit from the beginning. A scheme has been devised to rob me of debt notes to fund an illegal operation. This is a violation of title 15, which clearly states that the contracts are illegal, and the bank is monopolizing from a security to which I am the registered owner and holder in due course. 
Please keep in mind that UCC 5-104 clearly states that the authorization of a letter of credit is authorized by signature. I have authorized a letter of credit, which is self-liquidating paper pursuant to 17 CFR 260.11b.
Consumer complaint received 2020-07-02
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: Debt Recovery Solutions, LLC (TX)

I do not have a contract with Debt Recovery Solutions ( DRS ) .They are furnishing false and inaccurate data to XXXX . My dispute with XXXX on XXXX XXXX, 2020 resulted in the inaccurate, false reported information by deleted and removed from.my report.. However its still is being reported at XXXX.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (NJ)

I received a short sale approval letter on XX/XX/XXXX, from my Lender PHH Mortgage Services. My loan Number is XXXX, during this time my real estate agent and I started to work on getting payoffs from the remaining outstanding liens that are on the title. I, unfortunately, have an extensive amount of judgments due to my XXXX XXXX XXXX as I am a XXXX man. In addition, PHH took an extensive amount of time to approve my short sale. I have been battling this with them since XXXX of last year XXXX. I had to get multiple appraisals done on my property and the most recent one was done back in XXXX. PHH took 30 + Days to finally approve the short sale after the appraisal had been submitted. Fast forward to XX/XX/XXXX, I submitted all necessary documents to PHH for them to approve for the closing on XX/XX/XXXX. Upon submission of all the documents, I also included the new buyer 's information as the previous buyer had backed out because PHH took too long to approve the short sale. The new buyer 's documents were submitted along with proof of funds and a settlement statement from the title company. The buyer had also sent the necessary funds to close the transaction to the title company. I notified PHH of this in writing on XX/XX/XXXX and XXXX XXXX. I also called PHH multiple times on the XXXX and XXXX of XX/XX/XXXX to try and get this approved for our closing on the XXXX. I was told I would receive a final answer and I also requested an extension just in case to avoid any issues with the closing. PHH failed to get back to me in time and gave me an appointment for XX/XX/XXXX at XXXX XXXX  the day of the closing only to tell me that I was denied the extension and have to restart the process all over again. This was extremely devastating as we had worked so hard to get to this point and had prepared everything for the closing. It is absurd to me why PHH could not have granted an extension to allow the closing to happen and help me avoid foreclosure instead of making this harder for me to redo everything all over again as I am a XXXX  citizen and this is ridiculously hard for me. I am now resubmitting all documents again to try and get this resolved and hope to XXXX PHH will not foreclose on me at no fault to me. They are horrible at reviewing documents and can not even talk to anyone that is here in America, everyone that you speak to in their company is in XXXX. They take over 5 days to review one simple document, and they have an extremely inefficient system, that only further damages the borrower's.hardship/situation.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have several names that are listed on my account. I have offered to send in LEGAL PROOF of what my name is to remove the incorrect names. They proceeded to tell me because the incorrect name was linked to one or more accounts then they could not remove the name. Same thing with the addresses. I need my legal address on file. I do not wish for any information to be sent to any other address because of Identity Fraud! I NEED THIS RESOLVED YESTERDAY! I have called multiple times to only receive a CS agent that wants to push the problem off.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NM)

The transaction happened on XXXX for the amount of {$200.00} for a booth rental. The name of the recipient is XXXX XXXX with an email address ( XXXX ). My friend had gotten information from a fellow merchant that a woman she knew was a promoter of a Pop-Up Canopy vending show the weekend of XXXX and XXXX. I contacted her via email and she told me that she would sell me a booth site for {$200.00} and to send amount through Paypal. She requested that I send through family/relative process. I didn't know that if it is sent through that process. Come to find out there was no refund. This was my first time working with Paypal and now I think I will not be working with them anymore. So, I bought and paid for a booth site but did not receive the rental.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

On XX/XX/XXXX I sent out debt validation letters to XXXX, XXXX, LEXIS NEXIS and XXXX requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, XXXX  and XXXX uses LEXIS NEXIS to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my LEXIS NEXIS file has been frozen since XX/XX/XXXX.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I transfered/paid XXXX XXXX using his phone number as his paypal ID {$60.00}. He and I were talking on his phone that I called using that number. When I put in that number to paypal to transfer that money it went through. XXXX said he did not get it. As it turns out someone has taken over his acct at paypal. I reported this to paypal and they said they said the only way I could stop the payment is to stop it at the bank. When I did so, 3 days later Paypal told me that they paid the amount and I owed them {$60.00}. They told me if i did not pay them the {$60.00} that my acct was negative they would send the amount to a collector. I asked to report the issue to their fraud department as that is the only way to show this is a fraud case. I reported the fraud 2 times and each time I was told paypal would do something and get back to me. The 3rd time I was forced to use a chat mode to report the fraud and I was told again that they would get bck to me. I have still not heard from Paypal but now IM told I can only speak with their collection agency. When I call them I get an answering machine that eventually tells me they are closed and to call back. I am really starting to think that Paypal should no longer be allowed to do business ad a bank or credit card company in the United States as they are strong arming their customers like a mafia and not actually speaking with their customers.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently submitted letters to Experian for investigation of items on my credit report in which within 3 days the agency stated that all the items disputed were accurate. I asked how were items verified and received no documentation or an explanation from debt collectors or Experian. On XX/XX/XXXX, I contact Experian and disputed inaccurate items once more and today all the items came back verified except one. There are incorrect balances and duplicate accounts on my credit. When I dispute items they are reaged as well so they will stay on my credit longer. For instance XXXX XXXX has been on my credit report as closed and paid in full since XXXX why hasn't it been removed?
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (SC)

I had someone use my BestBuy Citi Credit Card on XX/XX/2023 to purchase a camera in the amount of {$1000.00}. BestBuy refunded this charge and issued me a new card. I have never even removed the sticker from this new card or used it, but today ( XX/XX/XXXX ), I received another fraudulent charge in the amount of $ XXXX. I have tried asking Citi Bank what I XXXX do to prevent this from continuing to happen, besides closing my account, since I do like to use this card on occasion. I have the physical credit card in my possession, but you are able to use this card in the store if you have a Social Security Number and Driver 's License. My Driver 's License is also in my possession and has never gone missing, but my Social was compromised during the XXXX breach. The associates must not be requiring a copy of my Driver 's License and are authorizing purchases simply using my Social Security Number. BestBuy can not provide any solution to this.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (PA)

IQ Data International, has posted two separate accounts reporting on my profile that I dont recollect opening. Ones from XXXX XXXX, Nj posting on XX/XX/2023 and XX/XX/2023 for {$970.00} another account under IQ Data INC is showing a XXXX XXXX XXXX, NJ on XX/XX/2023 with two balances of {$1800.00} the other shows {$2600.00} with zero delinquencies for late fees I didnt open up any accounts in XX/XX/2023 or have any accounts linked or associated with these companies.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I am seeking back salary from XXXX XXXX  for a broker investment. In XXXX  the committee Education & the workforce on XX/XX/2006 responded by resolution letter of my non profit proceeds with a broker. The broker never paid out a salary from XXXX XXXX. Wells Fargo took over these accounts now I am seeking back salary. My account ends in XXXX. 
Wells Fargo bank.
Consumer complaint received 2020-07-02
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. (OH)

I am writing to try to explain that my existing complaint I have filed against Equifax is the same problem Im talking about my complaint number is XXXX if you look you see im complaining about equifax and there negligence in fixing a problem with being able to physically see my report it appears blank w no info about my credit history. Equifax replied to tell me there investigation will take time due to having to contact my creditors to validate the info there reporting? Its not the entire issue I hired a company to dispute my negative items I NEED EQUIFAX TO FIX THERE ISSUES OF NOT BEING ABLE TO SUPPLY A CURRENT ACCURATE REPORT NOT MY CREDITORS BUT EQUIFAX YET AFTER SEVERAL PHONE CALLS EXPLAINING THE ISSUES THERE STILL NOT NOT ADDRESSING MY ISSUE. HOW THE XXXX DO I GET TO SEE WHATS ON MY REPORT SO I CAN DISPUTE IT. EQUIFAX HAS A GLITCH W MY REPORT. THEY CANT FIGURE OUT THE ISSUE BUT MY REPORT THEY PROVIDE IS USELESS BECAUSE ITS BLANK .. FIX THE PROBLEM!
Consumer complaint received 2020-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

On the dates of XX/XX/2020, XX/XX/2020 and XX/XX/2020 I submitted a credit dispute to XXXX, Experian, and XXXX  detailing the false and inaccurate reporting by XXXX XXXX XXXX across all three of my credit bureaus. 

Experian refused to open the investigation request. XXXX  and XXXX   did not resolve the request.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (FL)

I NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ALSO I NOTICED XXXX IS THE ONLY BUREAU THAT REPORTED LATE. EQUIFAX AND XXXX REPORTED THIS ACCOUNT AS PAID AS AGREED
Consumer complaint received 2024-03-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions (GA)

Renters recovery solutions located in XXXX Georgia is scamming people. I am being charged double the amount and there is no resolution. I was told that I need to pay {$1500.00} for a debt and since I was homeless and never received it they said now I have to pay XXXX and they would not settle. A debt collection agency is supposed to be a place that negotiates. This place is scamming people out of hard earn money. I have reached out to both the agency and the apartment building. I am willing to pay the original {$1500.00} but now they are saying it's {$3000.00} because I did not respond in time and they will not lower it
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I paid a bill from XXXX  that was in charge off as Im trying to get square with any money I owed. Some how XXXX XXXX reported it as a 30 day late and it tanked my score. It is not accurate and I would appreciate your help in this matter. Thank you
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAINE & WEINER COMPANY, INC. (TX)

In regards to : CAINE & WEINER ( all accounts ) I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the XXXX agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between XXXX and XXXX my balance is reflecting on XXXX but is completely XXXX on XXXX. The c/o status is even reported way more times via XXXX then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for 0 reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.