davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Because of COVID and a health issue, I am unable to pay the balance on my ATT-Universal Credit Card issued by Citigroup. On XX/XX/XXXX I wrote Chairman XXXX XXXX, CEO XXXX XXXX, and President XXXX XXXX and sent the letters by XXXX with a signature receipt, which I received back. In the letters I explained my situation asking for a lower interest rate on my card or a personal loan in order to pay my debt. I waited for several weeks but never heard back. In XXXX I made several attempts to contact a person with authority to help me but was given the " runaround '' and was unable to do so. Finally, on XX/XX/XXXX or XXXX, I spoke with a representative who told me that I had put a " cease and desist '' request on my account which was why no one replied to me. I told her that I had not done so. On XX/XX/XXXX I received a form letter, unsigned, regarding the 'cease and desist '' order informing me because I had done that they could not offer me a lower interest rate or payment accommodations. I called the number in the letter and spoke with a " XXXX '' in Arizona who informed me that to remove the order that I had to agree over the phone to several onerous provisions which I declined in order to protect my position. I believe that this whole process of preventing me frm resolving my issues is unlawful and reminescent of the XXXX XXXX criminal activity a few years ago. I am a veteran and XXXX years of age.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Fraudulent charges were made on my credit card ending in XXXX in XX/XX/2022, totaling nearly {$1000.00}. I reported this card as stolen and the fraudulent charges to Bank of America on XX/XX/2022. Case no. XXXX XXXX XXXX XXXX. I have contacted Bank of America several times since XX/XX/2022, to inquire about the status of their investigation and to get the charges removed from this now cancelled credit card. The Bank is not responsive and has turned me over to a collection agency. When I call to get an update on the investigation I am put on hold for over XXXX hours and I do not receive a call back. I have not received a notice from the Bank acknowledging my fraud claim regarding these charges. The Bank continues to charge me interest and fees on these charges. When I go into the Bank and ask for help they tell me to go to another Bank as they do not care. I am XXXX years old and I need immediate help with this issue.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I am contacting you about credit bureaus doing disputes and calling company and saying dispute has been dealt with no investigation has been done except calling the company who has put incorrect information on your credit report. The credit bureaus are not investigating disputes. They just take the word of the company giving the information. any one can claim to be a company and put false information on your report. with all the identity theft going on people can put false information on your credit report without justification. Then it gets disputed and the bureau calls the person puting the information on the report and say it has been investigated. it the mean time your credits being improperly reported. you only remedy is hire and attorney yes your credit is ruin and you can not afford an attorney. Now what happens i have been complaining and trying to solve problem with individual bureaus but they have no avenue to file a complaint. they are not responsible for insuring the information submitted is correct. My credit has taken a hit due to federal government extended time to show me XXXX and pay me as such. Took one year for social security which was quick and two years for the postal service to pay you what you deserve and since it is the federal government they are not obligated to pay interest on that money. I am still waiting on VA to pay my claim from XXXX of 2016
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 status incorrect
Company: Experian Information Solutions Inc. (SC)

I have sent out this letter regarding my accounts with all three credit bureaus. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) To Whom It May Concern : I have just received a copy of my credit report. There are multiple accounts that are inaccurate and inconsistent between all three bureaus. Also addresses and phone numbers are not matching the information that I have already provided to you with my social security card, current license and my birth certificate. I would like an investigation done at this time. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Furthermore Im requesting these items for current debts owed if verified correctly : * pay off of debt * Interest rate disclosure * Balance history * Payment history * Credit insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

Have received letters from company trying to collect on a debt that was written off by the original creditor. Each letter states a different balance on the amount owed. When checking my credit report this account does not show up and it tells me that the account has fallen off. While researching online i have found out that this company tries to get you to agree that you owe the debt and they will accept a smaller amount to settle.
Consumer complaint received 2020-11-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TIDEWATER FINANCE COMPANY, INC. (UT)

