davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (MI)

To whom it may concern, I first sent my complaint about my Citibank loan that I had paid off to The Federal Deposit Insurance Corporation ( FDIC ). They reviewed my correspondence and noted that the bank I referenced is under the direct supervision of Consumer Financial Protection Bureau. They forwarded my copy to you. Below is what I had sent them, also. 

On XX/XX/2022, I received a personal installment loan of {$10000.00} from Citibank. On XX/XX/2022, I made my final payment of {$4000.00} on my Citibank app to pay off my personal installment loan. The loan then disappeared off my citi app because I was told by the representative that it disappears when the account is XXXX balance and paid off. I cant even access my account any more online. 

Then, I received a letter in the mail saying that my account is past due and thats when I called citibank to find out what was going on because I knew I had paid it off immediately in XXXX. Citibank said they did a payoff reversal on my amount but they dont know why and send it back to my XXXX XXXXXXXX XXXX XXXX a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX as I was told. 

Citibank told me to check with my credit union to see if they have a hold on my payment someplace. Upon calling my credit union they had told me that they do not and it doesnt show any credit reflected on my account of that payment being sent back to me so Citibank doesnt know where that money went and my credit union said theres evidence showing the transaction of {$4000.00} being withdrawn from my account to Citibank on my loan, so it was processed on that day of XX/XX/2022. 

When I called Citibank numerous times, I spoke to different customer service representatives and they were sending me to collections saying that I was behind on my monthly payment when I explained to them what had happened that I made that payment of {$4000.00} to pay off my personal installment loan and that my balance should be {$0.00}. 

I told Citibank that I have the transaction details from my credit union showing that that payment was sent to them and they responded by saying contact my credit union to see if they have the money someplace there and I did and they said no we do not and we have proof that you made that payment to Citibank. 

So Citibank continues to tell me that they did not receive the payment and they are demanding that I sent {$4000.00} when I already sent that payment to pay off my loan on XX/XX/2022. 

They have recordings of our conversations and I was very upset, because I told them that my credit score is very good and that Im not late on my payments due to being very responsible. 

XXXX XXXX
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NC)

I have not received any statements from the company, and I called to inform them and there were 2 late fees on the account, they refused to credit both fees even though I have not received any bills, I signed up for online services today and paid today and they only credited 1 fee as a curtesy even though I have never received a statement
Consumer complaint received 2019-10-23
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. (MA)

I AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM EXPERIAN AND XXXX   WENT AHEAD AND REPAIRED IT ON THEIR SIDE. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.
Consumer complaint received 2019-10-23
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. (MA)

I AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM XXXX AND TRANSUNION WENT AHEAD AND REPAIRED IT ON THEIR SIDE. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX OF XXXX ACCT # XXXX and XXXX, CHILD SPRT ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXXXX/XX/XXXX XXXX ACCT # XXXX XXXX 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 Also, XXXX OF XXXX is showing 2 different account numbers ( XXXX and XXXX ) which is an inaccurate reporting of information
Consumer complaint received 2021-06-03
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. (NJ)

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2020 XXXX Inquiry :XX/XX/2020 XXXX XXXX XXXX OF Inquiry : XX/XX/2020
Consumer complaint received 2019-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates (GA)

Company is repeatedly calling and not identifying itself or full purpose of the call. They will not answer questions and refuse to stop calling when asked. They continue to call using different numbers in an attempt to hide the repeat calling pattern. 

They are calling from XXXX, XXXX, XXXX, XXXX and others with similar suffix changes.
Consumer complaint received 2022-11-18
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. (CA)

15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. 


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 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

Autopay was set up, the {$500.00} card is paid in full, not sure why late payments are showing on my account and it was closed. I would like these late payments to be removed from my report.
Consumer complaint received 2022-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

