davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KEYCORP (IN)

I cant afford to pay back all of the debt at once. They call me EVERY SINGLE DAY! I tried to deposit cash into their atm to pay back {$100.00} & it said it would not accept cash at this time. I have tried twice now. Which I am sure they have record and surveillance of. They will not stop contacting me its basically harassment at this point I have screenshots of missed calls and also voicemails.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A. ()

Pleased see attached documentation from original and now closed complaint XXXX. Citicard sold the debt to XXXX XXXX XXXX on XX/XX/2019 without notifying XXXX that the debt was the subject of a CFPB complaint. XXXX has sued me through their lawyer XXXX XXXX XXXX for {$2600.00}. XXXX has served me at my mother 's NJ address, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I live in XXXX, XXXX and have a XXXX residence card that proves this residency. In addition, XXXX XXXX certified in docket number XXXX of XXXX County Court, Special Civil Part that the matter in controversy was not the subject of any legal action. This certification was and is false. 
Citicard was negligent or worse in selling a debt to XXXX that was the subject of a CFPB complaint with no disclosure to the buyer. XXXX and XXXX XXXX XXXX have falsely certified to the XXXX County Court that the matter in controversy was not the subject of legal action and sued without proper service, in violation of New Jersey Civil Procedure 4:4.4 ( see attached extract ). I have duly notified Faloni Law and the XXXX County Court by certified mail and by uploading documents to the court 's XXXX system with a Notice of Motion to Vacate, previous CFPB complaint documents, copies of my XXXX residence card and marriage certificate proving my XXXX residence.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HOME BANCSHARES, INC. (TX)

XX/XX/XXXX my account was hacked. I called them right away and told them 2 transactions at XXXX XXXX XXXX XXXX XXXX one for {$890.00} and {$120.00} were not made my me. Since I was at work in XXXX, Tx. They turned the card off. Since it was a Saturday they told me to go in on Monday to file the dispute. They also told me there was another purchase pending for XXXX  for {$360.00} that I couldnt see on my mobile app. Monday morning I go to XXXX XXXXXXXX XXXX tell them what happened and to stop transactions in or out of the account. they looked at the account and told me that the XXXX fell off and that the 2 charges for XXXX XXXX were going to hard post at XXXXt and come back tomorrow. Went on that Tuesday and filed the dispute. Was told that someone would call me in a couple of days. No one called so I went back on Friday. They said it would take up to 2 weeks. Waited until XX/XX/XXXX went to a different branch she looked it up and said my account was flagged as critical bc they did not have me sign the dispute, but no one contacted me to come sign it. She told me she was glad I came in bc the dispute was going to be cancelled the very next day. She printed off another one and had me back date it to the original date it was disputed said they had up to 90 days to investigate. But normally only too 2 weeks. Checked on my account this morning and there were 29 NSFs on my account. Called, waited on hold for 35 minutes explained what happed she asked where I opened the account and they would get a hold of the branch manager. She said he wasnt available. Went to that location on my way to work asked to speak to the branch manger and to close my 3 accounts. Was able to close 2 but the one with the dispute was negative and couldnt close it. I told him the account wouldnt be negative if they would of given my funds back that I had disputed and stopped the transactions from when I asked them in the first place. To add, when they merged with centennial bank in XXXX I wasnt able to see my second business account for 5 weeks, log in or do any achs. So regardless, I want my funds returned to me, those 29 nsfs dropped from account and close my that last remaining account.
Consumer complaint received 2020-09-10
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. (AL)

THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE XXXX OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I received inquiries on my credit reporting file that I did not authorize. I have disputed them several times. The only company that has corrected the issue is XXXX. XXXX  and Experian have not corrected the issue after 60 days.I HAVE DISPUTED THESE UNAUTHORIZED INQUIRIES WITH EXPERIAN, XXXX  AND XXXX  ON SEVERAL OCCASIONS. I EVEN BOUGHT MEMBERSHIPS WITH THEIR CREDIT REPORTING AGENCIES AS A GOODWILL GESTURE, BUT STILL NO HELP. 

1. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX 2. XX/XX/XXXX XXXX  XXXX XXXX - XXXX  XXXX   XXXX  -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX  XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 5. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX 6. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX / XXXX / {$82.00} XXXX / XXXX / {$1300.00} XXXX XXXX XXXX  / XXXX / {$1000.00} XXXX XXXX XXXX / XXXX / {$1400.00} XXXX / XXXX / {$330.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2022-07-22
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. (CA)

I am disappointed at the Credit Bureaus for doing nothing to remove the previously disputed Items completely from my Credit Report. I was a victim of Identity Theft and these items were incurred due to identity theft since I never authorized nor signed any paper which binds me with these items. How many letters do I still have to send for the Credit Bureaus to take action and have these items removed from my Credit report? I have read that th Credit Bureaus are required to remove any item that resulted due to identity theft within 4 business days. The last letter I sent to the Credit Bureaus was XX/XX/2022, a month had passed by already and upon Checking my updated Credit Report, I never seen any changes at all! I am persuaded to take legal action against the Credit Bureaus if they fail to remove the disputed fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX, XXXX, LA XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.0XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (NC)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (FL)

I have had several accounts opened in my name. The account consist of bank accounts and credit cards that I did not apply for. I need assistance with these issues. 
Citibank Debit card XXXX XXXX card
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank (GA)

On XX/XX/2022 a {$300.00} Deposit was sent online to the XXXX XXXX, XXXX  located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX | XXXX XXXX XXXX XXXX | XXXX, We decided to go to another location, due to the Company stating if he had a Guarantor or Co-Signer he would be over qualified so we decided to cancel the application. Which XXXX the Company that referred us to them stated they would have to return the deposit back to us since the deal was cancelled. Approximately 3 to 4 weeks went by and I followed up with XXXX the Apartment Complex regarding our refund. They stated it had been mailed and cashed. I informed them that we hadn't received anything and confirmed my address, they stated that's where it was mailed, and they sent me a copy of the signed check! Of course it wasn't my signature. At this time, we still haven't received the refund from Synovous Bank and the Apartment Complex is giving us misinformation and nothing definite regarding the deposit refund. Also, whomever Forged my Signature and Cashed the check needs to be held accountable and funds paid with interest. I have spoken with the Manager XXXX XXXX, again nothing has been taken care of at this time.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (FL)

Ive been trying to communicate with cit cards for several months now regarding an existing card balance. A low introductory rate expired in XXXX and because of financial stress, I was unable to pay off that card as originally intended. I explained to citi that i would like to extend the low apr or switch to a new card with low apr. Applied for a simplicity card and was told I could transfer to that card with 0 apr intro offer. Card was approved XX/XX/XXXX but never arrived. Called and asked for it to be resent. Told I would receive it within 10 days and that I could call back in 48 hours to do the balance transfer. Decided to wait for the card due to painful process of calling, going through automated confirmation, being transfered from department to department as was my general experience. Never received the card and called again 2 weeks ago. Customer service told me it was cancelled and i needed to reapply. Transferred me to applications dept. Applications told me no, card not cancelled, assured me they would work it out, just needed to transfer me again to another department! Got cut off in the process of being transferred, decided to keep waiting. Received an email statement for a XXXX  XXXX   ending in XXXX  on XX/XX/XXXX. Called again today to ask what is going on ... got a statement but no card and no information in my citi online account about this card. Told that the card was still pending in the system and that no, I could not do a balance transfer on this particular card and would need to apply for YET ANOTHER card depending on which one the marketing department decided was eligible this month! Offered to transfer me to marketing department but I declined because I dont want to make another credit card application for credit score reasons. Through these months, Ive also use the cit online app to chat with customer service multiple times, sometimes being dropped off half way through a conversation, and usually being referred to make a call. Ive applied for all the covid assistance online and got a deferral of minimum payments but am being totally jerked around regard trying to deal with my interest obligations for months now.
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: Convergent Resources, Inc. (FL)

I have a loan with XXXX XXXX XXXX XXXX XXXX, and CONVERGENT OUTSOURCING , INC . I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and CONVERGENT OUTSOURCING, INC with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-24
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. (MD)

Experian is purposely not increasing consumers credit scores in order to entice them to sign up for Experian Boost and other products that they offer. My XXXX and XXXX are 100 points higher than Experian and they have the same reported information. I can understand a little point difference but XXXX to XXXX is too big of a difference. Ive paid down my credit card balance and paid bills on time even during the pandemic.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Yes back in XX/XX/2019. They closed my account. I lost my card. They sent out replacement. But in credit report. Says account closed or purchased by other lender. They must contact all 3credit bureaus. Have closed account deleted. I'm on XXXX  going thru hardship.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

The initial issue began when I was charged a {$29.00} LATE fee for making payment on the due day in my time zone in California. The second issue with creditor is that I was charged on XXXX occasions {$29.00} LATE fees and interest on an amount less than minimum the normal minimum due {$3.00}. I did not make a minimum payment of {$35.00} because I only had a balance owed of {$3.00}. However, creditor charged me {$29.00} LATE fees and closed my account while continuing to charge me fees and interest. The amount currently showing owed on bill is not from products actually purchased but from unnecessary excess predatory fees on a left over balance of {$3.00}. I was charged {$29.00} LATE fee on the balance of {$3.00} creating a carry over balance of {$34.00} which creditor then continued to charge me LATE fees on a LATE fee amount. Im not being billed on actual purchases and account is held in suspended status as creditor continues to charge excess predatory fees on their own late charge amount. Basically I owe {$0.00} for purchases but creditor is charging me {$29.00} LATE fee on the previous {$29.00} LATE fee plus interest. Past due amounts are creditors duplicate LATE fees. Creditor is really charging late fees plus interest on the previous late fee they assessed. This is predatory and excess. 
My household and family have been impacted by COVID 19 and the excessive and continuous billing is negatively and erroneously impacting my credit score creating a hardship for me and my family.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I sent the letter to my service mortgage company below addressing my complaint about my credit reporting and misinformation of their loss mitigation department when I first reported my COVID related unemployment and requested a mortgage forebearance on XX/XX/XXXX and XX/XX/XXXX and was told for almost two months I needed to submit more information and rewrite my hardship letter. Fast Forward XX/XX/XXXX after I called almost daily and even ill with XXXX  and unemployed had to go to XXXX XXXX and make copies and scan applications, bank statements and required 300 page tax forms. The only representative knowledgeable enough to tell me that I did not need to send in any paperwork because my request is XXXX protected, told me they will submit it correctly and that my forbearance will start XX/XX/XXXX and they dont have a way to back date even though I reported my request due assistance to begin with in XX/XX/XXXX was XXXX related. Please see my attach Loss Mitigation Application dictating that my unemployment is due to XXXX related and other illnesses which day completely ignored. All I wanted was for them to report my account current that I am in forbearance and if at all possible allow the forbearance to start XXXX since I reported it on XX/XX/XXXX and XX/XX/XXXX and every day in XXXX, but no one was able to help me. I am still unemployed and still suffering from XXXX side effects. Please read the letter below. This is the exact letter I sent to my mortgage servicer which they said they cant do anything and I still have to pay XXXX and XXXX. Even though I told him that I dont have a job and dont qualify for unemployment I am struggling to even put food on the table so please help and escalating this complaint. 

See letter I sent on XX/XX/XXXX to my mortgage services below : To whom it may concern Please look at the very bottom email stamped in dated XX/XX/2022 requesting on the hardship letter a Covid forbearance related resulting in unemployment. I have been misinformed by the Loss Mitigation department the very first time I sent in my request and it shouldve been coded as Covid related forbearance and that the forbearance shouldve started in XXXX. Now I am moving into 90 days in arrears when it couldve been prevented if the right questions were asked and the right application were put in place for XXXX related unemployment ; these were also uploaded to my portal please resubmit the credit reporting to reflect forbearance starting in XXXX and remove the 30 to 60 days late. I would appreciate a phone call back, and I would formally acknowledge the complaint I fell this morning regarding miss information from the initial agent that took my call when I applied for help. Had it not been for the young man who took my call today I would still be waiting and will be in deep trouble. Even though my request is XXXX related. 

I will be waiting for a call XXXX  Thank you, XXXX XXXX
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Dear officers, I am sending this letter to inform you with that my previous lender HSBC did not complete their true investigation regarding unjustified extra charges they made into my account. HSBC charged me the extra amount of {$3400.00} on XX/XX/XXXX ( attach-1, HSBC bank payoffs items, recoverable balances ). 

HSBC stated that this amount was outstanding foreclosure fees incurred in XXXX. I communicated with HSBC several times and explained that this charge had already been capitalized and added to my new modified loan amount as indicated on XXXX loan modification ( attach 2 ). 

Per agreed executed Loan Modifications Agreement date XX/XX/XXXX between HSBC and myself, it is implied all late interests, and other amounts ( late charges, unpaid balances, interest penalties, foreclosure fees ) up to the agreement date were capitalized ( summed ) and new loan terms started based on the total sum of {$620000.00}. 

This above said amount ( {$3700.00} ), had not been disclosed in the Loan Modification Agreement as additional charges. Based on consumer protection act lenders must disclose all charges including late fees, extra payments, penalties and etc. directly and explicitly to consumers in advance. 
At this time, I kindly request both CFPB and HSBC look into this problem. I demand HSBC to disclose and prove that the said amount {$3700.00} was mentioned ( written ) within the agreed Loan Modification Agreement. 

I am unfairly double charged. My money should be refunded immediately. 

Thank you very much for your kind and prompt attention.