davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

My loan was serviced transferred in XXXX and I didn't realize until my autopay didn't come out from my previous mortgage company. I called and was able to get the information for my new company and I called them to first make my XX/XX/2021 payment and then set up autopay. The person helped me set it up via online for a bi-weekly debit. The first was supposed to be on XX/XX/2021 but they took one out on XX/XX/2021 and then another one on XX/XX/2021. I called on XX/XX/2021 and the person told me I don't see a payment call back on Monday and they noticed the duplicate payments. She opened a case and told me it would be 3-5 days until i get the money back. 

I called again today XX/XX/2021 and the person was not so helpful and quite frankly very rude. She told me she sees the case but I am not going to get my money until XX/XX/2021 and it's going to be a check that is mailed to me. I told her that is not what i was told earlier in the week but she again said the same thing again. I told her i wanted to file a complaint with who regulates her bank and asked who that was, she told me to look on their site. I was already on the site so i told her where can I find it which she answered with " just XXXX it '' I asked to speak to a manager and she transferred me to a voicemail that just had an extension with no explanation as to what it was. 

It's my first month with this company and they are already making it hard to do business with them. 

I need my money back sooner than that.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

I bought two NEW keyboards from a company in XXXX, I received broken and missing item merchandise, merchant wanted for me to pay nearly {$80.00} to ship back to XXXX, so I began a dispute. Citibank without notice, months later, reversed my credit after ruling in my favor without any notification, notice, or reason! 

Why is Citibank ripping me off!??!
Consumer complaint received 2021-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

After a 7 week free trial, of something called XXXX XXXX, XXXX sent me an email stating the free trial was over and charged me {$180.00} on XX/XX/XXXX. I had thought it was for an app I had recently used, but was mistaken ( although unknown to me at the time ). 

A lot was going on at the time due to moving XX/XX/XXXX, plus personal injuries sustained in a car accident. 

I was extremely busy when the free trial expired, so I forgot to cancel until the day after I saw a XXXX email stating they were charging me. 

The same day I saw the XXXX XXXX, I contacted them online to try canceling the charge. There was a lot of confusion. XXXX agents couldn't explain to me what XXXX was, and I could only guess at what I thought it was. My conversation was online via phone, and it got dropped when I tried following the agent 's instructions. 

XX/XX/XXXX, case # XXXX was opened and supposed to have dealt with the issue, but it never got resolved because the agent didn't put in the information. 

XX/XX/XXXX I received an email from XXXX stating the case was closed, so I thought the refund would be in process. 

XX/XX/XXXX at XXXX XXXX., I spoke with a XXXX agent at XXXX. The agent stated the charge was for IT technical support and is an online subscription for small to medium size organizations. I told the agent I am not a business, and I've never used tech support for my home computer. It would be easier to simply reset to manufacturers settings. 

Finally, I was able to contact an agent, XXXX, who stated the refund shouldn't be an issue, and that she saw the prior agent had neglected to issue the refund. 

Santander has continually denied the refund, even though XXXX agrees I should never have been charged, that an error occurred on XXXX 's part. 

XXXX, the last Santander rep I spoke with on XX/XX/XXXX at XXXX XXXX. stated the reason I was denied was because I waited tooo long to notify XXXX of the charge, even though I provided Santander via email with evidence showing I originally contacted XXXX the day after the charge was applied to me. 

This has been an exercise in frustration and futility.
Consumer complaint received 2022-02-15
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: AES/PHEAA (GA)

PLEASE HELP! I FEEL HELPLESSLY TAKEN ADVANTAGE OF, BULLIED & MANIPULATED BY XXXX! 

I currently have new information regarding two CFPB complaints ; # XXXX and # XXXX, in which XXXX and PHEAA are taken advantage of me as a consumer and breaking protection laws. XXXX is allowing this fraudulent account to report on my consumer credit report although I have submitted my FTC Report, ID and social security card as proof that this account is fraudulent. I have submitted all of those attachments and evidence of XXXX 's criminal activity. 

I have called on the phone and submitted many disputes since XX/XX/2021, XXXX IS REFUSING to completely remove this account. Instead they are updating it. Fraud is fraud and XXXX is perpetuating this fraud by continuing to report it. 

I SUBMITTED MY FTC IDENTITY THEFT REPORT ALMOST 2 MONTHS AGO.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (VT)

In 2017 key bank was trying to collect against me on a totaled vehicle. I took them to court and their counter claim ( the outstanding balance ) was dismissed with prejudice by the judge. Key bank instead of removing it from credit as they were supposed to. Key instead moved it to a charge off collections account which shows as derogatory on my credit. On top of 4 years impacting my credit I am now realizing damages while trying to finance a vehicle. Key have been slow to respond and unwilling to correct the issue in any reasonable amount of time.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (HI)

On XX/XX/22 I called Citibank 's Citigold customer service and placed an order for XXXX euros to be delivered to my home. My wife and I are heading to XXXX for our XXXX wedding anniversary and I wanted to utilize the Citigold 's XXXX XXXX service to obtain currency before the trip. The customer service agent took down my information including the address where the euros were to be delivered. The agent read me a disclosure asking me to assume responsibility in the event that the money was lost because I was having it sent to an address other than my physical address. I agreed and the agent gave me a confirmation number for the transaction # XXXX. They then told me my order was accepted and the euros would be delivered on Monday. When Monday came and the euros did not come I checked my account and saw the transaction had not been processed. I waited until Tuesday and called customer service. The agent saw my order but could not tell me why it had not been fulfilled. The agent indicated they would have to reach out to that department and call me back. Later that day the agent called back and told me that the other department " cancelled the order because it was not going to my physical address and they don't send euros to Hawaii ''. I have used this service in the past and had currency sent to my Hawaii address. I spoke with the agent and apparently they had no intention of informing me of the cancellation and she could not tell me why or when the service had been changed. 

The marketing material for the service ( copy attached ) does not indicate that the bank excludes customers from this service based on the geography they live in. I don't think the bank should be able to not provide a service to a customer who lives in a US state or territory based on their geographical location if they are willing to accept deposits from those customers.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (NY)

Please be advised The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA XXXX # XXXX {$780.00}, XXXX XXXX # XXXX {$380.00}, XXXX  # XXXX {$180.00}, XXXX XXXX XXXX # XXXX {$560.00}, XXXX XXXX # XXXX {$510.00}, XXXX XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$150.00}, XXXX XXXX # XXXX {$670.00}, XXXX XXXX # XXXX {$280.00}, XXXX XXXX # XXXX {$210.00}, XXXX XXXX # XXXX {$280.00}
Consumer complaint received 2021-08-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation (OK)

I have an existing title loan with One Main Financial from the XXXX and XXXX location or very close to that intersection in XXXX. My problem is not that I can't contact this office, it is the opposite. My payment is due on the XXXX of the month, and I have usually been paid a month in advance, but due to a unexpected expense, I was not able to pay on the XXXX. I knew I would pay it on the XXXX when I got paid. I had a missed call from One Main on the XXXX of XXXX at XXXX, at that time I went in and scheduled my payment online to be debited from my account on the XX/XX/XXXX in the amount of XXXX which is the amount that was due with late fee as they posted. I received another call on XX/XX/XXXX at XXXX XXXX which I missed because I was on another call for work. I returned the call at XXXX XX/XX/XXXX and spoke with a lady who was able to pull up my account to see why I was contacted, since I had scheduled my payment, she said I was good and did not know why XXXX I believe was the name of the guy who had called. I thought okay, all is good. On XX/XX/XXXX at XXXX XXXX  I received another call from XXXX. He said that he saw I had scheduled my payment but I needed to pay another {$26.00} for additional late fee and was trying to get me pay it on the spot and to setup auto payments. I informed him I would take care of the additional fee, but was not going to setup auto pay. He was wanting to know why I could not pay. I kindly told him I was not going to go into detail only that something unexpected came up and I would take care of it. On XX/XX/XXXX at XXXX I missed a call from One Main so I returned the call at XXXX and spoke with XXXX again XXXX XXXX told me that I did not pay the additional fee and wanted to collect it, also told me that he had in his notes that I told him that I was going to cancel my original payment to make a new one to include extra fee. I stopped him and told him I never said I was going to cancel my payment, only that I would take care of the additional fee. I also told him I did not appreciate his harassments for a payment I had scheduled. I feel like it is very unethical and excessive to be considering that I was not 30 days past due and I had scheduled a payment. I have never been harrassed like this before. I have kept my account in good standing to get this kind of treatment. I told him it was very unprofessional of him for these very reasons. I would understand if I was delinquent 30 plus days, but I was not. If I am getting treated this way I can only imagine how others are being harrassed. If I had the ability to pay this loan in full I would.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

My credit score dropped 21 points overnight for no reason. ( Citing " Your number of accounts with balances decreased by 1 '' ) ( " On your previous report, you had 14 accounts with balances -- now you have 13, which could mean you closed an account or paid off a card you no longer use '' ) Neither of those two reasons are Accurate BOTH are false statements giving no justification to Experian actions.

I am of the belief that this company ( Experian ) uses deceptive practices to deprive consumers of fair credit score ratings. Experian I believe is being paid by companies to provide poor credit score rating allowing for higher interest to be charged for loan products and in many cases keeping targeted XXXX XXXX Consumers out of the lending market causing economical hardships to targeted XXXX XXXX. 

The fact that my credit score increased 11 points this month from XXXX to XXXX due to the fact that I paid my loan balance down. Then decreased 21 points in the same month taking the 11 point increase for paying my loan balance down and 10 more points from my previous XXXX score denying my efforts to achieve a higher credit score quest ultimately denying my participation in the Economical process. 

I HAVE NOT CLOSED ANY ACCOUNT. 
I HAVE NOT PAID OFF A CARD I NO LONGER USE. 

Experian promotes a product they call Experian Boost to help build credit scores for a cost all about a dollar maybe Experian feel I should pay them as well to support my credit score goal and if not they will continue with Experian Deceptive Practices. 

Experian XXXX XXXX XXXX would be a better assessment of the company goals. 

XXXX XXXX XXXX XXXX ..
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

My husband lost his job in XX/XX/2021 so we missed the XXXX payment. We contacted XXXX and they advised to call them when he received his paycheck from his new job so they can evaluate us for a repayment plan. We contacted them in XXXX to start a payment plan. The gal we spoke with agreed that we would be paying XXXX a month on the XXXX of every month except for XX/XX/2021 as the XXXX was on a weekend. This would be for 6 months. Then we started getting notifications in the mail stating our house was going to start the pre foreclosure due to us not making our payments and for not contacting them to set something up. I get 5 letters months stating the same thing when my payments are automatically taken out of my bank account. It is frustrating that when we call we are told not to pay attention to the letters as we are current but then to get those letter in the mail which do not show the correct information. I was told today that per HUD those letters have to go out but you would think that if we are abiding by our payment plan we would not get those letters. All I am asking is that those letters reflect the correct information. I have asked them to fix them but they said they can not.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Keystone Law LLC (TX)

I get 1-2 calls per week from a person who identifies himself as XXXX XXXX from Keystone Law LLC, XXXX, PA Ph. number - XXXX, However it seems to be a different voice on the call at different times. 

" this calls from a debt collector this is an attempt to collect a debt ... no attorney has reviewed this account ... '' They have never provided any details indicating they know who I am or any details about the debt they are trying to collect, either in writing or by phone.

I think they are just phishing against the phone number. I have never answered or replied, and will block the number, but it stands out that they continue to call this number from a published company and name with no verifiable details or justification. I will not engage them unless additional evidence is provided in writing.
Consumer complaint received 2021-06-04
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2023-10-13
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I went to your store the one in XXXX XXXX purchased all my kitchen appliances from Best Buy. The issue that I have is with the microwave trim kit. The first one I got was dented I called Best Buy to notify them of the issue. I received another when the crew members came to install it was forced in and the microwave kit was dented it. Called Best Buy again they sent me another microwave kit. Crew members came again not able to install it because it was the wrong size, they took it to back to the store themselves ( crew members ). Called Best Buy again was sent another microwave kit wrong size again this time Best Buy sent XXXX to pick up the kit. At this point I don't know what to do anymore. I paid for all my appliances, but I'm stuck with a dented trim kit. I don't have any trim kits in my possession except the one that's installed which is dented and loose on top. I have called multiple times and they have me on the merry go round. I spoke with XXXX the supervisor who promised me XXXXXXXX XXXX card. Last time I spoke with her was on XX/XX/XXXX gave a reference number XXXX XXXXXXXX and told me I should be receiving a XXXX card within XXXX  days. At this point nothing, this issue has not been resolved. I'm tired and annoyed of calling have explained the issue to multiple people on their customer care department and I keep getting a different story every time. Until today I have not received the XXXX that was promised to me which is rightfully mine. See files XXXX pic is dented at the edges and second pic the kit is loose on top not properly installed.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

After filing for Unemployment in Kentucky in XX/XX/2020 Ky unemployment began sending benefits to a prepaid card i did not possess. When I got a new card and reporting to Bank that XXXX dollars had been sent to a prepaid card and was spent by someone other than myself and i was not getting charges against my new card not made by me i was told it had been sent to XXXX XXXX XXXX and they closed the case without any compensation. They only looked into the new charges totalling XXXX dollars and froze my account kept the XXXX dollars that i had in the account they then closed my account cancelled my card and never replied to another email or call. A supervisor i spoke with told my I was a lying theif only attempting to get free money and call me a bum. I complained to Corporate and CEO of BoA. I am still emailing ky unemployment about the funds missing but stilll nothing. I was forced to take the prepaid card or not recieve any funds and then was forced to accept a theft of XXXX dollars without being able to do anything. I want Bank of America to be held accountable for this and pay me back the money wrongfully taken from me that belonged to me and my family. I can not get any help me.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I applied for a job which pays via credit card and my information was stolen and is now being used in other area for credit use. 

The job was listed on XXXX for mystery shopping for consumer research as it was listed.