davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

Following my last complaint to the CFPB, Citi has retaliated by restricting my account, even though my account is current and I have not breached the contract we have in any way. 

Furthermore, the situation began when they revoked my access to my online account without cause of any kind, then proceeded to refuse to acknowledge the problem, let alone make any attempt to right the problem. This is the second time this year they have done this. 

Since I was enrolled in paperless statements, and Citi does not think they are doing anything wrong because they have no integrity or work ethic, I have not received a statement for 2 months. 

Citi is refusing to correct their errors because they don't like that they are getting cussed out on a regular basis. Last time I checked... having your little feelings hurt doesn't negate the contract we have. 

You are required to provide me with a monthly statement for my account, and you are failing to do so. As there is currently no physical way for me to pay on my account or manage the account otherwise... I'm not sure how you are expecting that I make my payments, as your customer service team doesn't know how to answer the phone. I am left with no choice but to consider your lack of cooperation as a refusal of my payments.
Consumer complaint received 2020-08-24
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 (TN)

On XX/XX/2020, I realized by the time I got off work that I had lost my debit card and that there was a transaction of a temporary credit adjustment to my account of {$2100.00}. I was at work the entire day of XX/XX/XXXX. I then logged onto my online banking app and saw that there were various amounts of money taken out of my account at local XXXX 's around town. One transaction was {$300.00}, another was {$500.00} and the final amount was {$1100.00}. I then canceled my debit card, ordered a new one, and changed my pin to ensure my safety. I then proceeded to call about trying to get the dispute off of my account just so no further actions could be done. My bank then proceeded to cancel the claim and start a new one with further investigation. I since then have sent a FAX of my clock in and clock out times at work on the day of XX/XX/XXXX so that they can see that the time those transactions were made, I was however at work and could not have made them. I am currently going to go to the local XXXX 's and request camera footage of the person who used my card so that I can further speed up the process and get all of the negative dispute out of my account.
Consumer complaint received 2021-02-01
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. (MD)

In XXXX of 2016, I filed several complaints about incorrect information related to debts from another person being noted on my credit reports. Resolution of the complaints involved removal of the debt information and all associated information such as other names and social security numbers that arose from the error. I recently learned that TransUnion continues to report that I have used the name XXXX XXXX. This name arose from the previous erroneous debt information needs to be removed from my TransUnion credit report. I need to be provided a free copy of my TransUnion credit report for verification.
Consumer complaint received 2022-09-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (RI)

Two issues Lender : SPS Servicing Address : XXXX XXXX XXXXXXXX, XXXX RI XXXX XXXX. Shortage in escrow, unsure how. Payments on time ( absent for covid relief, then forbearance to loan modification ). 
I began to make split payment around XXXX, did so for a few months. I believe that SPS servicing made a mistake and put " extra '' payment towards mortgage and not to escrow. Therefore, giving me less in escrow and a not payment " not due " til XXXX.

Id like for the payment analysis to be reviewed and corrected so my monthly payments do not unnecessarily increase.

I do have XXXX  's payment, just waiting to see this corrected before I send out it out. I DO NOT want any this to reflect negatively on my credit report. I'm not late and it was a mistake on SPS, hoping they can rectify it quickly.

2. I received a notice for mediation on a foreclosure from SPS, WHY? I'm not late and don't understand the problem. When I told the person that over the phone, they told me to simply disregard. Absolutely not, this also needs to be corrected in writing as the other issue. 
Please let me know how best to move for with these matters.
Consumer complaint received 2022-07-28
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: ALLY FINANCIAL INC. (CA)

Car repossessed had been given a reprieve on payments due to evacuation of California XXXX and pandemic. I was temporarily XXXX. 
They towed my car once established, I had been trying to reach them and they had my new temp address. With no response or paperwork they took my car on my moving out date. 
I paid all my fines, finance charges and on XX/XX/XXXX was able to retrieve my car that was moved again to auction yard 2hrs away. I called Ally and asked for my pink slip and was told I would have to wait 45 days. I asked for paperwork that explains this. Never received anything. Gave her my new address and waited. In XX/XX/XXXX I had an alert from XXXX that I have XXXX outstanding on my credit report? 
Why no bill like other financial institutions? I pay my bills, you have my email as well. 
My car hasnt ran well since I picked up from the 2nd salvage yard. It hadnt ran since and now I need to sell it so I can buy a car. My mechanic is looking at it and said it could be from the towing and is taking photos. 
I would like my pink slip on 30 days and the XXXX charge forgiven as I have paid already XXXX plus fines that are more then the car is worth. The car had been paid in full. 
I am sending this letter as requested to out XXXX XXXX tv news station that helps consumers deal with corporations. They air the dispute on the news as well. 
I will follow up as I have reached out several times to Allys complaint and dispute department, all I get is texts saying someone will call. 5 hours no calls yet Thank you for taking care of this in a timely manner. 

Here is all my pertinent information : XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
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. (SC)

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 2023-05-17
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-08-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is a dispute of false account # XXXX. Please explain the following inaccuracies in violation of credit reporting and collection laws : 1. The highest balance on XXXX XXXX-XX/XX/2016 statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. Last, but most important - address on the statements ( XXXX, XX/XX/XXXX ) is not my address. My address is in XX/XX/XXXX and previous address in XX/XX/XXXX.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX is currently reporting incorrect information to all three of my credit bureaus. If the information all comes from the same source why is the reporting inaccurate? the dates opened are not the same on all three bureaus, the credit limit is not all the same on all three bureaus and the high credit is also incorrect on all three bureaus. Being that it is not reporting correctly who says that the information reported is accurate. Please delete this account from all three bureaus asap.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (MD)

I have received multiple calls by this company over the last week. Upon answering, I was told the reps name and that I was on a recorded line - and she asked for me by name. I refused to answer and instead asked for the company name. The rep would not answer me, never told me what company they were with, and asked me again if I was the person shes trying to reach. When I said I refused to answer anything if she wont tell me the companys name, the rep hung up. They have since attempted calling me three more times. 
When I called the number back, it greets with Phoenix Financial as the company, which is a debt collector. I have received one bill notice via physical mail from this company in the past, about 6 months ago ; but I have no record on the origination of the debt they are requesting to collect. When they sent the letter, it didnt specify where the initial debt came from. I feel as though this is a scam tactic to collect money that I dont actually owe.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is currently reporting incorrect information to all three of my credit bureaus. If the information all comes from the same source why is the reporting inaccurate? the dates opened are not the same on all three bureaus, the credit limit is not all the same on all three bureaus and the high credit is also incorrect on all three bureaus. Being that it is not reporting correctly who says that the information reported is accurate. Please delete this account from all three bureaus asap.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX, XXXX XXXXXXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/XXXX, Lakeview Loan Servicing LLC made a " Principal Balance Adjustment '' to my mortgage account in the amount of {$8500.00}. This amount appears as a " Deferred Balance '' on my mortgage statements beginning in XX/XX/XXXX. This balance adjustment was made in error, as confirmed by two separate customer service representatives whom I spoke with over the phone on XX/XX/XXXX. At that time, I was assured that the error would be corrected within 2-3 business days. As of XX/XX/XXXX, there has been no resolution and subsequent attempts to contact Lakeview Loan Servicing - both by phone and via their customer support web form - have been ignored. 

Background : From XX/XX/XXXX thru XX/XX/XXXX, my mortgage was on forbearance due to the pandemic. When my forbearance ended on XX/XX/XXXX, I paid the entire 6 month forbearance balance ( {$14000.00} ) in full. According to the customer service representatives that I spoke to on XX/XX/XXXX, Lakeview Loan Servicing LLC mistakenly deferred principal balance from the forbearance period, despite the fact that I had just paid the balance in full. As shown in the attached Payment History, the principal balance adjustment was made the same day on which I ended my forbearance and paid the 6-month balance. 

I have attached a copy of the 12-month payment history for this loan, including mortgage statements. The unexplained/errant Principal Balance Adjustment appears in the XXXX statement as " Deferred Balance '' and appears in the Payment History on XX/XX/XXXX.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (TX)

To Whom It May Concern My wife and I moved recently in the XXXX from XXXX. We both opened TD accounts in Florida using our XXXX information. Both of us were long time clients with TD Canada Trust, and had been very happy with their services in the past. This was also desirable because we were both awarded credit using our Social Insurance Numbers ( XXXX ) instead of Social Security Numbers ( XXXX ). 
A few months later, I tried to log onto my Online Banking with TD and was denied access. I called multiple times and finally discovered that they had closed my account. They did so without notice, or reason. I had nearly XXXX in this account. We were on the phone with TD branch managers and TD customer service multiple times trying to resolve this issue. They refused to listen, and said I had no choice but to close the account and wait for the funds to be delivered in a form of a check.

I never received any notice that my account was closed or why they closed it, and still havent. After three months my funds were still no where to be found. I received no check. My account and credit cards were blocked and I had no way to pay my credit card. They had nearly {$30000.00} of mine and made no effort to return that money to me. I went on to file a complaint and shortly after the remitted and re-opened the account. While this is a move in the right direction, it is also admittance that they made an unfair and unjust call my closing my account. This also is clear proof that in nearly 3 months they made no effort to return my money to me. During these months I was unable to pay my credit card, which now has late charges and penalties, and I was also forced to use other credit for my day-to-day life, which has a penalty of interest. 
If TD had loaned me {$30000.00} for three months and I had made no payments, they would have added monetary fines to my account and they also would have charged me interest. Just reopening my account is NOT a fair solution and I demand that I be compensated for the unjust treatment of this bank. I am asking for Interest and penalties on my {$30000.00} of {$3000.00} as well as the interest and fees that have accrued on my TD visa since they closed the account in XXXX. 
Thank you.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

My loan servicer ( bank ) has not paid the second installment of my XXXX property taxes to my county. My taxes have been sold in a county Tax Sale. 

Those taxes are under a Property Identification Number ( PIN ), before the property was divided into two (? ) or more parcels. 

The XXXX property taxes are under a different, new PIN. 

The bank was given the old PIN in XXXX of XXXX by me via an email. 

The bank was given the new PIN in XXXX of XXXX by ne via an email. 

The XXXX email enclosed for the bank the county Tax Sale Redemption, Delinquent Inquiry form, as well as the amounts ( taxes, interest, penalties ) due ; as well as my attorneys name, address, telephone number and fee. The email also included my loan number. 

A check of the banks computerized records, no property taxes have ever been paid by the bank. 

No action or response from the bank has been received. 

The bank will not allow me to speak to anyone in the banks Tax Department ; I can only telephone bank customer service representatives. No one from the bank will get back to me regarding this matter. 

The bank needs to pay the property taxes, interest, and penalties to the county ; as well as pay my attorneys fees.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CO)

When I moved out from this apartment that we were renting, we deliver the keys to the staff in the front desk resident services, they checked the apartment and once that happened they did not lock the door, We took pictures of everything ( including the kitchen countertop ) and weeks later they sent an envelope in the mail saying they will give us back money from the deposit, after that the company that rents these apartments sent us another envelope by mail ( week way after the first one ), stating that there was damage in the kitchen ( we did not do this damage ) since we delivered keys weeks before of this event and took photographic evidence since we refused to pay this debt they passed this to a debt collector ( XXXX XXXX XXXX XXXX  ). I explained to them that I disputed with the apartment company this debt and had evidence that we did not owe anything, they said to me is just {$300.00} and tried to harras me about impacting my credit score for years if I did not pay them. 

I still have the photos and the evidence of the email communications with the apartment complex company when I disputed this fake debt.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I had been checking my account balance at the atm machine around me throughout the day. When I got home I checked again and it gave me a message its was unable to verify my account so I chose the option to be connected with an agent and he told me I wasnt able to check anything on my card because I had ordered a new card I told the agent that I didnt authorize that and how was that done he said online I then told him I did sign up for an account and have been trying to get access to log on but have been unsuccessful so it was not me who ordered the card and to cancel what was ordered cause I still have my card and I dont need a new one and he then told me nothing can be done about it cause the new card was sent already. And thats when the unauthorized transfers happened on my account. I filed a dispute on XX/XX/XXXX and the date keeps changing every time I call and everything thats told to me also. BofA agents has not done anything for me Ive spoke with agents, supervisors, managers, and every department there is but am still getting no where with my claim I have tried to resolve this matter and I get nothing but the run around from BofA they do nothing but put me on hold and tell me its gon na be handled and taken care of just so I can get off the phone and find out the next time I call they havent done nothing but taken notes. Please help me resolve this matter because I need my money back from BofA ... .they should have a copy of all my conversations with them recorded and they know they are doing nothing for me.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

For over two years no one including myself has been able to pull my credit report from Experian. Two years ago I submitted all the documentation that they requested to prove my identity and my address. Still no one including myself call pull my credit report from Experian. This has prevented me from obtaining credit and most importantly from refinancing my home. I have called them almost daily for the past two weeks. I have been told that I will receive calls from an escalated ticket. No one has called. I finally received an email on Sunday XX/XX/2021 basically saying that the ticket was closed, pay for an account with Experian to get further assistance. So I called today and was told that I needed an account with Experian. Then I was told that I had to call back in 72 hours to receive an assistance. I have spent more than 15 hours on the telephone trying to get Experian to fix a problem that they have created. It has to be a problem with Experian because I can pull my credit report just fine from XXXX  and XXXX. I feel as though I am being held XXXX.