davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Coastal Financial Solutions, LLC (TN)

This is dictation from my phone. This man immediately called and asked for my supervisor, and after I denied him he became abusive in language. I asked the man to prove to me that I owe this debt with a letter in the mail. He said ok then started threatening me with legal action. ... ... .Hi  XXXX   XXXX  this is  XXXX  . _______ gav e him up with you here maybe a few minutes ago in regards to case number  XXXX  again  XXXX   I contacted yo u on behalf  of CFS in  regards to this matter um before you decided to disconne ct _ call um I was tryi ng to make you aware of it to let you know that it does require your immediate attention I 'm at this time ________ you have _ within  48  hours to contact __ office or you can ha ve a 10 _____ the attorney that you stated that you have you can have him contact ____ office on your behalf before we ___ forced to make a final decision which may result in a civil suit bein g filed under your name and Social Security number  ____ ___ ______   __   XXXX  I 'm at this time you have within 24 hours to comply I can be reached at  XXXX   one _______  reference  XXXX  so we will be sending you over ___ correspondence that you need __ to your payroll  ___ resources  department ___ it 's going to come from my administrative assistant
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

I have had   a Sears credit card through Citibank during two different time periods. Several years ago I had an issue where I paid the account in full, only to receive a bill for something like {$3.00} in interest a month later, and then fees on top of that when I did n't notice the bill because I thought the account was paid in full. I canceled the card after getting the late fee removed and paying the {$3.00}.
Recently I opened a Sears card again, paid the account in full over the phone and canceled the card, only to receive a bill for {$6.00} in interest a month later, again a bill I did not expect as had canceled the card. A month later they tacked on a whopping service fee and sent it to collections.
This is an unfair billing practice. In this day and age, if a customer calls and asks for the amount due so they can pay the card off in full and close the account, the amount told to the customer should be the final amount due, and there should be no yet undisclosed additional interest added to the bill in the next month, which then trips up the customer and allows Citibank to tack on enormous service fees and send the account to collections to effectively earn an exorbitant additional profit.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received several calls from Bank of America at XXXX XXXX, I was told that someone in Texas was trying to open an account with my name and social security number. ( I do not have a Bank of America account, I am not in Texas and I am not trying to open an account ). Using their transaction # XXXX they then told me they could put a block on the transaction ( using transaction # XXXX ). I was then told by XXXX after checking my credit card accounts that several of my credit cards have red marks on them and if I don't let them fix/manage them, I would have to pay the total balances in full in 30 days. They said someone would come to my house to collect. They said they would send me this information in the mail, but didn't verify my address. I spoke with XXXX/manager at Bank of America ( XXXX branch ) and he advised me that although they can call when there is something going on with a Bank of America account , they do not have any information on any other credit card accounts. Which leads me to think that this is some sort of scam.
Consumer complaint received 2017-04-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I am writing to your agency in hopes you can help me with some charges on my Bank of america card previously disputed with you guys. I would like to know the status of the disputes. I am   XXXX   and I do not owe a computer, no electricity or internet and I am not com puter literate. Communication is kind of difficult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for online services, meanwhile I told them I didnt own a computer, they said it wouldnt be a problem they would do all the work for me, and they did disappeared after, I tried to contact them many times to see what was going on, and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disputed with  Bank of America were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please.
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (IL)

My payment wa s ~ {$1100.00} a month from several loans totaling over {$100000.00} ( at the same bank ). I only  earned about {$20000.00} annually and could n't afford to make a payment with rent, food, and living expenses. My cosigner, my grandmother, could n't afford to help because she only earned social security that I was told only amounted to ~ {$800.00} a month.     After the bank soaked up my savings to pay these installments on time, I called them to negotiate a better loan payment that I could handle. I applied to hardship and we were both denied because " we did not make enough money ''. They instead insisted that I find a new cosigner to refinance my loans and that would lower the payment.     Sometime in XX/XX/XXXX  I got the loans refinanced with my parents as the new cosigners. This made the payment lower, but only to ~ {$900.00} a month. I moved back home to not pay rent and save money, but it rose over the course of time and is currently a t ~ {$94 0.00} a month. I still make only {$22000.00} annually and because my parents are also supporting my brother 's education and their own financial monthly payments, th e ~ {$940.00}  a month payment is too much for them to help out with.     So last month  (   XX/XX/XXXX   ) we  tried to work with hardship at this bank again, and today we were denied, but not because " we do n't make enough money '', but because " we make too much money ''. They told us they understand students ca n't make these monthly payments on their loans, so they are more interested in the financial income of the cosigners.     However, they do n't consider the monthly expenses of the cosigners or the borrowers. They look strictly at the income. My complaint is against this bank because they knew that my parents became cosigners on a loan that was n't theirs, without looking at their financial expenses, and assuming they could pay based off their income alone. They have n't been fair to us or our financial situation.
Consumer complaint received 2017-04-26
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. (TX)

