davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Deposited a check from my Credit Union for PPP Loan proceeds via " mobile deposit '' to my Fifth Third bank account on business day of XX/XX/20. The funds are not available on the account today XX/XX/20. Contacted Fifth Third customer service line. First contact I was told that the contact they had made to the maker of the check indicated there was a possible issue with the funds being available. The maker ( CU CEO ) then was contacted by me and told me there was not an availability issue and made herself available to intercede with Fifth Third on my behalf to resolve any question regarding funds availability for the check. Second contact with Fifth Third customer service line I was told a second story - that the hold was essentially established due to the large value of the check, {$5100.00}, and that it was a mobile deposit. I was told that I should take the original check used for the mobile deposit to my branch that the branch manager would ( at their own discretion ) be able to complete the deposit / release the hold. This also turned out to not be the case as I found when I went to the branch with the check the branch manager simply stated that she did not have the authority to release the hold. The branch manager stated she was contacting " corporate '' via her workstation - their response was then, per the branch manager, to deny the release of the funds.

I am a small businesses owner, I applied for the PPP loan to attempt to keep things together and my bank is giving me misinformation and bad information regarding this important deposit while holding the funds that were written on a valid financial institution 's paper.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account, XXXX XXXX XXXX  Account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

My wife and I obtained a {$30000.00} HELOC from XXXX XXXX on or about XX/XX/XXXX. On or about XX/XX/XXXX, XXXX XXXX sold the loan to XXXX XXXX. ( see letter from XXXX XXXX, attached. ) Contemporaneously, XXXX XXXX transferred the servicing rights to Rushmore Loan Management. ( see letter from Rushmore Loan Management, attached ). 

On or about XX/XX/XXXX, my wife and I applied to refinance the HELOC with XXXX XXXX ( now Truist ). As part of the underwriting process, XXXX had a third-party vendor run a title search on our property. The title search revealed that on or about XX/XX/XXXX, XXXX XXXX recorded a lien against our property in the amount of {>= $1,000,000}. ( see attached email from XXXX, with title excerpt. ) The only secured loan that we have ever obtained from XXXX XXXX is the {$30000.00} HELOC ( though we have an unsecured credit card with them as well ). XXXX XXXX has never sought or obtained a judgment against my wife or me of any sort, let alone for $ XXXX. XXXX XXXX has no basis for encumbering our property with a $ XXXX lien. 

XXXX understandably refuses to complete the refinancing process until the $ XXXX lien is removed. I have sent written requests to XXXX XXXX, XXXX XXXX, and Rushmore requesting that they remove the lien. I have not heard back from any of them, and to my knowledge my property is still encumbered with a $ XXXX lien. 

I would like to resolve this matter expeditiously and out of court, so I am once again asking that the lien be removed from my title.
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received an overdue school tax letter in the mail around the XXXX of XX/XX/2019 in the amount of {$1700.00}. I called the following Monday on the XXXX of XX/XX/2019 to the tax office myself, they informed me that Citizens One had not paid our school taxes and then I called Citizens one and they said they were paid on the XXXX of XX/XX/2019, by wiring to the tax office. I then called the tax office back same day and they said absolutely Citizens One had done no such thing as the tax office only takes mailed checks or in person payments. I again call Citizens One, then they say something totally different that they must have sent it to the wrong mailing address, when they already stated that it was wired electronically, they told me to give them a few days to straighten it out. I called back on the XXXX of XX/XX/2019 to make sure it was straighten out, it was not. Now Citizens One was claiming they sent the new check out but had it returned but to give them till the XXXX of XX/XX/2019 and everything would be straighten out. I gave them till XX/XX/2019 because of a death in my family. They still have not resolved them not paying my taxes, the man said because they're waiting till the good thru date and that the other person should have never told me that they would have fixed it by then. I asked why this was happening, he said " they're only human, let them do their job and their bank 'you know ' was just going to pay when they wanted to. '' I said I'd call back tomorrow and asked for a manger to call me back, the person fought not to give me their manger 's name and flat out lied about whom their manger was, at first they said they didn't know, that it was a lady but it just changed to another lady then the person said it was a man and that he works with a bunch of females so he was confused. This doesn't make me feel comfortable knowing they're in charge of my mortgage or taxes with it. Also this person said " don't waste my time calling about it. It will be done when it's done and they'd get back to me '' and not to cut him off in conversation. I'm still left with school property tax not paid and not sure if they're actually going to pay it and it's due next week on XX/XX/2019.
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

