davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Since XX/XX/XXXX USAA XXXX XXXX debt collectors have repeatedly called my phone numerous times a day. I have been in the hospital and trying to recover from XXXX XXXX XXXX and XXXX and have begged and pleaded with them to please stop calling me. I am being called Every hour sometimes even every couple hours. This is a very rough time for myself, family, and country. They are being rude and telling me that they do not care and will proceed to call me as many times as they want until the debt is paid. I need help!
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I had transferred XXXX over to a XXXX account given to me by a seller which was supposed to sell me an XXXX XXXX plus I haven't received XXXX XXXX plus I haven't got an email that is going to be delivering and I have been scammed and I know XXXX which is the payment are used when not refund me back my money and if I contact the bank I know that they will not be willing to give me back my money the only way I can reach out to them for them to give me a courtesy refund is for me to contact the Consumer Finance which I'm doing right now
Consumer complaint received 2020-04-23
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON POSSIBLE.
Consumer complaint received 2019-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (MA)

I discovered on XXXX.19 that my Citibank checking account had been closed. Not only had the account been closed, but Citibank had been applying a $ XXXX monthly maintenance fee for the last 9 MONTHS on my free checking account. I called Citi the same day & asked for a refund of these fees as it is a free checking account and identified as such on Citis website ( I have screenshots to prove this ). However, the Citibank rep was adamant it was not a free checking account and that a courtesy waiver had been previously applied and had expired, hence the last 9 months of fees. This account has been open for years, has never had monthly maintenance fees, and I was never provided notification of a courtesy waiver placement, the fact that it was temporary, or the fact that it had expired. To claim that an account is not a free checking account when Citis website explicitly calls it that is disingenuous and unacceptable. Citi claimed they notified me by mail, but the letter they referenced only states at some point your account was placed in another banking package and that fees may have been incorrectly charged and could be refunded, not that they would start applying fees!! To suggest that a letter informing me I may be entitled to remediation was instead supposed to serve as notification that Citi would start charging fees makes no sense and is unreasonable. Citi did not provide any documentation as evidence that I was notified of these fees, agreed to these fees, or that my free checking account would now be accruing monthly maintenance fees.
Consumer complaint received 2023-08-16
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

My checking account at M & T Bank showed an unauthorized international ATM charge for {$290.00} and an International Fee of {$8.00} dated XX/XX/XXXX. I did not authorize or make this ATM transaction. I did not give out my pin. I had my ATM card with me at all times. There is only 1 ATM card for this account. I submitted a Claim ( M & T claim # XXXX ), by phone, to M & T on XX/XX/XXXX stating all this. On XX/XX/XXXX M & T sent me a letter saying they denied my claim. Further, they stated : " The information and any documents we relied upon in connection with our investigation are available upon request. '' I have requested this information 5 times - 2 separate letters ( XX/XX/XXXX and XX/XX/XXXX ), 2 phone calls ( XX/XX/XXXX and XX/XX/XXXX ) and one interaction ( XX/XX/XXXX ) with Mr. XXXX XXXX, Senior Relationship Manager - XXXX, NY branch of M & T Bank. None of these 5 requests have resulted in any action by M & T. They have completely ignored my 5 requests. I can prove, with receipts during my travels on XX/XX/XXXX where I was. I need the bank to do one of two things : Either send me the evidence ( country,  city, address, local currency, time of ATM transaction ) OR admit they have no evidence and send me a check for {$290.00}. Please note that this fraudulent charge on XXXX/XXXX/XXXX is part of a continued hacking attack on my checking account. In total I have had 19 fraudulent attacks. M & T has honored all my claims of fraud with this one exception. Clearly my account was hacked. Clearly M & T knows this. I need the evidence from the XXXX/XXXX/XXXX ATM transaction. And, I have now pulled all the money out of this account and I have closed the account. End of statement.
Consumer complaint received 2019-08-31
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: EQUIFAX, INC. (IL)

Sent my first dispute letter, dated XX/XX/2019 to Equifax and they received the letter via certified delivery on XX/XX/2019 @ XXXX XXXX. I NEVER received a written response from Equifax regarding this matter. This credit bureau was clearly in violation and not in compliance of the 30 day rule in responding back to me. I reached out again in sending a second dispute letter, demanding they remove the inaccurate, incomplete and erroneous accounts as outlined in my first letter because of their non response and again, being in violation of the 30 day compliance rule. This second letter was dated XX/XX/2019 and Equifax received it via certified delivery on XX/XX/XXXX at XXXX XXXX. Again, I received NO written response from Equifax, who was clearly in non compliance of the 30 day response rule and Now ... in violation and not in compliance of the 15 day response rule. Also, all mail coming to my residence is tracked on the USPS Daily Delivery Digest. To date, there has not been any mail/correspondence sent to my attention from Equifax. I am attaching all relevant support I sent to Equifax and am now including for this complaint.
Consumer complaint received 2020-04-23
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2019-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (RI)

I have an FHA loan on a property at XXXX XXXX XXXX, XXXX, MD XXXX that was sold to Amerihome. Since XX/XX/XXXX Amerihome has claimed that I am past due and even threatened foreclosure. When I obtained the loan through XXXX I paid an extra payment at closing so that I would always be one month ahead. In XX/XX/XXXX Amerihome stopped sending statements to me ( after I declined a refinance offer ) and misprocessed an electronic payment. I have a copy of transactions back to XX/XX/XXXX ( when I switched banks due to an identity theft ) and since then, Amerihome has received {>= $1,000,000} in payments. So that is 14 monthly payments of {$2500.00} since XX/XX/XXXX and along with the payment I made at closing, I should be one month ahead not behind as Amerihome claims.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX and XX/XX/2019, I paid off two credit accounts ( XXXX XXXX and Bank of America XXXX in full based on the current balances posted online. Both accounts were paid on or before the due date. In spite of paying the full balance posted XXXX not the last statement balance ), I was required to pay additional interest in subsequent months. As a consumer, this is a true slap in the face of anyone who pays their accounts in good faith in order to maintain or achieve good credit. How are consumers supposed to get out of debt if interest continues to accrue on balances that get paid off? Please consider developing a process where consumer credit accounts can offer a pay-off request on-line similar to consumer loans so that people can be reassured that paying off an account is final. This means that if a customer selects a pay-off request, then daily interest stops. If the payment is not posted in full by the pay-off date, then of course interest should continue to accrue. I followed up with both creditors and paid the interest, however I was given no guarantee that the posted interest does not constitute a new balance which can accrue additional interest. My creditors certainly didn't offer to waive the interest on the pay offs, so this creates a cycle of being robbed masked as the " cost of credit ''. Please explain how a credit account can finally reach a {$0.00} balance short of closing the account entirely.
Consumer complaint received 2019-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KY)

I moved out of complex on XX/XX/2017 left voice mails gave 30 day notice I placed the key in the drop box and cleaned up complex I was charged for damages and there were no damages when I moved out of complex. complex kept the deposit I paid which was {$300.00} on XX/XX/17 company stated I did not pay deposit but I have receipt of payment stated I skipped during eviction process company never started an eviction process contacted creditors about charges on XX/XX/XXXX company had agreed they have no contract for me as they have sold the company and agreed to close the account out I have spoke with corporate many times in regards to this as the collection agency was very rude and nasty to me when calling would not listen or give me help I was told by the corporate office to dispute the account and the account would be removed from all credit bureaus so far account has only been deleted from 1 bureau
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Barclays credit card account, Barclays offers a lock card feature that disables any charges from being made to your credit card when enabled. I enabled this feature on one of my Barclays credit cards on XX/XX/2019. In May there was a fraudulent charge made against my Barclays credit card that was locked. Barclays never contacted me regarding this. On XX/XX/2019 Barclays reported my account delinquent to all 3 credit bureaus, causing my credit score to drop between 80-100 points ( depending on the bureau ). I got an email notification that my score dropped and started checking all of my accounts. I finally checked my Barclays locked credit card, thinking it couldnt be this card because it is locked. Well, it was that card. Immediately I called Barclays to find out  whats going on. The customer service representative I spoke to acknowledged their mistake. He couldnt determine how or why my card was charged while it was locked but admitted it was a security flaw on their end. He told me all fees would be reversed and I wasnt held liable for the fraudulent charge. He also issued a new card with new card number. A few days later I checked my account and the new credit card was now unlocked but the late fees remained. I locked the card, and then called Barclays again. After waiting on hold for over 30 minutes I spoke to another customer service representative who again apologized for the inconvenience, and reversed the late payment charges. I raised the concern that I would like these updates to be reflected on my credit report since their initial reporting was 100 % inaccurate and false and my credit score dropped significantly. She told me that if I have any account disputes that I needed to submit them to the credit bureaus. I feel this is wrong and I, the consumer, is the only one paying the price for Barclays mistake. Barclays clearly states in the lock card disclaimer that no charges can be made to this card without unlocking it or my approval, this includes fraudulent charges. Barclays clearly allowed a fraudulent charge against my credit card that was locked for 3 months prior. The fact that Barclays quickly reported my account delinquent/negative but would not take any steps in fixing their mistake is a problem for me. Ive worked very hard to improve my credit and credit score and I feel very wronged as a consumer when I didnt do anything to cause the negative impacts and Barclays takes no accountability to correct their mistake. I would like my credit score and my credit report to have these negative marks removed permanently, and I would like my credit score restored the what it was prior to the fraudulent negative remarks. Thank you.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Very bad customer Service and experience Everytime I request A credit line Increase in my Exxon account They tell me You have a fraud alert I say yes their supposed to Due extra verification to approve me They dont they just decline me each time Im So frustrated with this bank their dont care to make me Happy I deserve a line increase Ive been a loyal customer
Consumer complaint received 2020-04-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2019-11-08
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. (NV)

I have been disputing my collections accounts with Transunion for almost seven months now and haven't many results or communication from them. I'm just trying to get things removed so I can improve my score and put my family in a better position in life. I will all letters sent to them so they can see the history I have of mailing them ...
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a dispute XX/XX/2016 regarding an account on my credit report, XXXX XXXX, indicating the date on my credit report is wrong. That account is more than 4 years old. It is dispute # XXXX. 

While I dont have proof on an account that old, I know its while i lived on XXXX XXXX XXXX In XXXX XXXX MD, which is atleast 6 -7 years ago, making that account close to dropping off my credit report. 

According the the FCRA, theyve had 30 days to reply to this dispute, and I'm nearing 3 years.
Consumer complaint received 2020-04-23
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: CITIBANK, N.A. (NV)

An inquiry from CBNAOFDEC of XXXX XXXX XXXXXXXX XXXX, TN XXXX, was placed on my XXXX   credit report on XX/XX/2019 that I did not authorize, and did not approve, I have no open account with this company or any prior dealings with this company.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Recovery Solutions (OH)

Received a voice mail from XXXX on XX/XX/19 stating I had pending debt in their office and it was best interest for me or my attorney to contact them at XXXX. Called on XX/XX/19 and I spoke with XXXX XXXX I emailed her proof I no longer owe this debt and it was paid and she is still calling stating I do. Also, having this robo call as stated above calling my kids, husband, in-laws.
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (MD)

We (my sister and I, Sister on-loan/not deed) were given a "Trial Modification Plan" (1st  Page/Booklet: 1) and made all of the payments (Book:1/P.1-4),except last payment due to several crises, death in the family and the government shutdown (Book:1/P. 5) and Selene Finance returned last payment (Book: 1/P. 6-7) after Selene associate said "send in the payment".Selene then sends "Reinstatement Quote" without crediting mortgage payments (Book: 1/P.8), then Selene next sends "Notice Of Intent ToForeclose" without crediting account for mortgage payments (Book: 2/P. 9).
Consumer complaint received 2019-08-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I had a private student loan with Citizens Bank which was being serviced by XXXX. Evidently the amount of time I can have in deferment had reached its maximum time even though I am still in school and ALL other private and federal loans were in deferment. 
XXXX closed out my student loan and sent back to Citizen Banks without notifying me of this. XXXX did state I was qualified for a temporary 3-month forbearance and then would have to make payments but I was not notified or informed of this. Citizens Bank charged-off the account and has refused to allow me to make payments as requested. Citizens Bank has refused to put anything in writing. XXXX record was sent to online inbox which is unmonitored and I never received a copy mailed to me and both Citizens Bank and XXXX have refused to show proof that I was mailed letter of account status. 
Citizens Bank has wrongfully places charged-off on credit reporting agencies. This matter has been referred to California Attorney General and Depart of Education for formal complaint. I have filed complaints with credit reporting agencies and this issue has been sent to legal representative for review.