Called  XX/XX/XXXX  for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :  XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX
Consumer complaint received 2017-04-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

I was notified by Citibank that my HELOC was going to adjust in the first part of  XXXX  in the last part of  XXXX . My interest only payment was going to almost triple. I started the process to see what my options were right away. Since the first part of  XXXX   XXXX  until now  XXXX   XXXX  I have been going back and forth with  Citibank  sending them information. I have asked for an escalation  at one point where basically they had changed my contact person, but nothing changed. I would send the informatio n to them that they requested, only to be sent back another notice asking for much of the same thing. I was very meticulous to do everything they asked for in regards to providing the information to them only to get the same response back that they needed the same informa tion that I just sent. I would have to say with in the last six months I must have sent them information over 20 times. I think this is unnecessary and down right abusive and criminal.
Consumer complaint received 2017-04-26
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. (PA)

Back in  XXXX  o f this year I informed the credit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On   XXXX     I received a letter from the original creditor   XXXX   XXXX   stating that the following accounts  XXXX  and  XXXX  were both apart of fraudulent accounts and that they would be removed from my accounts. I was over joyed with excitement when I seen the accounts removed from my  credit score. But Portfolio Recovery  XXXX .  Is n't budging they I assume bought the debt from   XXXX   XXXX  . I sumbited the paper to the credit bureau to have all the accounts regarding those debts deleted.  One account    XXXX  is {$680.00} and  XXXX  {$700.00} as it shows on my credit report. I feel as if the original creditor found it fraudulent then I should n't be responsible for the others.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I  have an account through synchrony bank for a credit card for Mens Warehouse. The issue is with synchrony. They have intentionally made it nearly impossible to pay on their account. The website to make payments on is a random series of letters and numbers, which no one could ever guess. Of course, no one at the company knows the name of the website either ( it is NOT synchrony.com or menswarehouse.com where you pay ). After weeks of fighting with them to figure out where to pay, you then can not access your account without the account number. Want to know what it is? They will not tell you. They claim their rules prevent it. They will tell you to log into your account and check your statement. Of course, you ca n't log in without your account number to view the statement with your account number, so good luck with that. They offer to send e-bills, but of course they do n't include the full account number so you still ca n't log in. After not being able to pay for 3 months, and having 3 late fees added to my account and interest, someone from their collections called to ask why I was not paying. I told them, and they told me my account number. I mean, seriously? They could n't have told me one of the other dozen times I called them? But wait, that still did n't work. The account number is 16 digits, but the system only accepts 11 digit numbers. Of course, everyone at synchrony claimed to not be able to help with that either. I finally called their fraud department ( I was just calling everyone at this point because I was desperate to get a delinquent account off my credit report ), and they told me they had heard of this before, and to try the last 11 digits of the 16 digit account number. I was finally able to access my account and make a payment. Now, I have three late fees on my account, and they agreed to take off one ( how nice of them after giving me the run around for three months to agree to only rip me off twice instead of three times ). This is obviously being done on purpose. No one is this dumb.  They could tell you the website to pay on but do n't. They could tell you your account number, but do n't. They could tell you which  11  digits of that number the website is looking for, but they do n't. They could take your payment by phone, but want to charge you an extra fee for that. They have intentionally made it impossible to pay in order to rack up late fees and interest charges. Please stop these scam artists.
Consumer complaint received 2024-10-09
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/year> a fraud claim was made for a charge on my credit card of {$29.00}. Bank of America did not remove the disputed amount from my card. I paid my statement in full. The dispute remained unresolved in the Claim Inbox for over 120 days. Between XXXX and XXXX, I made phone calls to the Bank of America Fraud number at XXXX. They said it was still being investigated. 
On XX/XX/year> I drafted and mailed a letter to : Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX I addressed my frustration and disappointment with the unresolved fraud charge dispute on my account, which had now persisted for over 120 days. I asked for them to please provide me with a written confirmation of the actions taken to address this complaint within 15 days of receiving this letter. Despite my attempts to address and resolve this matter with Bank of America, I have not received any correspondence or a resolution to the charge that was made on my card on XX/XX/XXXX. The only XXXX Bank of America did was issue me a new credit card, AND they have removed the Fraud Claim from the Claim Inbox on my account with no resolution. They just deleted it, but I have a downloaded copy of the claim in pdf format.
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: United Debt Holdings, LLC (FL)