My XX/XX/2022 statement from Rushmore Loan Management Services showed my Outstanding Principal to be {$970.00}. The upcoming interest was to be {$2.00}. My normal payment amount also included {$400.00} in extra principal, plus escrow amounts. So the bottom of the XX/XX/2022 statement told me " You are currently enrolled in automatic payments. Your payment is schedule to draft XXXX for the amount of {$1800.00} ''. So, as usual, I did nothing. Then I received a XX/XX/2022 statement telling me I missed my payment, and owed a {$15.00} late fee. I called Rushmore and they told me they never took out my last payment, but over the phone they put in a payoff request for me. The payoff request showed the {$15.00} late fee. I was able to call Rushmore and have that removed. But the payoff also showed {$4.00} in additional interest. They told me that was interest accrued between XX/XX/2022 and XX/XX/2022 ( the payoff date ). I told them that I should not be responsible for that interest, as they had told me they would take my last payment in the XXXX statement, and they never informed me about having to request a special payoff. I believe this is a tactic they use to steal a few dollars from each customer on the way out. They very strongly argued with me, and one woman even tried to gaslight me and pretend that she had called me about my late payment, when in reality I had called her about these extra fees. It all seemed a bit shady, so I want to go on record to report it. In the end, I gave up and paid the extra {$4.00}. But that was wrong.
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

On XX/XX/2020, I mailed a letter to Portfolio Recovery asking them for proof that they had followed the law as outlined in the FCRA, specifically 1681s-2 ( 7 ) ( a ), pertaining to if they were furnishing negative information to the consumers account that they notified the consumer in writing of that negative reporting. I have never received such a letter from them that would in accordance with that particular law and they have furnished negative information to my credit reports despite my never have engaged with them in any business venture or Portfolio being able to verifiably prove the legitimacy of any such accounts. 
To date there has been no response from them yet. They continue to report on my credit. They have failed to show any proof of being in accordance with this law. They should be required to demonstrate their initial compliance with this law by the CFPB or they should delete the accounts they have listed as having added them in the first place illegally. They are accounts that Portfolio has ceased collection activity on by their own accord.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (CO)

BinanceUS has updated their privacy policy to require users submit " biometric '' data to the company. Rather than agree to this policy, I would like to close my account and withdraw/transfer my funds. BinanceUS has no mechanism for this, and won't let me access my account/funds without accepting their updated policy. 

BinanceUS has not responded to my email/message to them regarding this.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, I received an email alert from Bank of America stating that my checking account was no longer eligible for bill pay. I called not understanding why ( they had switched the bill pay to my HELOC ) - after being transferred twice, I was told that there was an AML freeze on my account and I would need to speak with them. She transferred me to them, but they were closed. 

I called first thing on XX/XX/XXXX and spoke with the AML department. After verifying me, he stated that the issue was with information for my wife, XXXX. I got her on the phone, and he verified her identity. He then stated that they had asked her to go into a banking center to verify this a month ago, and that's why they froze the account. 

I reminded him that we signed all the paperwork for a HELOC in XXXX of this year. She is also in a banking center on a regular basis to make cash withdrawals. He said the HELOC signing wasn't sufficient. They wanted to confirm 1 ) does XXXX have a dual citizenship, and 2 ) what is her occupation. 

I asked to file a compliant, but he did not take one down from what i can tell. I then asked to confirm that during this period of having the account frozen, did they return any debits ( checks, ACH ). He said he had no idea and would transfer me to customer service. 

I spoke with customer service, and after much back and forth, I was told that nothing was presented and rejected during the period of the account being frozen. 

The idea that they would freeze the checking account ( but not the HELOC! ) of a 15+ year client without a letter or phone call, over the suddenly urgent question of dual citizenship and employment, is beyond absurd. I specifically asked to file a complaint with Bank of America and was not given that opportunity. I know they will respond to CFPB complaints. Please forward this on to ensure it is reviewed by their AML officer and head of retail banking.
Consumer complaint received 2022-10-25
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft EQUIFAX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2018 This is not mine.
Consumer complaint received 2022-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Vehicle was repossessed by company on XX/XX/2022 without notice of default letter & threatening to move and sale car. Especially when I told them I just was released out the XXXX with XXXX. Not allowing a reasonable redemption payment, asking for half the payoff amount.
Consumer complaint received 2022-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC. (MA)

I sent an email to Santander notifying them that I had changed hazard providers on XXXX and provided them with a copy of the evidence of insurance and paid in full binder. I received a letter from Santander on XXXX stating that they had received my new insurance information and sent payment to the provider. I called and spoke with XXXX who told me that they would put a stop payment on the check and reimburse my account since it was already paid in full. Once complete, he was supposed to send me an email. I just looked at my account details and something is amiss. My account makes no reference to the funds that were disbursed to my previous hazard provider on XX/XX/XXXX in the amount of {$1900.00}. In addition, the incorrect disbursement to the new provider on XX/XX/XXXX, which was supposed to be reversed, is still present. Also, the refund from my previous provider is noted as received on XXXX amount of {$1700.00} ; however, my agent informed me that the refund sent to Santander was for $ XXXX leading to a {$10.00} discrepancy. I would like my escrow account audited for accuracy, with a full account of debits and credits sent to me. In addition, since I paid for my current hazard policy in full, and Santander has received a refund for my previous policy, I would like an escrow account analysis completed with the overage sent to me. 

I previously submitted this complaint and Santander responded that this does not belong to them. I pay my mortgage on Santander banks website. My statements come on Santander letterhead. When I call, they answer Santander Bank. I know Santander hired dovenmule to sub service for them but they are the master servicer and are ultimately responsible.
Consumer complaint received 2023-04-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Servicing Solutions, LLC (FL)

We are sick and tired of getting phone calls when we have scheduled our car payments online within the grace period and we have never been 30days late, NEVER. We are new to Servicing Solutions and the car collections representatives fail to check the system before they harass you into making a car payment. I have asked for XXXX after XXXX after XXXX to stop the phone calls, when there is a payment already scheduled for our car loans and yet the phone calls continue. My car payment was scheduled on XX/XX/2023 for the draft date of XX/XX/2023, I received telephone collection calls on XX/XX/2023, XX/XX/2023 and XX/XX/2023... THIS IS HARASSMENT SIMPLY BECAUSE Servicing Solutions representatives fail to read or review the appropriate system screen, IF THEY CALL ME AGAIN I AM GOING TO SEEK LEGAL ACTION... 

********* just got another phone call again XX/XX/2023 at XXXX another collection call. This rep stated she failed to read the system.. THIS IS RIDICULOUS
Consumer complaint received 2022-08-20
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. (MS)

I have a car loans and personal loans with extremely high interest rates, which caused me to check my credit report and noticed that they still had my twin brother accounts on my report, and my cousin who has the same as I do. Notice I said still because I have taken action once on trying to remove them I was told that the account would be deleted but they are not.
Consumer complaint received 2022-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

On XXXX XXXXi sent XXXX XXXX a dispute via USPS certified mail. Neither responded in the 30 days required. Neither reported to the credit bureaus this account wa being disputed. As a matter of fact they reported the account in question closed saying I requested ot which is a lie I never did. Both XXXX and XXXX bank responded nearly 3 months later and knocke my credit score 35 points down and are continuing to report late. I never signed an agreement with XXXX nor did I get an assignment letter. Instead they created a new account with a new acoount number and attempt to collect payment for which they were not legally authorized to do never sending my payment back to me. They still refuse to remove from my credit report. I have never made one transaction when XXXX claims it serviced my account. I have zero obligatins to XXXX and both companies are attempting to collect as I have letters from both XXXX and XXXX seperately. XXXX was intermingling regular XXXX and charging me cash advances for transfers of my own money not separating a store credit and regular XXXX. They also werent applying credit to a special financing perchase for months until it was nearly expired.
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MI)

I graduated XXXX XXXX University in XXXX of XXXX. From that time I have been very aggressive with paying off my student loans. I have paid off roughly 1/2 of the principal balance as of today. As of XX/XX/XXXX, I began attending XXXX XXXX University to peruse a graduate level degree. On XX/XX/XXXX, I received an email stating that " Your request for a deferment has been approved ''. I had never requested a deferment for my payments as my graduate degree is sponsored by my employer and I am not taking out any student loans for it. I was able to contact Great Lakes and suspend the deferment. With this process, the next required payment for my student loans was changed from the year XXXX to XXXX of XXXX. My complaint is that two months after returning to school a deferment was made without my consent. Documentation was then falsified to appear as if I was the one who had requested this. Great Lakes falsification of my request has reset the timer on when my next payment was due by.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MS)

Received a letter from my mortgage servicer Selene Finance stating my mortgage assistance request and mortgage assistance was appealed, because of credit information received from XXXX credit bureau and other credit reporting bureaus. The mortgage assistance request was denied. I have read in my research the servicer or bank is not suppose to deny mortgage assistance because of credit. Selene Finance customer service and staff do not know the government requirements for mortgage assistance, It appears to me Selene Finance do what they want to do and will not apply the law. I have been affected by XXXX and my health was compromised. 
I am resubmitting my request for mortgage assistance, I have received several denials, each denial denial reason is different. 

See Attachment