The car was paid off on XX/XX/2020. I had made 3 calls to get a payoff letter and after driving over 40 miles one way told the agent I refused to get off the phone until they emailed it to me. I finally had it emailed on XX/XX/2020. At that time I was advised my refund for the over payment on the payoff will take 30 to 45 days. On XX/XX/2020 I was told they have not processed my check and will have it processed and sent within 2 days. As of today, XX/XX/2020, they have not processed the over payment. Plus I need to have my account reviewed as I made my payments in advance and they continue to charge interest on on time there was no payment due. They have removed my payment history so all I can see is I have a XXXX  balance.
Consumer complaint received 2020-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had recently found out that I had lost my debit card, and woke up to my account being in the negative with transactions I hadnt seen before. I contacted Bank Of America and the most they did was send a replacement card, but not provide an credit or have my funds replaced.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (MD)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-09-15
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. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are two accounts in negative standing appearing on my credit history. I was not aware that there were accounts in negative standing on my credit report and when I looked through a copy of my report, I realized that those accounts are not mine. The accounts that do not belong to me are from two companies which are  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to these companies in any way ; I do not have any written or verbal contract with them nor did I gain anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also did not take part in any payments that might have been made towards these accounts. I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

on XX/XX/XXXX i found a summons to appear in count from Portfolio Recovery Associates on the outside of my fence on the ground, the date on the Summons is XX/XX/XXXX, the Attorneys for Portfolio Recovery Associates who's address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA, XXXX is the same address as Portfolio which seemed fake to me, so i went to the Court ( XXXX XXXX Justice Court ) to see if this was real and they confirmed that it was real, so i paid {$60.00} dollars which i did not have to spare to answer this summons, Portfolio Recovery is claiming i owe them {$2600.00} for a XXXX XXXX XXXX XXXX XXXX, in the Summons Portfolio claims " they took an assignment of the account in good faith, for value and in the regular coarse of business. '' in this Summons Portfolio shows no evidence of a contractual agreement, no paper trail of amounts such as purchases, late fees attorney fees, interest etc, I believe Portfolio bought this debt for XXXX on the dollar and thought they could intimidate me with this law suite to win by default hoping i wound not respond, in XXXX i was diagnosed with non curable XXXX XXXX and after 6 months put on XXXX XXXX   XXXX with the State of Arizona so i still have no money and have nothing to give these intimidating THIEFS, i am afraid to contact Portfolio Recovery Associates since i filed my Summons answer to ask them to send me proof of documentation because i dont want to say the wrong thing and incriminate myself, Thank you for your help.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (GA)

This is not my debt, it just randomly appeared on my credit file XX/XX/XXXX XXXX I was a victim of identity theft, Ive reported the identity theft to the police and all 3 credit bureaus with no resolve, Please assist me with clearing my name ... Franklin Collection Service is the collection agency and the original creditor is XXXX, I dont have an account with XXXX  or Franklin Collections, Ive never had an account with them ... they claim I owe them $ XXXX..this is fraud
Consumer complaint received 2020-11-27
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: AMERICAN EXPRESS COMPANY (TX)

On XXXX XXXX, 2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XXXX  XXXX, 2019, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-12-19
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. (MI)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

XXXX and XXXX XXXX Loan number XXXX XXXX contact number XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because : Mr Cooper/Nationstar loan servicer is continually applying payments improperly and proceeding and engaging in inaccurate accounting practices. 

There have been over 5 attempts to resolve this issue via phone calls and lastly by emails with Mr Coopers customer service over the last 45 days. 

I have requested that {$1000.00} payment made on XX/XX/XXXX be applied to XXXX payment and {$1000.00} payment made on XX/XX/XXXX be applied to XX/XX/XXXX payment. 
I have been assured each time this would be taken care of and there would be written notification. This has not happened. 
My daytime contact number is XXXX I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days See below : On Friday XX/XX/XXXX the following email was sent and received by Mr Cooper/Nationstar : Please accept this email as a formal complaint against your business. 
Per our phone discussions over the last few weeks I am requesting in writing this time to APPLY PAYMENT made on XX/XX/XXXX to XXXX payment and APPLY PAYMENT made on XX/XX/XXXX to XXXX payment. 
I hope this can finally be resolved. 
Thank you, XXXX XXXX Loan number XXXX XXXX
Consumer complaint received 2020-11-28
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

We are refinancing our current mortgage ( NewRez loan number XXXX ). The payoff statement for our existing loan provided by NewRez includes a line item for {$2600.00} for mortgage insurance that is in error, and needs to be removed. We have made numerous communications to NewRez over the past 21 days and have had zero follow up or resolution on the matter, and it is holding up the our refinance and is costing thousands of dollars in rate lock extension fees while we wait for the NewRez error to be corrected and a new payoff statement provided : XX/XX/XXXX Spoke with XXXX in the payoffs department and he said the matter would be escalated. We never heard back. 
XX/XX/XXXX Had a lengthy conversation with XXXX XXXX, supervisor, and he assured us the matter would be resolved. Never hard back. 
XX/XX/XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 
XX/XX/XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 
XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 
XX/XX/XXXX Emailed XXXX XXXX asking for a status update. Never heard back. 

Furthermore, in the course of investigating this matter, XXXX XXXX XXXX confirmed that NewRez never made a single payment on the mortgage insurance policy since the we closed on our loan in XX/XX/XXXX, and the XXXX XXXX   Certificate # XXXX was cancelled on XX/XX/XXXX. We are paying $ XXXX/month for mortgage insurance for a cancelled policy with a 95 % LTV loan with NO mortgage insurance right now.
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2023-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (WI)

on Thursday last week I sent a payment to my son of {$150.00} for a trip to XXXX. In the subject line I put XXXX trip. On Friday cash app froze my account and I cant transfer money to my bank. I cant buy anything and I cant transfer to anyone else. I can not access any of my money. They sent me an email stating that I needed to tell them within one to two days who this person was how long Ive known them and what is the purpose of the. And that they would respond to me in one to two days. they have not responded yet and they are holding {$350.00} of my money. I have sent them all the information they needed about my son and how long Ive known him and where hes going and why. And they have not responded. Ive talked to their customer support via chat and on the phone and they are very rude and wont tell me anything. They said that they arent in that department. They told me to wait for an email. Ive been waiting for an email they held this two days before XXXX. I am on a fixed income. I am XXXX and I couldnt get any XXXX presents for anyone and I dont have any money to eat either so I dont know what Im going to do. Ill probably have to go to the food bank or wait for my check to come in but as of right now Im out of luck I guess. I feel like this is illegal what theyre doing please help
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I made a purchase on my Macy Credit Card on XX/XX/XXXX. This was a large purchase as it was eligible for a 12 month no interest if paid before or on XX/XX/XXXX. Prior to this due date on XX/XX/XXXX I request a Covid-19 relief and per the two reps and audio recording, the minimum payment would not be required for two months and all promotional promo would be suspended for two months and the deferred interest would not be added. However on XX/XX/XXXX I received my XXXX statement showing the deferred interest was added along with additional interest despite having had the protection of the COVID-19 relief. Also, I received notification from my credit monitoring company of the increase which caused a negative impact on my credit report, dropping me down 10 points. 
The same day I contacted Macy 's at XXXX to have this mistake corrected. I was told 3 different lies. First, I was told that my Covid-19 protection expired on XX/XX/XXXX, which is not accurate as I have requested XX/XX/XXXX. Second, I was told the promotional promo expired on XX/XX/XXXX before I requested the relief, which is not accurate as all monthly statements from XX/XX/XXXX to XX/XX/XXXX showed the promotional due date as XX/XX/XXXX. The final lie, was despite me request the COVID-19 relief prior to the expiration of the promo balance, Macy/Citi did not approved it until the day after the promo expired on XX/XX/XXXX. 
I feel this company have operated in bad faith regarding Covid-19 relief. Phone recording should be reviewed from my call on XX/XX/XXXX at XXXX XXXX. as well as previous call in the month of XXXX regarding this account.
Consumer complaint received 2020-09-15
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: EQUIFAX, INC. (MO)

I submitted a dispute to Equifax about an inaccurate report from a third party company. I submitted my evidence that the report was inaccurate and the source of the record does not give that type of information out. I disputed the information for it to be removed and Equifax refused to do so.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

The financial institution in reference, received a deposit of {$81000.00} on XXXX. They suspended the account on XXXX without notice. I went to login online and was unable to and reached out immediately to find out why. Then the very next day on XXXX sent me an email stating they have closed the account. No transactions were made using this account, yet they closed it due to unusual activity. Not XXXX single action took place and within 3 days they denied me access to the account and requested proof of identity. I sent in both my previous and current drivers license and verifiers my XXXX and for over a week did not get a response from them. Nor did they give me any additional info as to whats going on. So for over the past month I have emailed and called endlessly to get a resolution but there has not been XXXX. When asking about the balance of the account, they have said they are not releasing it and Im not sure why.
Consumer complaint received 2020-09-15
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 — Investigation took more than 30 days
Company: LOBEL FINANCIAL CORPORATION (CA)

I have filed a dispute with XXXX  and XXXX  to removed fraudulent accounts be removed from my credit report, investigation took well over 30 days.