I contacted XXXX XXXX XXXX multiple times in XXXX and XX/XX/2021 to attempt to settle the outstanding balance with XXXX XXXX credit card. However, XXXX XXXX claims they do not own the account because it hasn't been transferred to their agency from XXXX XXXX XXXX another debt collection agency ). However, when I call XXXX XXXX they say they've transferred the account to XXXX XXXX. I've been informed multiple times by XXXX XXXX customer service reps that a service request has been placed with XXXX XXXX to have the account transferred and this process would take 5-10 business days. However, over 45 days have past and there has been no progress. The account details on the website of XXXX XXXX show the account is owned by them but not available for payment. My XXXX  credit report also shows the account in care of XXXX XXXX through XXXX XXXX. When I contacted XXXX XXXX they claim the account has been transferred to XXXX XXXX. I would like to either reach a settlement or pay the outstanding balance on the account.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My mother was scammed. She was told by someone she knew he would assist her with purchasing property in Florida. In XX/XX/2012he had her deposit 3 separate transactions from her account into his. Shortly after she informed him that she changed her mind but he claimed he already utilized the funds and would need some time to return it. He continuously asked for extensions. My mother being the nice person that she is would oblige. It's now been 8 years and more than obvious that he has no intention on returning the funds. My mother and I called the bank to find out the full account number, name and to determine whether it was a business or personal account, all information we need to provide to our lawyer. She's doesn't recall from memory. We also wanted to inform them of the crime so they can take the neccessry steps to prevent him from doing it to someone else. He's clearly a liability. The representative stated the information could not be located because it's been more than 7 years. What's puzzling is the representative couldn't even go past 5 years. Additionally, being someone who is familiar with how banks operates. I'm not quite sure this information is accurate. There should be a research department that can retrieve this information. Please see the attached receipts of the 3 transactions.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (KS)

On XX/XX/2022, I paid off the full balance of my credit card. I knew I would have some accrued interest that would still need to be paid when my statement cycled. I logged back into the credit card website on XX/XX/2022 and there was an interest charge of {$21.00} and I submitted a payment to bring the account to a zero balance. Today, I receive an email with a new statement showing I have a new balance of {$2.00} and this is due to a " minimum interest '' charge. If I have paid the balance, went back and paid the interest posted, do I have more interest due? Not only that but a " minimum amount '' to pay. How does anyone ever get the credit card balance to zero and stop accruing interest? 

I looked at the website today and see that the statement cycle says XX/XX/2022 but that was not reflected on the website on XX/XX/XXXX when I paid off the balance. Instead of a minimum interest charge, how about automatically waiving an interest balance under {$2.00} so the account can finally get to zero? It cost more for me to call them to dispute the charge, which I did and received credit for, than if they had just done it in the first place. But I guess another way to look at it, is all the people who just pay it and move on and how much more money they just made because of that. What a very UNFAIR practice and way to do business.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (ID)

I received a text today from the previous phone number provided. to contact United Collection bureau Inc. at phone number XXXX which is a different number than indicated on their website. I find this suspicious deceptive and also intrusive as I have received no written communication from this company nor do I see them appear on my credit report. I emailed the company directly to either send me any formal written communication they have concerning any debts and to stop all other forms of contact until I have been given the appropriate and legal amount of time to review any claims. I have attached a copy of the email sent to the company should their memory be foggy on the subject.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have sent several debt validation letters over four times and each time this company has failed to properly validate my debt. Instead, they sent a notice with the amount owed, hospital, and service date with my name which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

On the following dates I received a nonvalid response from this creditor failing to properly validate the debt : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-31
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: Commonwealth Financial Systems, Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accountsXX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ...XX/XX/XXXX ( Original Creditor :XX/XX/XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

have contacted credit bureaus on numerous occasions to have incorrect or outdated information removed, however they are refusing to remove the information stating that the items come back validated even though the information is correct.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
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. (NY)

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (GA)

This account is an old account started in XX/XX/XXXXbut closed in XX/XX/XXXXbalance {$5300.00}. This account is more than 9 years old from Home Depot. At this time the 3 credit bureaus are showing that this account is active as of XX/XX/XXXXwith XXXX XXXX on my XXXX  credit report. In actuality, on the other credit reports there is proof that this the amount of this debt was lowered and closed as of XX/XX/XXXXby Home Depot. Home Depot stop credit reporting this account as of XX/XX/XXXXand passed it to XXXX XXXX. I have not heard from XXXX XXXX or Home Depot please remove this debt from all bureaus and add the points FICO points back to my credit score accordingly.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Coinbase, Inc. (AK)

On XX/XX/2021, Coinbase sent me the following email : " We noticed suspicious activity on your account and have suspended it for your safety. If you believe this was in error and are ready to reactivate your card, please contact us. '' When contacting Coinbase on XX/XX/2021, phone representatives indicated that the card was still in an active status but transactions were being declined. The representatives indicated this request would be internally forwarded. 



I received a message on XX/XX/2021 stating : " Our team has completed our investigation of XXXX or more recent transactions which violated our Cardholder Agreement. We've determined that you do not meet the criteria to unblock your card. '' However, I was not informed of any transactions that violate the Cardholder Agreement. Furthermore, in the Cardholder Agreement there are the lines : " If we refuse to approve a Card Transaction and/or restrict, suspend, or terminate your use of the Card and/or any or all Coinbase Services in this way, we will ( unless it would be unlawful for us to do so ), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination. '' When asked for this information, Coinbase refused to provide any more detail on this suspension. I have not been provided any notice of suspension ( other than the initial notification indicating a temporary operational suspension ) and no reasons for Coinbase 's actions.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated (CA)

After I have been trying to settle this debt for over 1 year and the company never responded to my many attempts, I contacted CFPB and all of a sudden XXXX XXXX XXXX was able to respond, but still did not provide a written settlement. I had to file another complaint first. 
With all this time past and XXXX XXXX XXXX falsely filing a lawsuit against me, I had many unexpected costs caused by XXXX XXXX XXXX and their lawyer Mr. XXXX : I had to send over 10 priority mail letters, I had to drive to XXXX Court 3 times, wasting money for gas etc. 
The original amount I had offered XXXX as a pay-off quote {$850.00}, is not available anymore. 
I have been without work since XXXX. No work, no money. 
I am a single parent with a minor home schooling child and with this pandemic hardship and all the costs caused by Mr. XXXX, I am only able to pay a one time settlement of {$200.00}. 
Furthermore the settlement agreement that XXXX XXXX XXXX sent me for the {$850.00} was not signed - IT NEEDS TO BE SIGNED BY THEM. 
PLEASE HAVE THEM SIGN THE NEXT SETTLEMENT OFFER THEY MAIL TO ME, otherwise it would not be valid, the one I received is not legitimate. 
Also, Mr. XXXX and his firm have caused me immense distress by suing me, when I had been trying to pay the debt. The distress has caused me illness, XXXX for months. 
They should offer a compensation for mistreating people, harassing others and making them sick. 
I should receive money for compensation from them. 
Furthermore, I received a phone call again today from the company " XXXX XXXX '' claiming that THEY own this XXXX Card CC Debt ... They claimed they had sent me a settlement offer a while ago and I should pay THEM .... 
Please explain and investigate! 
They called from phone number : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MN)

Every time I call they put me on hold for over an hour. One person says he can help me and then he puts me on hold and does not get back to me. I have a simple question. Where am I at with my PSLF application? For some reason nobody can give me an answer and they continue to put me on hold after I actually talk to someone.
Consumer complaint received 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed Inquiries that's on my TransUnion report numerous of times but TransUnion have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF TransUnion have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and  stopping me from getting a mortgage.