davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WA)

I'd like to file a complaint against Citibank for closing down my Savings account XXXX on XX/XX/2019 based upon an overdrawn status. The negative balance of {$59.00} were all service fees billed by the bank during the past two months due to XXXX balance in the account. 

When I opened the account with Citibank Online on XX/XX/2019, I did NOT believe the account was fully opened and therefore no initial deposit was made to the account. Because I had neither full access to online banking nor any mail correspondences from the bank I could not see the status of the account. However on the statement dated XX/XX/2019, I did notice two fees were billed to my account : {$25.00} Monthly Service Fee, and {$34.00} Overdraft Fee. This resulted in a negative balance of {$59.00} which had turned my account into overdrawn status. On XX/XX/2019, a letter arrived stating that my account was closed because of the negative balance and I am still responsible for paying the overdrawn amount or Citibank may take adverse action.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

XXXX XXXX XXXX XXXX XXXX Utah, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX I had XXXX XXXX XXXX XXXX XXXX XXXX my XXXX XXXX XXXX  and obstruction for XXXX XXXX removed. 

They went over by 39 minutes on procedures and billed me XXXX and my insurance said its not allowed! 
Its now XXXX plus I have been trying to get them to drop there over sight the max billing on procedures is already done. 

Thank you for youre help.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have emailed and faxed the authorization to XXXX XXXX XXXX  multiple times over the past month and XXXX XXXX XXXX  claims they have never received it even though we have talked to multiple people, and been given multiple and different fax numbers and email addresses.

*****There is a FORECLOSURE AUCTION IN TWO DAYS AND XXXX XXXX XXXX IS REFUSING TO SPEAK TO US AS AN AUTHORIZED THIRD PARTY********* Today, we spoke to a manager who supposedly gave us her personal fax and assured us she would call uW back the moment she received it. Guess what??? -- -- NO CALL BACK FROM MANAGEMENT EITHER. XXXX XXXX XXXX has been playing this Authorization Game with us for over a month. Seems the only way they will acknowledge receipt of our authorization is to file a CFPB complaint, so here it is.

I expect XXXX XXXX XXXX to be fined appropriately for this purposeful deception and fraud. If the CFPB or any other government entity would like a full and complete list of the multitude of issues we have with XXXX XXXX XXXX on EVERY SHORT SALE FILE WE HAVE EVER HAD WITH THEM, they need only to ask.

I expect this authorization to be attached to the file IMMEDITAELY AND WITH NO FURTHER DELAYS OR EXCUSES!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020, my name was legally changed from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. The Social Security Administration was notified the following day and promptly updated their records. 

Throughout the month of XXXX I notified all of my creditors and financial institutions of the name change. That process was complete by mid-XXXX, and in XX/XX/2020 I began receiving statements from my creditors with my correct legal name. 

Since then, the credit bureaus should have been notified of the change via my creditors and financial institutions. However, I can not access my credit report. I am a user of the third-party credit checking service XXXX, which is how I first discovered that my credit history had disappeared. 

At the urging of XXXX 's support staff, I attempted to retrieve my credit reports directly from the bureaus via annualcreditreport dot com. I tried requesting my report using my correct legal name XXXX XXXX XXXX XXXX XXXX and all three bureaus notified me that my credit could not be pulled. I also tried using my former name XXXX XXXX XXXX XXXX XXXX, with the same results. 

As my information has been corrected with my creditors, financial institutions, and the SSA, there is no legitimate reason for my credit report to be inaccessible. My address, SSN, employer, etc. did not change, so there are no complicating factors. This was a simple name change. 

This puts me in an impossible position as I can not access my credit report to file a complaint or even determine what the problem is. Without access to my credit report I am unable to diligently and responsibly manage my finances. This is a clear violation of my rights under the FCRA. 

Furthermore, the bureaus ' inability to process a legitimate first name change disproportionately affects members of the transgender community, and is likely discrimination under state and federal laws. I am prepared to escalate this issue if it remains unresolved.
Consumer complaint received 2022-07-11
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. (TX)

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

I received a debt letter from Credit Collection Services. I called them to inquire about the debt. They stated I owed XXXX XXXX. I immediately called XXXX XXXX times and they ran my name and SSN and stated that I had no debt with them period. I had auto insurance with them and switched my Auto insurance to XXXX. They sent me a refund in the mail for the over premium that I paid to them before switching to XXXX. 

I called CCS back and told them that I DID NOT OWE XXXX any money and I offered to call them on three way so the AGENT at XXXX could tell them that. They refused and stated they did not have time to do that. 

I sent CCS a certified letter stating that I did not owe a debt to XXXX or to their company and to cease contacting me for this debt. They responding by sending me a debt letter from XXXX. Why would XXXX send them a debt letter and not me the allegedly DEBTOR? Makes no sense. 

If I owed XXXX any money and XXXX did not send me a demand for payment or can not tell me that I owe them anything then that is XXXX XXXX decision. I have never done business with CCS who is a bottom feeder debt collector. I do not wish to do any business with CCS PERIOD.
Consumer complaint received 2021-12-07
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. (TN)

I am a consumer and this is XXXX XXXX XXXX. 

This complaint is not being submitted by a third party. 

FTC report number XXXX is proof of identity theft. 

Transunion received the identity theft report on XX/XX/2021. 

In this matter, block of information resulting from identity theft is permissible pursuant to 15 USC 1681 c-2. Transunion is a consumer reporting agency and upon receipt of information that resulted from an alleged identity theft shall block the reporting of any information not later than 4 business days. 

As of XX/XX/2021, Transunion has violated my consumer right pursuant to 15 USC 1681c-2 and failed to block any reporting information that resulted from an alleged identity theft within 4 business days of receipt.
Consumer complaint received 2020-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlas Credit Company, Inc. (TX)

I mailed a payment of {$110.00}, check number XXXX, dated XX/XX/2020 for my payment due on the same day. 

The check was lost in the mail, as I mailed it to an old address, and was not notified by the company, Atlas Credit, that they had moved to a new address. 

I informed the worker at Atlas Credit that I would come into the store and make the payment in person. 

So I drove to the old location, only to notice that there is a new location when I got there. I called the store, and at this point the worker gives me the new address. 

I make the payment due XX/XX/2020 with replacement check number XXXX in the amount of {$110.00}, dated XX/XX/2020. 

I had another regularly scheduled payment due on XX/XX/2020. On or about XX/XX/2020 a worker from the store calls and informs me that I have a payment due and asks when I would be making it. 

I replied, I dont know. The response was not sufficient to the worker and they told me they would call everyday until I made the payment. 

For the next two plus weeks, I got a call every business day from the store ( as identified on my caller id ). Each time I did not answer the call. 

On XX/XX/2020, I mailed check number XXXX in the amount of {$110.00} for the payment due XX/XX/2020. 

On or about XX/XX/2020 the collection phone calls from the store ceased. My presumption is that they received the check payment. 

On XX/XX/2020 I called the store to ask whether they had received the check mailed on XX/XX/2020 and to get the loan payoff amount. 

The store worker advised me, much to my chagrin, that they had not received the payment. 

Very odd, to say the least, considering the store worker had previously harassed me on a daily basis ( prior to me mailing the check ), as she pretty much said she would. 

I personally feel that, based on the circumstances, the check mailed XX/XX/2020 was not lost in the mail, but rather it was received by the store and PURPOSELY being held and not applied to my account, so as to negatively affect the credit reporting. 

Rather than take a chance on the negative credit reporting, I decided to personally deliver a cash payment of {$250.00} and some odd cents to the store to pay off the loan. 

In summation, this company is engaging in unfair, scrupulous and deceptive practices.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

OnXX/XX/XXXX I visited the Ashley Furniture store in XXXX, Florida to buy a couch with my girlfriend. We found it and decided to get it. The price was {$1500.00}. I put down {$500.00} on my MasterCard and was left with a balance of {$1000.00}, which I financed through Ashley Furniture / Synchrony Bank. They approved me at that time for a {$4500.00} credit limit. After we left the store, about 30 minutes later we received 2 calls from Ashley Furniture and they were asking me if I had some of the documents that we filled at the store. I told both the salesman, and the customer service lady that I didnt, all I had was my receipt.In the beginning ofXX/XX/XXXXI made 2 payments to Synchrony Bank and paid the full remaining balance of {$1000.00} in full. On XX/XX/XXXXI got a notification on my phone that there is a new charge on my account, I immediately called the number on the back of the card and informed Synchrony Bank that theres a new charge on my account and its not mine. They closed that account, sent me a new card and said that they will investigate. After they completed their so called investigation, they are insisting that I owe them this new charge of {$1500.00}. I was shocked, I called them many times and told them that I have not made any new purchases other than my couch.I contacted Ashley Furniture and they emailed to me the information they have regarding my account. After looking carefully at the documents, we noticed that they have written the other customer purchase order # ending in XXXX on my document. My purchase order # ended in XXXX.There seems to be another customer that is mixed up with my account from what Im seeing in the documents that they sent me, you can clearly see her name and address. Its pretty clear that they mixed up my account with hers, and now Im responsible for her purchases according to Synchrony Bank. This is insane, I dont know who this lady is, it shows a completely different address than mine, in another city. I have been dealing with this nightmare for months. I also had to open a XXXX / XXXX identity protection account which costs me $ XXXX/month. They are causing me and my family a lot of stress and we need somebody to stand up for us, because we tried everything, but they dont care.I have contacted the Florida Attorney Generals office as well for help.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MO)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (FL)

Good morning, I had an bank account inXX/XX/XXXX with Navy Federal credit union. I took a out a personal loan because of the damage that Hurricane Michael did to my home. I became delinquent with my loan. After so many threats from navy federal credit union I decided to close my account because I could not afford the loan payment at the time. I set up an arrangement with the credit/loan department. Fast forward toXX/XX/XXXX, I checked my credit score and I have a loan debt on my credit for $ 18k? and I only borrowed {$3500.00}. I was in total disbelief that they improperly reported that amount in debt to the credit bureaus '. They have sold my information to a debt collector and I am currently waiting on a call back from Navy federal Credit Union to be informed about who the debt collector currently is. I currently hired a credit expert to look further into this matter. I just read the article about the mean, rude and deceiving practices Navy debt collectors were doing to bank members about delinquency in loan payments. It very much seems that they are taking a new approach by improper reporting debt amounts to credit bureaus. It's very unfair to members. Especially service members which I'm sure is being affected by this as well. 

Thank you for reading.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is in reference to a Bank of America claim. The merchant issued me a credit for a returned item in the amount of {$1600.00} on XX/XX/XXXX. Bank of America says they did not receive it and I opened up a claim with B of A on XX/XX/XXXX. They say that their policy is to keep me informed of the status of my claim and I have heard nothing. However, each time I call to check the status, all I get are different lies from their staff. When looking at my online account, it says " there are no active cases '' which gives me the impression that they have made no moves on this claim since the date I filed on XX/XX/XXXX. Another person told me that they sent a computer-generated letter to the merchant but the letter doesn't have a date, which is another lie because the date would have been automatically generated with the letter. I have reached out to the CEO of Bank of America and have gotten no response. I have been a consumer with the bank since XXXX and I have put up with their nonsense and incompetent staff for a very long time and I am tired of it! They need to train their staff to be truthful ( although you shouldn't have to train a person to tell the truth ).
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have been called by this company Portfolio Recovery at late ours and other family members homes. I also was served papers for a wage garnishment. I was ordered to pay XXXX a month. After learning that Florida has a statute of limitation of 5 years for debts. This debt is older than five years. At the time of court visit I was unaware of the 5 year statute of limitations. I also have a few other collections with them that are older than 5 years.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I have tried to have this account corrected multiple times even previously filing a complaint with the CFPB. This account was set to be removed from my credit report as of this year as it had been reporting past due payments since XX/XX/2015. This past month the payment history was updated to remove those past due payments to allow the account to remain on my credit report for more than 7 years. This is an unfair abusive and deceptive act. I am done dealing with Credit Acceptance and their continued practices and I am ready to file legal action against them. This account went into default over 7 years ago and needs to be removed from my credit report. Additionally, the last payment received on the account is not accurate as it was not the last voluntary payment made. The last payment on this account made by me was in 2015.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When the COVID-19 pandemic first occurred I called the company, XXXX XXXX, when I first lost my job and they told me that the only thing that could be done for me is they would erase late payments. So as soon I as I received any financial assistance I made sure it was one of the first bills I took care of because it was showing up as a late account on my credit report. That was in XXXX. In XXXX the account was up to date. I kept checking my credit report and it has not been updated since XX/XX/XXXX. I have been in contact with them 4 different times and they have given me different answers every time. I called XX/XX/XXXX and they told me there was a freeze on my account and they were going to take it off so my credit would be reported on the XXXX on XXXX. I then received an email XX/XX/XXXX and it said they were not reporting until XX/XX/XXXX. Now they just told me I have to fill out a form to take the freeze off. I also have disputed this with each of the credit bureaus and they told me the information was accurate and nothing about a freeze.
Consumer complaint received 2022-11-19
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. (AR)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I am in need of removing the following fraudulent accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Also, you have been failing to verify to me the accuracy of the disputed accounts and yet you have been claiming the these items have been verified. You have failed to meet your responsibilities.