davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NY)

To whom it may concern, I was expecting to receive a check from Citi Bank late last year regarding to the reimbursement of car insurance. Not only I did not receive my check, but also told by Citi Bank that the missing check was instead cashed by one of the XXXX XXXX  Branch. I have confirmed with Citi Bank that the only payee on the check is me so that the check is cashed unauthorized. 

I have been contacting Citi Bank since the incident was aware, however, they report that they can only provide me up to the information of cash date, XXXX XXXX  branch, and the check number and refuse to escalate this issue to their Treasury Department for further handling. 
I have also contact XXXX XXXX  about this issue since I am also an account holder of XXXX XXXX, but they only reply that this issue can only be handled by Citi Bank and also refuse for further handling. 

I have information including the Citi Bank Claim Number ( also their reference number of the case ), check number, Branch information where the missing check is cashed, cash date, and check amount upon your further request. 

your help is sincerely appreciated
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.
Consumer complaint received 2020-04-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northtown Capital Services Group LLC (TX)

On XX/XX/XXXX I received a phone call from a debt collector who Identified herself but not her company via voicemail. I returned the phone call and after stating I was the party that they were looking for the female who answered proceeded to tell me this was about a debt and asked why I stopped paying the debt. She did not identify who she was with or the name of the company that originally owned the debt until I asked about it. While this was not a violation of FDCPA, she did fail to give notice that is is an attempt to collect a debt and any information obtained will be used for that purpose. 

The primary reason for the complain is a violation of FDCPA section 809 subsection a ) notice of debt ; contents. 
" Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- " It has been 8 days since the initial communication and the collector has not sent notification. This is a clear violation of the FDCPA.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Hello, I wanted to report a fraudulent international transaction that was done using my XXXX account. 

Parties involved here : XXXX  ( an international money transfer service ) My bank : Fifth Third Bank. 

Today morning, at around XXXX CDT  I noticed a transaction of {$2000.00} that was done. 
Recipient was an Individual in XXXX holding a bank account with XXXX bank. 

Please note : this transaction was not done by me. 

Action taken from my side : 1. Contacted XXXX and informed them about this transaction. 
2. Emailed my bank about this transaction. 
3. Filed a report at identitytheft.gov Action taken by XXXX : 1. Deleted my payment method ( debit card ) 2. Cancelled another fraudulent transaction. 
3. Suspended my account. 

Action taken by my bank : As of writing this complaint, I don't know what action has been taken. 

Action taken by me : I did call my banks customer service and they provided me with another phone number which belongs to fraud/disputes department. 
I called fraud/disputes department of my bank but no response. My call was placed on hold for a long time. 
I have sent an email to my bank along with the dispute letter provided by identitytheft.gov Thanks, XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$1300.00}
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX  XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$1300.00}
Consumer complaint received 2020-02-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax is incorrectly reporting me as an Authorized User on the XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION (NV)

PenFed credit union, which has a history of being defrauded ( most likely due to inept Know Your Customer enforcement ) has sent me letters that my account is overdrawn. I have never opened an account with PenFed. I have contacted PenFed  repeatedly, and they are refusing to investigate the issue until I file a police report. 

To be clear, I have never signed a contract or opened an account with PenFed, thus I do not have a fiduciary duty to them in any capacity whatsoever. They are demanding that I file a police report prior to their opening an investigation. As I do not have any relationship with them whatsoever, I am not in any way compelled to honor their request. 

The account that they are claiming is associated with my name was opened in XX/XX/2020, thus it is less than 60 days old. During that time, one or more checks was deposited into the account, and subsequently returned by the issuing institution as fraudulent. During that time, PenFed allowed the account to be overdrawn by {$5400.00}. That is grotesquely negligent. 

Due to the XXXX  breach last year, the names, addresses, and social security numbers for virtually every American are available online. If PenFed is allowing people to open accounts with that information alone, they are not simply negligent, they should be both civilly and criminally liable. I have requested PenFed provide me with the signature and photo identification that was provided when the account was opened, and they have refused. 

PenFed was defrauded last year for a XXXX dollars in the exact same fashion. 

XXXX XXXX XXXXXXXX  Apparently they have learned nothing, and have taken zero steps to enhance their Know Your Customer compliance. If every bank and credit union in the country were as lax as PenFed, I and every other American would waste hundreds or thousands of hours a year filing useless police reports. It is PenFed 's DUTY to investigate when they have been defrauded. It is not my responsibility to take any action prior to their investigation. This is especially true as the account in question was opened fewer than 60 days ago. 

I have contacted the Chairman of PenFed via this webpage, XXXX XXXX XXXX  I have also contacted their CEO XXXX XXXX via  XXXX  XXXX 

As of XX/XX/2020 I have not received a response.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Chase recently closed a credit card account without asking or notifying me. When I called to inquire why, they said it was due to " bank policy ''. The account was current and in good standing, as are all of my other accounts with them. The representative I spoke with could not reinstate the account or provide any explanation for why it was closed. 

Based on a career spent XXXX XXXX XXXX  XXXX XXXX, I know these types of things can happen by design or by accident. When policy is referenced, I assume the process is working as designed. 

I'm confident they can do better.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I noticed i had a fraud alert on my credit report active until XXXX XXXX i thought alerts lasted 1-2 years before re-instatement. I have made serval attempts to have the alert removed temporary or permanetly. I have called the XXXX  and nobody ever answers. I have sent certified letters and nobody responses. I had finally spoken to a representive that supposalbly removed the alert or phone number verfication alert, But, evevytime i apply for credit i get denied do to the alert on my report. i have tried so many times to contact all agencies but nobody answers the phone. I need to remove the alerts and confirm my phone number is updated correctly which it shows on my credit report to be correct.I have had the same phone number for 20 years
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

Beginning XXXX, XXXX up to and including XXXX, XXXX, the Bank charged my checking account a Client Analysis Fee that I never agreed to neither was I consulted about ( See Exhibit 1 ). In addition, the Bank, for same period, charged me the regular service charge, to which I agreed ( See Exhibit 2 ). The so-called Client Analysis Statement is a fraud designed to deprive customers of their funds in order to increase the Bank 's profit ability. I wonder how many customers have been subjected to this fraud. It's important to investigate and rectify this situation.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

I had taken my sick pet to the vets, he was going to need immediate care. I only had a limited amount of funds on my person, so the vet recommended this credit card ( Credit Care ) as a means of getting my dog into XXXX asap. At the time the service had a special rate going on ( waived the interest ). I had been paying the card monthly without fail. The limit was for {$3000.00} ( that was in XXXX ). I have never failed to pay the monthly bill, but today XX/XX/XXXX, I find out that after Six years of paying this bill I still owe XXXX. I called the company ( Synchrony Bank ) and they told me that during the time of getting the card I was only given the special interest rate if it was paid within the 12 months. After the first year and it was not paid in full then I was being charged 26  %  Interest rate.. So, in 5 years on a {$3000.00} credit limit I have already paid back Double that, plus, they say I still owe almost another {$2000.00}, which does not include interest if I only pay the minimal amount due. Please help. Had I known then the cost I would never have applied for the card ... but for my pet being very ill. I have paid addition {$500.00} dollars ( XX/XX/XXXX ) to try to get closer to a pay-off and not incur these High Interest Rate ( 26. %  ).
Consumer complaint received 2019-07-30
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. (CA)

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete ALTERNATIVE XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX   CREDITOR ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2020-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

i had XXXX  XXXX service which was automatically applied to my credit card on a monthly basis.Icancelled that service within the required time period and returned their equipment.Icalled CAPITAL ONE, my card company and told them the XXXX account was cancelled not to accept or apply any requests for payment to my card, their represenative who are in XXXX XXXX assured me they had put a stop order for any transactions from XXXX XXXX XXXX  ; i called back several to assure there were no charges being applied again all in XXXX XXXX XXXX XX/XX/XXXX i got a bill from capital one and there was a charge for {$100.00} for XXXX XXXX that they assured me would not be applied.i called CAPITAL ONE they told me they did not know what happened or why the transaction still posted., they did not offer to help or fix the problem and after spending hours on hold and numerous calls all to no avail ; i had no recoursebut to cancell the credit card. i also sent a letter to capital one customer center in utah and have heard nothing from them.this company is terrible you cant get a phone number for any office in the U.S. all the numbers listed for calls end up in XXXX XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (CO)