I was contacted by a " currier '' who did not have a correct address and only verified my first name. He gave me a # and a reference # to thus company. No name given. I called. No recording disclosure or mini miranda. No company name or name of person. She only verified my first name..never once asked my last name. Had the last  4 of  my  SSN wr ong. And when I said it was wrong continued disclosing. Stated to me I had until   XXXX   XXXX   today to pay {$580.00} or they would charge me with intent to defraud a financial institution. And it was in my best interest to be at my residence for the currier. If not she wished me best of luck. I already have a panic disorder and health issues I am out of work. This conversation was threatening to me and I do n't know where to go with this. I do owe that company they called about but I contacted them yesterday. They already sol d it to United Debt Holdings . .. .which is who I talked to yesterday. I have both #  s a nd the reference #. They probably have me listed as   XXXX   XXXX  . My last name has now changed. I will not provide my SS # because they did n't have the la st 4 right t o begin with.
Consumer complaint received 2017-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I attempted to make a Payment to  XXXX   XXXX , an old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit fr om 3rd party.      I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was return ed. ( See letter from c ompany and attached returned check. ) They (  XXXX   XXXX   ) Informed me they n o longer service my account. Therefore they are no longer actively or validly accessing my credit report to update it.     This means, They do n't have me as  a credit collections client and therefore it should be removed as any attempt previously made to Validate was null and void, as it would of returned the same results : according to FCRA law [ 623 ( a )  ( b ) ].   Also..   That it seems the credit reporting agency didnt fully engage the furnisher of the tradeline at the time of the my first complaint, which seems not only erroneous but misleading, possibly an aggravated violation of the FCRA law.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following inquiries are reporting to my Transunion credit report ... ..I 've attempted many times to explain the situation that these aren't my inquiries nor are they attached to any active accounts of mine ... .However Transunion insist that I mail in meaningless letters that they never respond to disputing these inaccuracies. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

From  XXXX  We have a working relationship now. However, I was asked to file this report.    Wells Fargo  kept charging me {$30.00} a month for each business account when it was supposed to be free. The accounts were opened in  XXXX   XXXX , NV where I had my  XXXX    XXXX   XXXX   XXXX  . I live in California. No matter where I called to straighten it out and get credited, it did not fix. First of all they claim they can only credit back 3 months. I first noticed it after {$800.00} was dwindled down to nothing.     I dro ve t  XXXX  hours round trip to  XXXX  to get this problem fixed, same result. When I asked for help in  XXXX , California on  XXXX   XXXX , they said we have to close the account and make a new account to fix the problem. Of course each checking account comes with a separate savings account. So they changed it to {$20.00} a month fee but told me it was free. Later in  XXXX   XXXX  I asked for help. I went to the   XXXX   XXXX   XXXX  and  XXXX  locations. The same thing happened reopen another account and another and another. I dont even know how many times this went on. For sure more tha n 4 ac count changes for  my two business checking and two required  business saving accounts in just the city of  XXXX   XXXX . Now I have a free account only I have {$150.00} Tranfer into savings and the next day transferred back {$150.00} to checking and I have to have bill pay active or they will have a fee. Another option is to have a huge daily average in the account at all times. I am not doing that. Last week I asked a couple questions and they gave me wrong information.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 XXXX XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 
I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX