davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-18
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Debt Holdings, LLC (TX)

A company called XXXX called harassing a friend to get to me. On a payday loan that is 3yrs old. Said they were send it to the court to have me arrested. I tried contacting the collection agency that has it with no luck yet. I dont know who this XXXX is.
Consumer complaint received 2016-05-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

My complaint is simple. XXXX XXXX took advantage of my impaired husband and placed a {$1600.00} order with him. When he received a receipt by e-mail, and realized the mistake, he called XXXX XXXX twice. XXXX times the calls were escalated up the management hierarchical chain, but nobody would cancel the order. The meat was in transit for 6 days, all of the dry ice melted, and the meat browning. When I received XXXX large coolers of meat that was beginning to smell, I called XXXX XXXX ( no help ) and Citi Bank in order to dispute the charge. 
We were to have 30 days to respond to XXXX XXXX ' XXXX page response ( attached ). Citi Bank instead closed the dispute and added the {$1600.00} back onto our Citi Bank Credit Card before receiving our rebuttal.. 
Upon receiving XXXX XXXX ' letter, our dispute was removed from our accounts ' message board on the Citi Website. It could not be retrieved and the Citi customer rep could only tell us to e-mail Citi asking for the disputed information. 
Citi Bank had no intention of considering our response. The 30 days stated was purely perfunctory and cosmetic. It is clear that Citi would side with the merchant under any circumstance, and dismiss the cardholder 's response. 
Politicians are correct. The system is rigged in favor of the too large to fail banks. The consumer is not given an opportunity to even respond to a dispute. For a consumer, there is no possible way of winning a dispute with a merchant. The attached documents explain this travesty by CitiBank in greater detail.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (GA)

Sf/ Lead has enter my acct as negative info due to me filing a complaint with you about their credit builder practIce. I had thier credit builder to try boost credjt scroe and when i paid into this I was asked about their secure credit card and when I cancel the credit builder I still had THE scure card THAT was link to the closed acct., they refuse to list this acct as PAID. They've listed this acct shown below as SF LEAD ACCOUNT CLOSED AT CONSUMER REQUEST CLOSED. OR PAID BY COLLATERAL / VARIABLE ADJUSTABLE RATE WOW THEY ARE REALLY MAD AT ME AND THIS IS SO DIRTY ....
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B of A continues to discriminate against XXXX XXXX based on his race, language, nation origin. We have attempted to rectify the numerous issues he has encountered with B of A to no avail. We previously submitted a complaint with regards to the failed loan modification review from XXXX 2016. B of A held on to the file for months stating the file was being reviewed before they finally admitted they were refusing to review the file. The run around for the mod review in XXXX 2016 was due to a Social security/ tax id number issue. It took them over 6 Months to finally inform us of the issue, as B of A employees failed to relay any useful information throughout those six months. We were finally made aware of the issue from B of A employee XXXX once the complaint was filed. We sent out form XXXX to B of A as requested. 
The reason for the complaint today is that 3 years ago B of A changed XXXX XXXX 's " social. '' He used XXXX to obtain the loan. XXXX is the number they currently have on file, and is what is currently being used to verify the account when the client and or our office call in. BANK OF AMERICA made the decision to make that change. One number is the social and one is a tax id. We have asked them why they made that change 3 years ago, and they have yet to inform us of that reason. Due to the change, they are REFUSING TO MOVE THE LOAN MODIFCATION FORWARD. They confirmed they have the docs, but the file sits there. Currently B of A is waiting on the IRS to verify some information. The information THEY decided to change. They do not know how long this will take, but they continue to move forward with the foreclosure. 
A full mod package was sent in XXXX and went nowhere. Once the XXXX form was sent in, we resubmitted a mod package. We called in weekly and were informed they had the docs, but are waiting on the IRS to get back to them. Bank of America is DUAL TRACKING. They have a complete modification package and yet are foreclosing due to an issue they created. At this time, we are demanding the sale date for XXXX be postponed until the issue is resolved, as well as answers be provided to the questions we have, or he will assert his legal right in district Court Naming Bank of America as a defendant.
Consumer complaint received 2016-04-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I XXXX XXXX IS VERY, VERY DISPLEASE WITH BANK OF AMERICA WHO IS ILLEGALLY WITHHOLDING UP MY ACCOUNT AT XXXX ENDING # XXXX DUE TO THE FACT XXXX XXXX STATED THAT HIS MONEY I TOOK BUT IS DUE TO MY SELF WHICH HE MADE FRAUDLENT TRANSACTION FROM MY ACCOUNT TO HIS ACCOUNT, I WANT THIS BANK TO RELEASED MY {$400.00} RELEASED BACK TO MY ACCOUNT, BANK OF AMERICA WENT INTO MY ACCOUINT FRAUDLENT AND IS WITHHOLDING, HOLDING UP MY ACCOUNT, BANK OF AMERICA XXXX XXXX XXXX, NJ XXXX XXXX.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NC)

I have received 2 emails stating a trial deposit has been successfully made to your XXXX XXXX XXXX ... I have called all the numbers listed on the websites and they are all bad phone numbers.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I called and requested items to be removed and was told they would n't remove them. The inquiries were removed and reinsterted without a notice within 5 days. Called customer service several times and they refused to transfer me to the special handling department in the US. I also can not obtain access to my transunion report because I was told by special handling that there was incorrect information and I was told to call transunion, which I did. I verified all my information, therefore nothing should be incorrect.
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

I have had XXXX check payments set up on my Checking account for the amounts {$350.00}, {$180.00} and {$560.00}. These were payments to my condo association that have been in place for over a year. 

I closed my checking account recently. The local banker in XXXX, CA who closed my account and I ensured that all the check payments were in fact funded and had already debited to my account. The local banker closed the accounts and returned my balances to me. 

I was expecting these payments to reach the recipient by XX/XX/2016 after which a late fee could be assessed. Without any forewarning today XX/XX/2016 Chase stopped the payments of XXXX checks on frivolous grounds that the payee address is incorrect. The address on these payee accounts has n't changed in over a year. 

Chase has taken illegal possession of my funds. They are now holding on my funds even though my checking account is closed.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Bought a Bowflex from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all three credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from XXXX to an XXXX. When applying for a loan it was one of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale account.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been requesting verification of the following account that TransUnion continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I have a XXXX account for a XXXX - XXXX. We received an award from the Department of Justice and I submitted an XXXX form to have funds electronically deposited. The DOJ tried to confirm the account with Bank of American and got no response over a 2-month period. They called me with this problem and I went into the Bank of America branch at XXXX and XXXX in XXXX OK to ask them if they would contact DOJ and confirm my account. I met with branch officer XXXX XXXX. She told me that there was nothing she could do and it would have to go through a fax line. She had no other information and did not offer to assist. I asked her for a phone number to a department within BOA that could help. She offered no help. I then attempted to contact DOJ while in her office to see if there was a way to expedite a resolution. She got irate, told me that I was " wasting her time '' and " to get out of her office ''. She was screaming to get out. My colleague was with me and commented that she did n't need to yell and she then said she was calling the police. When asked what happened to customer service, she yelled " Shut up! '' I will be closing my account with BOA. I would hope no other person trying to get a problem resolved has to interact with this very rude individual who should absolutely not be working with the public. This incident was at the least an unprovoked verbal assault.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

XXXX residents -husband & wife ( Borrowers ) existing CitiMortgage clients. CitiMortgage ( Lender ) maintains current mortgage, originating XX/XX/XXXX. 
XX/XX/XXXX, borrowers initiate refinance effort aimed at paying off existing lender loan. Initiation with lender rep complainant will refer to her as " XXXX '' - XX/XX/XXXX : Lender : " unable to originate a new loan '' due to XXXX Assessment on property. Twelve weeks after initiation. Why twelve weeks?! 
XX/XX/XXXX - XXXX County Tax Assessors Office forwards borrower 's updated/most current Property Tax Information to CitiMortgage Tax Department. Tax statement reflects the obvious and significant increase to borrower 's property tax bill as a result of an " XXXX '' ( XXXX Assessment ) loan. 
Elevated tax bill, increases borrower 's monthly payment to lender from XXXX to {$3100.00} - These increases additionally reflected in " CitiMortgage Escrow Account Disclosure Statement '' funds of which disbursed on XX/XX/XXXX and reflected in the " Annual Escrow Analysis '' produced/forwarded to borrowers by lender XX/XX/XXXX. 
XX/XX/XXXX, - Borrowers email, PdF full color copy of their XXXX County Tax Assessor 's Statement to XXXX, text includes directing XXXX 's attention directly to line item where the XXXX Loan ( XXXX Assessment ) is listed. Increase to the tax bill-again-clearly reflected and assigned directly to property tax bill. 
XX/XX/XXXX Borrower apprised by XXXX Program Subordination Mgr, that not only has lender previously entered into refinancing with XXXX Loans appropriately and satisfactorily subordinated to second position, lender loans have been funded - fully recorded - and are part of the public record. 
Is there some type of discriminatory or other bias against these borrowers present in this failed transaction? 
It can not be articulated strongly enough, that XXXX provided not XXXX, but XXXX separate, fully binding and compliant subordination 's to Citi upon request.
Consumer complaint received 2017-06-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

XXXX ,  XXXX  has been removed off my  XXXX  and  XXXX  credit report but it is still on Equifax and I would like for them to remove it off my credit report
Consumer complaint received 2016-04-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX OWES ME {$500.00} DOLLARS, SO MADE A STATEMENT I TOOK HIS MONEY TO BANK OF AMERICA SOTHEY ARE HOLDING UP MY ACCOUNT OF {$400.00} DOLLARS AT MY BANK AT XXXX BANK ACCOUNT # ENDING IN XXXX I WANT MY MONEY RELEASED BACK INTO MY ACCOUNT, BECAUSE I HAVE PROOF THAT XXXX XXXX MADE FRAUDLENT TRANACTION FROM ACCOUNT TO HIS ACCOUNT, SO THE MONEY HE CLAIMS I XXXX XXXX BELONGS TO ME BECAUSE HE STOLE MONEY FROM MY ACCOUNT I'AM ASKING THAT MY {$400.00} DOLLARS BE RELEASE IMMEDIMATE PLEASE, XXXX XXXX IS A SCAM ARTIST, A RIPP OFF, AND THIS BANK OF AMERICA BELIEVE HIM BANK OF AMERICA IS A RIPP OFF TOO, I XXXX XXXX WANT MY MONEY PUT BACK INTO MY ACCOUNT WHICH THEY ARE HOLDING, BANK OF AMERICA IS A RIPP OFF, DISHONEST BANK, NOT GETTING THE ACTUAL FACTS, FRAUDLENT TOOK MY MONEY OUT OF MY ACCOUNT ... BANK OF AMERICA, RIPP OFF SCAM MY MONEY OUT OF MY ACCOUNT, RELEASE MY MONEY.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (MI)

Since Synchronicity bank replace XXXX XX/XX/2015 I have had nothing but problems in trying to pay my bill. The phone tree made it near impossible to reach automated payment service. The web site gave incomplete billing information, showing only payment and previous balance. That was then changed so that a customer now only gets the balance for any certain month. To review statements, additional registration is required. All of this is frustrating making it more difficult to pay the monthly charges. 

They punished me for making a large payments to reduce my balance. A payment was made on their website XXXX XXXX of this year a Wednesday, and though they said that it was using the wrong bank account number I got no error in processing it. I was never told that it was it was the wrong account number until after the due date XXXX XXXX, at which time I received harassing phone calls during the middle of the day when I was at work. And they were able to charge me a late fee. 

On XXXX XXXX, a Sunday they made a call listed as unknown, telling me to call the same number that they always call from, even though their call center was closed. At times when answering calls in the past from this number, the caller hangs up.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc. (CA)

To whom it may concern : My name is XXXX XXXX and in 2013 I had issues with an apartment building I was living in and it left me with debt on my credit report. I recently paid off the debt and it was removed from my credit report. XXXX XXXX was the original creditors and they sold my debt to XXXX different collection agencies. I have disputed the errors with credit bureaus and they have not had any success with removing the debt. The collection agency is called the National Credit Systems.
Consumer complaint received 2017-01-27
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I opened an account with Pentagon FCU in XX/XX/2015. I also had an overdraft protection account of {$500.00}. Sometime the following year I cam behind in payments on my overdraft protection account loan ending XXXX. At that time Pentagon FCU denied me access to my checking account in which I had direct deposit. The froze my debit card in which I would have no access to my money because there are no branches in the state of XXXX, on top of that they required that before I be given any access to my direct deposit that I bring my account current. Even though I told them that I was unable to pay at the time and was willing to work other arrangements. As a result I was unable to pay my rent or car payment and my car was repossessed. Please look into this as I feel my rights were violated. They did give me the option of having my money XXXX XXXX to me but that was only after i brought my account current.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 
Enclosed are copies of my credit report highlighting the unauthorized inquiries for your reference. Please notify me of the outcome of your investigation and any actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-08-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

I am a XXXX veteran, covered by XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) and XXXX XXXX and XXXX, and XXXX ( c ). 

Original creditor - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX - was paid by the XXXX {$170.00} XXXX US Government Check # XXXX dated XXXX XXXX, XXXX for emergency medical services rendered to me on XXXX XXXX, XXXX. The original creditor billed the XXXX {$1300.00}. The original creditor was apparently unhappy with the amount paid as mandated by federal law using the XXXX XXXX XXXX XXXX pricer, and then perpetrated on ongoing fraudulent scheme, that continues to this day, of either selling, assigning, or otherwise engaging prohibited services of several 3rd party debt collectors/debt buyers. 

Under current law established by XXXX of the United States, as published in the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) : " Payments made in accordance with this section shall constitute PAYMENT IN FULL. Accordingly, the provider or agent for the provider may not impose ANY ADDITIONAL CHARGE for any services for which payment is made by the XXXX '' You may not bill the veteran or any third party for any balance not paid by the XXXX BALANCE BILLING IS PROHIBITED. 

Additionally, XXXX XXXX XXXX states " Payment by the VA on behalf of a veteran ... extinguish all liability on the part of the veteran for that emergency treatment
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I am writing to formally express my serious concern regarding the disputed accounts on my credit report. I have raised the issue of inaccuracies in these accounts multiple times and have consistently requested that they be thoroughly investigated. Despite my continued efforts, I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts on my credit report is causing severe damage to my credit profile, negatively impacting my financial health, and significantly affecting my ability to lead a normal life. These inaccuracies have resulted in undue hardship, and I am left with no choice but to once again request your assistance in rectifying this matter as a priority. 

I kindly request that you conduct a detailed investigation into each of the disputed accounts listed on my credit report and take the necessary steps to update and correct the information without further delay. Restoring the accuracy and integrity of my credit report is critical for my financial well-being, and I hope to resolve this issue promptly with your support. 

I sincerely urge you to give this matter your immediate attention and take swift corrective action. Your cooperation in resolving this issue is greatly appreciated, and I look forward to your prompt response. 

Thank you for your understanding and assistance.