davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (NJ)

In XXXX of XXXX I was forced to XXXX from my job due to XXXX XXXXXXXX pandemic. My mother was battling XXXX and my job as a XXXX was exposing me to the virus so I made a hard decision to XXXX  for the healthy of those I live with such as my mom. This caused me to be left with little to no income. My husband was still employed however all income went towards our inhome bills such as mortgage, electric, heat, and funds to take care of our XXXX children. Any extra that my husband had we tried to keep up with the car payments as much as we could. We were able to keep all payment current until money fell a little short in XX/XX/XXXX. As of XX/XX/XXXX I became employed again with a job back in my career and my family is finally getting back to happiness mentally and financially. As of my first paycheck in XXXX I brought the account fully current. I then made my XX/XX/XXXX payment on time as well and will also be making my next due payment on/before XX/XX/XXXX as planned and continue to keep up and go back to my perfect payments. This complaint is a chance for me to explain my issue to FIRST PROGRESS and attempt to get my late payments from XXXX & XX/XX/XXXX removed as a courtesy. My husband and I are planning on buying a home late this year and this will negatively hurt us so please help us. Thank You and I would greatly appreciate it. My account is now current and I plan on paying the card of in XX/XX/XXXX.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar Mortgage has acquired my mortgage from several other companies. I owe less than 78 % on the original contract price. They refuse to take the PMI off and want multiple paperwork and wish to " consider '' whether they need to have an appraisal done. 
Nationstar apparently operates through a call center and hours have been spent on the telephone requesting help. 
Nationstar has been notified that they must send all official document notices by U.S. mail, not by E-mail. They have ignored this and will not comply. 
Service representatives will not identify themselves. 
Property is under XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY (AL)

Today XX/XX/2018 I recieved a phone call from a man named XXXX XXXX. He said he was from XXXX XXXX XXXX XXXX. He said that before he could speak to me about the debt he had to verify my phone number and address. He stated he was attempting to sue me for a debt I owed XXXX XXXX. I said I had already been paying on that account and had just paid it off. He said I was lying and asked me for the reciept. I told him I didnt have the receipt on me that i was in the car and it had been over a year ago when I paid it off. He called me a lair and an ignorant XXXX trash XXXX. He also said he was going to have me arrested for not paying him the amount owed. I asked for his address and professional license number and wouldnt give me either on and said i was XXXX XXXX and not to call his office again. I called wells fargo and they sais they have no record of thw account.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (VA)

After splitting from my ex-XXXX XXXX and him moving out I received a statement from Home Depot regarding a credit card. I contacted Home Depot made them aware this account was opened fraudulently, and I NEVER opened this account. After discovering what was purchased, I was quickly able to identify who opened this account in my name. I contacted XXXX and asked him about this, and he laughed saying no one will do anything to him and used foul language. I made Home Depot fraud department aware who used this account asked if I should file a police report and was advised no. However, this account has been taunting me I have offered EVERYTHING to validate I did not open this account I have no association with this account, and nothing is being done. After this I will be filing a suit to get this resolved. Pull each call I have made you guys aware offered police reports and they refused to accept them advising me its not needed.
Consumer complaint received 2021-07-09
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)

The credit agencies are Not contacting the company and I have inaccurate reporting. First they had a Ghost freeze on my account that No one I mean No one could see but All a sudden after years I was about to see. I need for all inaccurate reporting to be remove immediately.They are hiring Unhonest not loyal lazy employees that wait almost until 30 and say that they contacted the company and its accurate they are wrong to lie. Please investigate, send a Whistle blower etc .Can not dispute with XXXX because they have that you already disputed. This needs to stop credit reporting agencies are fraud
Consumer complaint received 2022-08-25
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 (GA)

I filed an FTC report and have a fraud alert on my account. I have mailed and called each major credit bureau and asked the fraudulent item to be removed to no avail. 

Mailed letters to all three on XX/XX/2022 XX/XX/2022 I have also disputed multiple times via their websites over the past year XXXX XXXX XXXX The account is with Discover Bank it has a balance of XXXX
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2022-08-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (OK)

I had an account with this company. I had a {$1000.00} line of credit attached to a card. It basically acted like a credit card. I moved to another state and tired to update my address. They refused to update my address. I was told that a supervisor had to call me. I was never contacted by the supervisor. I reached out again and the told me that they would have a supervisor reach out again. I never got that call. I then called and told them to just close the account if they are unwilling to do a simple task like updating my address. I was told my account would be closed within 24-48 hours. A few days later, I got two emails from the company. The first one said that my account had been closed, and the second one said that my account had been opened. I then reached out again and they told me that there was some error in their system, and that they would put in a request to have my account closed. I have continued to get statements for this account. I called them again, and they stated that the account is closed, but that they will be keeping my online account open for 5 years. The online account states that my card is still active. I don't this line of credit to be accessed by anyone, and the only way I can do it is to make sure that the account is actually fully closed out. I do not think that there should be an open account that is just floating around in cyberspace while they claimed that my line of credit is closed. It feels like identity theft waiting to happen.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo online profile to open fraudulent checking/savings account Fraudulent banking and communications with impersonating representatives Information distributed dark web : XXXX Denied deactivation of profile XX/XX/2021 Stated I would receive a card soon and accounts could be closed when documentation was received Directed to local bank to close account ; bankers could not verify account information Received unwarranted communication Wells Fargo was not applicable to me. 

Mail theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

On XX/XX/2018 I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$500.00}. I wrote a letter and mailed it certified delivery to Capio Partners LLC and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

It is now over the 30 day time frame since the mailing of my request to Capio Partners LLC on XX/XX/2018. This company is in violation, they are out of compliance. Under advise, I wish to informed Capio Partners LLC that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Consumer complaint received 2022-04-24
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. (PA)

Hello the bank was offing free printouts of peoples credit reports and I saw alot of unknown accounts, names and addresses being reported. I think they have me mixed up with someone else and I need this issue resolved. 
XXXX XXXX  opened XX/XX/XXXX for {$18000.00} XXXX XXXX  opened : XX/XX/XXXX for {$730.00} XXXX XXXX XXXX on XX/XX/XXXX for : {$2100.00} XXXX XXXX XXXX was opened : XX/XX/XXXX for {$4200.00} XXXX  Account was opened : XX/XX/XXXX Account Balance : {$0.00} XXXX XXXX was opened : XX/XX/XXXX Account Balance : {$860.00} Fraudulent Inquires/Unauthorized inquires Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX who the heck is XXXX XXXX XXXX?
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Selene Holdings LLC (CA)

My name is XXXX and the mortgage company Selene Finance altar the loan modification that me and my parents signed back in XX/XX/2020. I signed as a borrower along with my father XXXX I'm power of attorney for my father he has memory loss. And I'm power of attorney of my mother XXXX, as of XX/XX/XXXX, of this year. And I'm also a borrower too. But I'm not listed as a borrower on the new loan modification. It has been reordered on XX/XX/2020, at XXXX XXXX., in XXXX XXXX county California. My father and I are joint owners of the deed and I sent a copy of the deed to Selene Finance along with a letter asking them to put my name on the modification loan and they didn't add me on the front page of the loan. They added my brother XXXX, and he isn't on the dead he is just a renter and he didn't sign the loan modification. They also left out an important page that I gave my bank XXXX account number and routing number so they can automatically withdraw monthly mortgage payments. And they even left out the power of attorney papers too. I didn't see any of the pages on this loan modification that is reordered back in XX/XX/2020. And I was told once the loan modification when recorded that all three credit scores would show that I own house and that I am making the Mortgage payments to Selene Finance. As of today, XXXX doesn't have me paying mortgage payments to Selene Finance. This has been a big hardship on me I have to call and make monthly payments over the phone and I had to wait sometimes over an hour to speak to an agent and a lot of times I would get cut off. And I can not refinance because my credit score is low because of Selene Finance not reporting my information to the credit bureaus.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (FL)

My Vanilla Reloadable Debit cards are not available as advertised on the company website. 

The company publishes the following link on their website : https : //www.myvanillacard.com/whereToBuy After going to over 30 of the stores, all have the same display be there are no My Vanilla Reloadable Debit Cards in stock at any of the stores. 

When I called customer service, there are no options to speak to a customer service representative.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (DE)

I purchase {$500.00} gift cards using my SEARS Citi Master Card from XXXX XXXX XXXX. 
My card has be declined on at least ( 5 ) times and I was assure that this would not occur again. We live in a small community and it is very embarrassing to have your card declined in a check out line where we own a business and a lot of people know us. 
When we contacted Citi and explained this problem that only occurs at XXXX XXXX, they stated that they would note this and we will not have this recurring problem again and gave me a {$25.00} credit for our problems. On XX/XX/XXXX I planned to purchases ( 2 ) two {$500.00} gift cards and to avoid any problems I called the fraud division @ XXXX and tried to explain that was going to make the aforementioned purchase and was having difficulty understanding the person who also was inquiring about my Home Depot credit card which had no bearing on my Sears Card. I believed I had called a fraudulent phone number. Upon calling back I spoke to an XXXX who had all my security information including phone numbers, passwords etc. and then demanded my personal banking information and account information before she would discuss anything with me. I was having great difficulty in understanding was she was saying do to the fact she had a foreign accent. I believe I was discriminated against because I was unable to understand her and she blocked access to my card for retaliation and for threatening to file a complaint. I requested to speak to a supervisor, I was then placed on hold and upon entering XXXX XXXX I was disconnected from Sears Citi Card. I did not receive any texts or calls and when I attempted a {$49.00} purchase my card was declined. My account was up to date, I just paid the entire balance of {$7600.00} on XX/XX/XXXX my credit limit is {$20000.00}. I'm totally IRATE.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

ON XX/XX/2022, BOA CLOSED ALL MY CREDIT CARD ACCOUNT WITHOUT ANY WARNING NOTICE AND FORFEITED MY XXXX POINTS.IT IS UNREASONABLE AND NOT FAIR AT ALL.
Consumer complaint received 2021-11-29
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. (NY)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I am the victim of identity theft I have recently have information to believe that my identity has been compromised I was recently engaged to someone who has access to my personal information and have reasons to believe accounts where open or have been maintained without my consent or prior knowledge
Consumer complaint received 2021-03-30
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. (TX)

Someone comprised my personal information in XXXX and opened a XXXX XXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXXXXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.
Consumer complaint received 2019-09-04
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. (IL)

I attended XXXX University during the time period ; in which they were sued by the FTC and all loans during that time was forgiving. However, XXXX XXXX XXXX XXXX is still reporting on my Credit File. I contacted all three major credit companies and XXXX is providing inaccurate information. This is also stated in the Fair Credit Consumer Act.
Consumer complaint received 2019-03-15
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NY)

I had lost my wallet back in XX/XX/XXXX. I called for a replacement card from Citibank. My bill was due and I was locked out of my online account. I could not activate my account until I received the new card ( I was told this by customer service ). A month now goes by, and I still have not received a card. Now I am aware my bill is now passed due. I called customer service again. They again " sent '' out a card. 

As of today, XX/XX/XXXX. I still have not received a new card and am now in collections because I have no way of accessing my account. This is damaging my credit score.  Oddly enough, Citibank easily sent me a collections notice, but no card. This is now 5 months without a credit card!