davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC. (IN)

Recently I acquired a Kay Credit Card. I set up auto pay. It all went smoothly except what would have been the last payment, on their system, archaic, did not process what should have been my last payment. I had set up the payment system to pay off in a certain period, so the payment was more the minimum payment. My payment was set for {$150.00}. The last payment came to {$88.00}, so my set auto payment of {$150.00} was in excess. So instead of the system being smart enough to apply an if-then situation as such as IF greater than {$150.00} is owed, only pay {$150.00}, it handled well. But in this case, it should have been IF what is owed is less than the scheduled payment, then only apply what is owed, in this case {$88.00}. So what happens is I think I 'm all set I have auto payments set up so no way am I going to miss a payment. However much to my dismay, no payment is taken even though I have authorized and requested for a payment to be taken, thus making my payment late. The call center does not identify as Kay Jewelers, it actually sounds like a spam call. it states " Your jeweler is calling you '', I 'm thinking I did n't contact a jeweler this is a spam call. It should say Kay Jewelers is calling you because of a credit card issue. It needs to be clear. If I had not thought to look up the phone number after the second call, my account would have went in to default, when it should have been paid off in full. To me this is very dishonest practice, it enables this company to be able to charge me a late fee and increase my interest rate. If they report this late payment to my credit, then I get a ding on my credit report, all because they have a system set up that is incapable of processing a last payment amount that is less than an auto payment. To me this is an illegal process that is trying to cause me to incur more fees. I set up my auto pay to run until the account was paid off and it should have done that.
Consumer complaint received 2023-04-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDEN 1 CREDIT UNION, THE (CA)

This is complaint is because Golden1 Credit Union has violated several of my rights and they refuse to correct them and or acknowledge them all together. Under the Fair Debt Collector Practices Act ( FDCPA ) 15 U.S.C 1692 ( G ) Section 809 ( B ) I disputed a claim and requested a validation of debt For Account # XXXX in the amount of {$70000.00}. They have failed to do so properly even with ample time given. Golden1 Credit Union Had an obligation to respond and properly validate the alleged debt or they admit by silence and agree that I do not owe this debt. Golden1 Credit union has also violated my cease-and-desist letter by continuing to collect a debt in which I believe I do not owe and which they agree by not rebutting any statement I sent. Golden1 Credit Union is also reporting to credit reporting agencies that I owe this debt which is hindering me from getting a loan and getting approved for credit from lenders by claiming fraudulently that I owe such debt. Golden1 Credit Union and I entered into contract on or about the XXXX of XX/XX/2022 for a vehicle. Upon me learning of the fraud inside of the contract I sent them a letter of recission under 15 U.S.C 1635 ( a ) notifying them in accordance with the bureau. Also I informed Golden1 Credit Union that under 15 U.S.C 1605 Except as otherwise provided in this section, the amount of the Finance Charge in connection with any consumer transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person whom credit is extended. Ive pointed out to Golden1 Credit Union being the indentured trustee where that was violated in said contract and contacting me for any reason about a debt or attempting to collect a debt according to 15 U.S.C 1692 ( b ) ( 2 ) which states that you may not state that I a consumer owes any Debt. So not only is Golden1 Credit Union not validating a debt in question but they are violating my cease and desist order and reporting to credit reporting agencies about this debt and I have NEVER given them permission to do so. They have an obligation to produce
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2015-09-06
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MA)

MACYS has twice charged me outrageous " late fees '' - for example, on a balance of {$85.00} Macys charged a fee of {$40.00}. In addition this fee is not properly charged ; during my phone calls to Macys I cancelled my account, but Macys did not cancel it. Macys inattention to the content of those calls is as outrageous as the outrageous fees themselves.
Consumer complaint received 2023-04-11
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX U.S.C XXXX section XXXX A. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00} and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. Please remove this as soon as feasible.
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (MD)

Prior to XXXX XXXX, I was given a {$500.00} personal check from my landlord in rejection of my rent, which I had paid her. On the morning of XXXX XXXX, I deposited that check into my account at SunTrust ; the funds pertaining to that check were made available that evening. On XXXX XXXX, I made a withdrawal of {$1100.00}, resulting in remaining a balance of {$70.00}. The following day ( XXXX XXXX ), I received an envelope wherein was a slip of paper declaring that {$500.00} was withdrawn from my account on XXXX XXXX, resulting in a negative balance of {$510.00}.
Consumer complaint received 2023-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Late in XXXX  53 bank bought my mortgage from XXXX XXXX. All escrow payments were made correctly that year. This year they re-evaluated my escrow and during this process removed my XXXX fees from the escrow calculations. When I notified 53 bank they stated I need to email them that there was nothing I can do over the phone. All I want them to do is re-evaluate my escrow using the payouts made last year. Include in that the XXXX, property taxes, flood insurance and home owners insurance. 4 payers so to speak. Just like last year so that Im not XXXX short in escrow. This will be my last attempt to rectify before I contact legal council. Hence failure to comply.
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (IA)

We have an automatic withdrawal coming out of our checking and into our daycare providers account weekly. The start of XX/XX/XXXX the auto withdrawal started to not work after 2 years of no issues. It would double pay some weeks and then skip other weeks. I have called the US banks customer service line 3 times. Spending over an hour on the phone with them each time with no resolution. I have tried the last 7 days to cancel this transfer but the US banks site has been down. I called to let them know I couldnt cancel this online due to their site not working and they told me to go into a branch. So today XX/XX/XXXX I went into a branch for 45 minutes with still no resolution. They told me there was nothing they could do for me to stop this withdrawal from my account. We are switching daycare so I need this resolved ASAP. I have never in my life been treated so poorly or have felt so helpless with my own banking. I am beyond frustrated that no one will help me. I just want to cancel this automatic withdrawal so I can be done with US bank.
Consumer complaint received 2023-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I've been with Select Portfolio Servicing for over 10 years and have carried an escrow account with them. They have continued to miscalculate/ forecast my necessary amount to pay for taxes and insurance despite this longevity. Typically year after year they have notified me of a shortage due to this poor ability to forecast on their part and have me pay catch up payments over 24 months. This year they have once again miscalculated my estimated escrow and instead of having me pay catch up payments over 24 months, have a new policy that I must pay these over 12 months. This has increased my payment over 15 % ( {$340.00} a month ) which is something I can't afford given the current environment with inflation. Please investigate this companies escrow practices to find ways to improve this so others aren't harmed as I have been.
Consumer complaint received 2016-06-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

Unfortunately, I am writing to you again about Ditech. They have failed to correct my account. In fact, they sent us a large envelope with papers stating we are behind on our mortgage along with some hardship documentation. I have been paying our mortgage religiously every two weeks. Moreover, I have attached documentation to prove it. Furthermore, they stopped posting our payments on their site. The payment history from Ditech is showing our last payment to them was on XXXX XXXX, 2016. However, I just made a payment toward our XXXX payment on XXXX XXXX, 2016. I still need them to correct our account. We are not late on any payments. I attached the bank statement showing we have already paid half of our mortgage payment for XXXX, on XXXX XXXX, 2016. Can someone help us, please? The last customer service representative I spoke with told me Ditech had up to XXXX XXXX, 2016 to correct our account. Today is XXXX XXXX, 2016, the account is still incorrect. You will also see how the monthly statements are changing. Why is so hard for them to correct our account? I am so tired of dealing with these people. They are crooks. Help!!!!!
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY (CA)

Dears at Consumer Financial Protection Bureau, greeting On or around XXXX XXXX I contacted CEO American Express to process my judgement XXXX, then I contacted him 3 times later I never received any reply So far, please contact XXXX XXXX XXXX American express CEO For me, thank you for your help,
Consumer complaint received 2023-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (PA)

At the beginning of the year XXXX, a credit builder loan I had taken out with Seedfi was sold off to XXXX. My experience was them as been nothing but negative, but tolerable until recently. I contacted XXXX on XX/XX/XXXX to advise that my pay schedule from work was being changed. Because Seedfi/XXXX set up my payments to be taken on my pay schedule I requested that they change my due date to align with my pay schedule. I called again on XX/XX/XXXX, and again on XX/XX/XXXX to ensure that this change was made. On XX/XX/XXXX, I started receiving numerous phone calls where the caller wouldn't say anything but when I called back, the number went to XXXX. I then received an email stating that I missed my payment due XX/XX/XXXX and I would be reported negatively to the credit bureaus. I called then twice on XX/XX/XXXX and spoke to two separate people who told me my due date could not be changed but once I made my payment on the XXXX, I would be ahead of schedule. I insisted on speaking to a supervisor and they refused to connect me. I feel like this is a scam-like organization who profits off fees and interest. I've spoken to them several times and was never told my due date could not be changed. I never agreed to have my loan sold off to a 3rd party, I was never delinquent with Seedfi to have my loan charged off to collections.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (PA)

I have had this company call me numerous times. I have told them over and over that I can not pay right now. I have XXXX kids and I can not add another monthly payment to my bills. I have been doing credit counseling and have started paying my debts XXXX by XXXX. 

Today XXXX XXXX I received a call from EOS CCA for an old XXXX account. I have to make sure the amount is correct with XXXX XXXX XXXX since I have been reading about a lot of scamming from this company. 

The person on the phone said I needed to make payment arrangements. I told them I could not at this time. Supervisor gets on the phone and tells me that he knows I have kids and a job so I should be paying my bill. I told him I am saving up for something more important at this time and it would have to wait. He says what could be more important and I said marrying my wife. 
And he asked me numerous times how I am paying for my wedding and that my debt is more important. 
Examples being " How are you paying for that? '' I find that very offensive and harassing. 

I am highly upset. I do n't feel it is right for them to ask me how im paying for my bills and how im taking care of my family. 

I have been working on my credit. My whole tax return goes to debt every year. Im trying to raise my credit. 
I do not want to deal with these rude people. This is insane to me to be spoken to by a debt collector in such manner. This is not the only debt I have. I went from XXXX on my credit report to XXXX so I am working on it. I do n't appreciate this kind of harassment. This has made me extremely upset and angry.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Report of Identity Theft information stole from a Medical Office Dear CFPB, I am writing to formally report that my identity was stolen from a medical office, leading to fraudulent actions under my name. The following is a detailed account of the issue : My personal identifying information, including but not limited to my Social Security number and insurance details, was stolen from a cyber attack that happend to a medical office. This unauthorized use of my identity has resulted in financial and medical consequences, a Loan and many hard inquires on my credit. 

I have attached relevant documentation to support my claim, As a victim, I respectfully request that the Consumer Financial Protection Bureau take the necessary actions to assist in the investigation of this medical identity theft and protect my financial and medical records from further damage. Additionally, I would appreciate guidance on any further steps I should take to safeguard my identity and correct the fraudulent information. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue.
Consumer complaint received 2024-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On XXXX my mortgage company reported false derogatory information to all 3 credit bureaus. Within minutes, I filed disputes with the 3 credit agencies and filed a CFPB claim as well. Within 2 days of the false information hitting my credit report, XXXX  XXXX XXXX has lowered my total credit limits from $ XXXX to $ XXXX. 

After reaching out to XXXX with no help from anyone, I came here to request assistance. I have worked my entire life ensuring that I need to keep my credit file clean and in good standing. 

XXXX  XXXX XXXX has chosen to use this false report ( It has already been corrected on all 3 reports and I have a letter from XXXX with an official apology for the mistake ) I have no remedy or recourse in order to be made whole again. I worked years to establish and build my credit lines, banks should at least ensure the information they are acting on is valid! 

I am a consumer who has been taken advantage of, through out a system of inequality. This is gross negligence and is cause for me to reconsider who I bank with. 

Again, XXXX  XXXX XXXX does not care that the error was a mistake and has stated they do not care to see the document received on company letter head from XXXX issuing an apology for the incorrect reporting to my credit reports.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

I have a citibank checking account and recently traveled outside of the country, to XXXX. I used a Citibank ATM in XXXX to take out cash from my Citibank checking account. When I returned home, I discovered that Citibank charged me a foreign transaction fee of 3 % of the amount of my deposit even though I took out cash from an ATM from my own bank. When I called Citibank they told me that Citibank XXXX is actually a different bank that is " not affiliated '' with Citibank in America and refused to do anything about my foreign transaction fee. I find it ridiculous that they would claim not to be affiliated with a bank of the same exact name ( clearly the same bank ) and kindly request to get reimbursed my foreign transaction fee.
Consumer complaint received 2017-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SUNTRUST BANKS, INC. (FL)

Requested Credit/Refund : {$270.00} + {$12.00} XXXX Transaction date : XXXX/XXXX/XXXX | Reason : Overcharging/Service Not Received. Dear Sir or Madam : I am appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I paid for the 1st month but did n't continue occupying space the 2nd month as I moved out, yet was billed for the 2nd month anyway. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead, I was told to contact the owner on his personal cell phone number to resolve. Yet he never answered, nor returned my phone calls. Immediately, I sent my dispute to SUNTRUST but it went ignored. I filed a dispute online which disappeared from the Claim Management Center and I provided details with it. I had to then call and have it re-opened or make a new one. I know SUNTRUST received the claim form recently faxed regarding this transaction. From mentioned dispute.. all I got was a letter on XXXX declining it months later because it says that I did n't file on time. SUNTRUST closed my prior disputes without contacting me but I did file on time a long time ago. Besides this, on XXXX I deposited 2 checks from serving Jury Duty but both checks bounced. Thus, I was charged double " returned fee '' of {$12.00} for each deposited check. I didnt realize Court payments for Jury Duty could be rejected. Had I known, I would n't have deposited. The amounts of the check were {$15.00}. and {$30.00}. for which I was billed fees that take most of what I earned from Jury Duty.