My auto loan company failed to advise me that the automatic payment withdrawal from my bank account wasn't posting to my account for 2 months ( XXXX & XX/XX/XXXX ). I received a letter from the auto loan company XX/XX/XXXX stating that my account continues to be in default. As soon as I was notified of this, I checked my bank account for accuracy, found out that my automatic recurring payment was only active for 6 months, did not receive any notice from my bank account either that my automatic recurring payment would be ending, but my bank has also changed names 2 times. My account is current, however, my credit score has been NEGATIVELY impacted due to this issue that could have been easily avoided with communication.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (OR)

I recently got a call today from a company called XXXX  I honestly have absolutely no clue what this is all about. When I tried to callback I get a automatic system robot not a actual human being. No actual person, or name or reference to what this is pertaining to. I do not have any outstanding debt from this so called company. Please inform them to stop calling.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/XXXX I submitted a complaint to CFPB regarding inappropriate actions taken by Shellpoint Mortgage/New Rez, the mortgage servicer who services my home loan. Shellpoint was not paying my taxes on time despite receiving monthly escrows and constant phone calls from me urging them to correct this error. On XX/XX/XXXX I contacted CFPB for a status update since I hadn't received any feedback. In turn, CFPB shared a letter addressed from Shellpoint to me indicating that they acknowledge the error ( see attached ). However, Shellpoint also said that due to anticipated tax increases my escrow payments will be increased.This is not accurate because ( 1 ) my property taxes have not changed and are not scheduled to change anytime soon ( see attached tax bill for 2020 ), ( 2 ) in NJ property taxes do not change unless your property has been altered, which is not the case in my situation and 3 ) taxes are determined XX/XX/XXXX of the previous year, so my taxes are pre-determined. " In New Jersey, taxes on real property -- land and structures -- are assessed based on their value on the first day of XXXX of the year that precedes the first installment of the tax bill. Your property tax bill is divided into four installments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. '' I have been in the same house for nearly 17 years. 
Based on the above, there is no basis for Shellpoint to increase my escrows. Again, my desired resolution here is to be allowed to pay my taxes directly as I do not trust the practices of Shellpoint ; they are known to be nefarious. 

cc : NJ Consumer Affairs Attorney General Office of NJ Department of Banking & Insurance of NJ
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

This account continues to report inaccurately as delinquent on my credit report. I have contacted the company on various occasions in XXXX, XXXX and XXXX to correct. However to date this matter has not been resolved. I requested proof of past due status as reported XXXX - XX/XX/XXXX ; and CO from XX/XX/XXXX - XX/XX/XXXX ; however I have not been provided any validation of the debt.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

The caller identified herself as XXXX and that she was trying to collect a debt. When I asked her for info on the creditor she stated that she was not given that info. She said the debt was for over {$4800.00} but she was offering a settlement for just under {$1500.00}. When I told her that the debt had been paid in XXXX, she stated that we had been ripped off and that I should XXXX the company. The credit bureaus no longer have a record of this debt since XXXX. She threatened several times that her attorney WILL be taking us to court immediately.
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (KY)

I was alerted by XXXX XXXX app that a collection had been added to my credit report and the main credit reporting agencies. The collection is from Midwest Recovery Systems, regarding a debt of {$230.00} to XXXX XXXX XXXX XXXX?! This is not my debt! I do not know the company XXXX XXXX XXXX XXXX, nor have I used any check advance company, nor have I even had checks in many many years. Upon doing a quick XXXX search, it appears this is a fraudulent and illegal tactic used by Midwest Recovery System frequently. As I was in the process of applying for a home loan when this fake debt appeared on my credit report, I am considering filing a law suit against Midwest for such fraudulent behavior and the damage it has caused me. Midwest Recovery Systems needs to remove this fraudulent debt from my credit report immediately. I am also reporting to the XXXX and filing disputes with the 3 main credit agencies. My next step will be to hire an attorney to go after MRS for such fraudulent and criminal behavior. Please stop this criminal company from further damaging people 's lives.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX