davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Hello and thank you for taking the time to help me. My name is XXXX XXXX and I was a loyal Citibank customer for approximately three years. However, on XX/XX/20 all of that would change. While out dining with my XXXX on my XXXX XXXX XXXX upon completion of the meal I was informed that my card was declined. I was so shocked and embarrassed and did not understand why. I called and spoke to several representatives that asked for information on a loan that I had taken out. I have never been so humiliated in my entire life. I had to get someone to pay for our meal. The following day, I called Citibank to provide the requested information and they still had my card blocked. I submitted all of my documents repeatedly even having the branch manager submit my documents on my behalf. After many, many phone calls and visits to the Citibank branch, I was informed that my account was closed. Closed? I could not understand why/? I could also not understand why I was told this 2 months later! I was told that I would receive the balance on my checking and savings account in the form of a cashiers check. Well, here it is..XX/XX/20 yes XXXX XXXX and I STILL have yet to receive my funds, tears are streaming down my face as I write this. I have even wrote the corporate office and have yet to receive ANYTHING! i am praying that you are able to help me. I am so angry, hurt and upset. What a XXXX XXXX XXXX XXXX bank. I have not had ANY access to my checking or savings accounts in over 3 months! Can you imagine how difficult of a time that I have been having because of this? Im so devastated. Please help me, Thank you for your time Checking Account # XXXX {$22000.00} Savings Account # XXXX {$230.00}
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the month of XXXX & XX/XX/2021, I sent letter to all three agency XXXX, Transunion and XXXX disputing accounts eastern account system for the amount of {$100.00} and XXXX acct # XXXX, XXXX XXXX {$29000.00}, XXXX XXXX {$230.00}. I stated that these accounts are inaccurate, not my accounts and I did not give permission for these accounts to be reported on my credit report. which this is a violation of the FCRA. XXXX removed all accounts listed above. this is unauthorized uses of credit report. How this information is this verified or accurate if its only one creditor.
Consumer complaint received 2018-05-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (DE)

I noticed a week ago via a credit alert that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. I was unaware of the account and called the company on XX/XX/XXXX requesting the account be validated because I did have first hand knowledge of the debt. I also received no notice this account was about to go into collections prior too. I was told I had to validate the account myself via XXXX XXXX XXXX XXXX XXXX because that is where the funds were deposited. the account is from XX/XX/XXXX and I am almost certain I had no account with this bank past XX/XX/XXXX. 

I am 100 % sure that this company legally has to send me some written validation regarding the debt they claim I owe. I looked up the original company who states I owe this debt ( XXXX XXXX ) and they are out of business so I have no ability to call them and validate if this account is real nor not either.
Consumer complaint received 2016-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I had a 1 year lease for a duplex with a management company ( XXXX XXXX ) in XXXX XXXX TX. Management failed to address various maintenance issues, some of which posed a health risk for my sister who has severe reactions to certain allergens. I made repeated attempts to contact management by submitting requests through their online portal and by going to their office in person, which seemed to be the only effective way to get in touch with them. 

After months of failing to address our maintenance concerns, it was clear that XXXX XXXX had no intention of upholding their end of the lease, so I went to their office and told one of their epmloyees that I wished to vacate. Management agreed to terminate our lease prematurely, indicating that they would not refund our deposit, to which I agreed. They disabled my online payment portal on XXXX/XXXX/XXXX, so that I could no longer access my service request history or other correspondence I had with the management through their website. I never received any " Past Due '' notifications or other correspondence indicating that my account was thought to be in default. 

This account should have never gone to collections, and if it did it was only because some disgruntled employee at XXXX XXXX must have thought it would be funny. I never received any correspondence regarding a " Past Due '' account from XXXX or National Credit Systems, and I have n't received any other indication that there was an issue with this account until it appeared as a collection on my credit report XX/XX/XXXX. I have an immaculate payment history aside from this collection, not so much as a late payment anywhere on my credit report.
Consumer complaint received 2022-08-27
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (WI)

On XX/XX/2022, a BMO Harris Bank representative ordered a replacement debit card for my checking account due to attempted fraudulent transactions. An improper fee related to that order was the subject of a different, resolved CFPB complaint. Several days later, the new debit card arrived in the mail. As expected, it had a new card number, CVV, and expiration date several years in the future. I successfully activated and began using the card. 
On XX/XX/2022, another replacement debit card unexpectedly arrived via mail. However, this card has the same card number as the original compromised card. I believe this is an automated replacement order for the original card because it was due to expire in XX/XX/2022. Despite this, BMO should not have sent this card for two reasons. First, the card was just replaced two weeks prior, and a new card with an extended expiration was already issued. Second, BMO knows the card number is compromised. I believe BMO failed to address the pending automated replacement when dealing with the fraud issue, resulting in duplicate cards. At best, they could have canceled the duplicate order. At the least, I would have expected BMO to see the duplicate orders and instruct me on how to proceed. 
I have not yet attempted to activate this card because I do not know how to proceed.
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (CA)

This is to inform the CFPB of the bad practices XXXX Equifax XXXX XXXX XXXX XXXX those companies has violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( negative {$700.00} ) The company XXXX XXXX XXXX has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.
Consumer complaint received 2022-08-27
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: WELLS FARGO & COMPANY (MD)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX and WELLS FARGO CARD SERVICE has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-02-16
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

To whom it may concern ; Concerning the subject in the reference line, please allow me to detail the facts of which I believe that I have been a victim of trickery in the leasing of my vehicle. 

On XX/XX/XXXX I signed a leasing agreement with the XXXX Company where I purchased a vehicle with ID XXXX, model XXXX, for {$15000.00} with monthly payments of XXXX for 36 months, as stated in contract No. XXXX. 

I have received several calls from this same concessionaire and contacted by an employee of this company named XXXX, who stated I qualified to renew my lease and with this news I was motivated to renew it again. I then went to XXXX to learn more about the terms and conditions of the renewal and agreed to do so. I was told the remaining payments of the previous lease would be assumed by them. Hence I leased a new vehicle, according to contract XXXX dated XX/XX/XXXX. 

However, believing that the previous payments were made by the concessionaire in a timely manner in accordance with the express commitment made by them, with great surprise and disappointment, I answered a call from XXXX., On XX/XX/XXXX, where I am told about the delay in payments on my account and that this would affect my credit since one of the payments of the contract of Initial leasing purchased with XXXX under contract XXXX had not been made. Desperate in the face of this situation, I tried to explain to them of what was agreed with the concessionaire and that I was not responsible for such payment, since I had renewed the lease with that same concessionaire and that the debt of the previous lease would be paid by them. To that the collection agency responded that they were not aware of this, but that apparently this practice was common with this concessionaire because they already had reports of other cases similar to mine and despite the circumstances and knowledge about this dealer, they could not do anything about it, and that the only option I had was to make an immediate payment of the outstanding fee and not reported and that with the register 's receipt of cash that they gave me claim it directly from the concessionaire. 

They offered to close my case in full if I immediately paid the sum of {$300.00} instead of XXXX which was the total due on my account. They also pointed out that they were not the ones in charge of reporting to the credit bureau and that the only ones who could do so was HYUNDAI MOTOR FINACING, and that their work was only collections. 

When I realized the seriousness of the matter, the first thing I did was to make a payment in the amount that the agency told me to pay immediately so that my credit record would not be smeared and my financial rating would not lower my credit score. However, the consequences of being late in payments and not being notified on time about this situation had already been created.
Consumer complaint received 2022-08-27
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. (CA)

I have been submitting countless CFPB complaint to request the removal of the fraudulent items from my Credit Report. But despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA section 605b, I am ordering the Credit Bureaus to DELETE the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

This complaint is against United Wholesale Mortgage ( UHM ) regarding a recent refinance with them. Our prior bank was XXXX XXXX XXXX Due to errors in UHM 's closing documents, we ended up having to sign two times. Once on XX/XX/2021 and the second time XX/XX/2021. The main complaint is UHM has in it's records that the loan closed and funded on the original signing XX/XX/XXXX, which did not happen. The problem with this is we are being charged for five weeks of interest that we did not incur. ( This is the time period between when we originally signed XX/XX/XXXX and the subsequent signing XX/XX/XXXX that did record and fund ) We originally signed our loan documents on XX/XX/XXXX but this loan never closed. This was caused by a mistake on the deed. Our middle names were omitted from the notarized document and did not match the deed. The title company was unable to record the deed because of this. At this point the loan died, ie : ( The money was never disbursed and sent back to UHM. We then had to start the whole process over with our loan broker ). The 750K that UHM wired to the title company in early XXXX was returned back to them. 
I have been trying to resolve this issue since XX/XX/2021. I sent UHM a letter on XX/XX/XXXX with the correct signing. Prior to that I sent UHM four inquiries as to when this issue would be resolved. I called them today and was told that the loan start date is correct and if I have a problem with that I should reach out to the tittle company and or my loan broker. I reached out to both of them in late XXXX and to date, nothing has been resolved. 
Will you please help me get this resolved?
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, TRANSUNION, AND XXXX  ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST EXPERIAN, TRANSUNION, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MO)

I have been requesting verification of the following account that 's being reported on my credit report by Equifax, Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification on XX/XX/XXXX. 
I called XXXX using the number listed on my credit report via Equifax at XXXX and spoke with XXXX, agent ID # XXXX and she assured me a security freeze was placed on my file as of XX/XX/XXXX and such verification was not possible. She also did some research and confirmed that there was NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. Furthermore, XXXX XXXX NOT verify the information that Equifax shows as reported on XX/XX/XXXX. 
I 've contacted Equifax since but they 've refused to investigate. If Equifax can not verify the account when investigated, it must be removed. Therefore, I demand that this public record Bankruptcy # XXXX be removed from my credit report due to lack of verification and inaccurate reporting of verification date! 
Keep in mind that the XXXX agent has confirmed that Equifax 's so-called " verification '' on XX/XX/XXXX did not take place. It was not reported by them because my credit file had a security freeze on it that date and so forth. XXXX do not disclose information on files that have security freezes in place. 
I have disputed this account and repeatedly requested proper verification as well as documentation but Equifax has failed to provide me with any. What I get instead is XXXX address and false records stating " account is verified ''. Again, I demand that the unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT REPORT DUE TO LACK OF VERIFICATION AND INACCURATE REPORTING OF VERIFICATION DATE.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

I bought two sofa sleepers on XX/XX/XXXX for XXXX at zero percent interest for 5 years. I then bought a desk on XX/XX/XXXX for XXXX at zero percent interest until XX/XX/XXXX. They added some kind of account protection that cost a little over XXXX a month and that payment was paid from the monthly amount due for the promotional pricing. I set this up as an auto payment with electronic statements. I did not realize I was being set up for a huge 29.9 % finance when only half of the promotion was set up to be paid at zero percent interest. I chatted with XXXX and he said everything was calculated correctly and then said it was an error because of the exorbitant fee associated with the protection plan.He said I should ask for a refund for the protection plan. I called on XX/XX/XXXX at XXXX XXXX   CST and got hung up up and then called at XXXX XXXX  CST and finally got a manager who made fun of me for not catching it on the online statement. He then lied to me and said that the purchase would still carry at zero percent interest after the promotion ends because that is what I bought it for so it doesn't matter-this is not what is printed on the statement. He also told me that he can not add the protection plan costs to the balance because that would incur interest and cost more. So I am stuck with bad furniture that did not hold up and really dishonest financing. They intentionally set up my monthly minimum so that it would not cover the promotions.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

As I was furloughed in XX/XX/2020, I applied to Wells Fargo Mortgage for a forbearance. I applied for a three month forbearance. As I did not receive a reply before my XX/XX/2020 mortgage payment was due, I paid my XX/XX/2020 mortgage payment in full. I did not pay XXXX or XXXX. In XX/XX/2020 I received a letter stating I needed to take a decision on my mortgage forbearance. I spent over an hour on the telephone with Wells Fargo Mortgage on XX/XX/2020 and concluded with them that I would pay one of the two months that I had not paid and the other would be moved to the end of the loan. I paid the full monthly mortgage payment while on the telephone with Wells Fargo Mortgage and they informed me that when it posted the following day, only one monthly payment would be moved to the end of the mortgage. I received a letter dated XX/XX/202 stating that 2 past due payments were deferred. 
This is erroneous as I made my XX/XX/2020 mortgage payment in full on time and my XX/XX/2020 XXXX payment in full on time. 
I wasted 47 minutes on the telephone with Wells fargo Mortgage on XX/XX/2020 trying to get this matter corrected as my mortgage statement is indicating the incorrect outstanding balance. I was told that they would have to investigate and review the tape of the XX/XX/XXXX telephone call, despite the fact that they could see in my mortgage account that only one payment was outstanding. WHen I requested that I be allowed to tape record my conversation, they told me this was not allowed, despite the fact that they advised me that they were recording the conversation. 
I request respectfully that you look into this as my Mortgage Balance is recorded incorrectly.