davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NY)

Moved to a new apartment in XX/XX/2022. Changed my address. Started getting e-mail alerts from Navy Federal Credit Union telling me to change my address. These alerts did not clarify why I was getting the alerts. Called multiple times and asked representatives why I was getting alerts. They told me nothing but said the issue is resolved. I logged into my account today to pay my bills and it was blocked due to address issues. Today was the first time I was told there was an issue with my address and the XXXX said I have to talk to the post office because my mail keeps getting returned to Navy Federal Credit Union. I asked to get access to my account and the XXXX refused. So I cursed her out. She said it made sense to her that my account is blocked when I have bills to pay and cant pay them. I have other bank accounts elsewhere and Navy Fed is the only XXXX with this issue.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Transunion to remove these inquiries from my report.
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (CA)

On X/XX/2017 my phone rings and shows a number at XXXX. When the in formation shows up it showed that this is a company that I had already reported before to the Credit Bureau for just putting information on my credit report that had been removed over 4 to 5 years ago for a debt that either was not mine or had been disputed by prior credit collection companies who removed the information from the credit report. I also contacted them ( ERC ) and received conformation that the debt was removed. I am not sure how this account showed up almost five years later with ERC and just placed on my credit report with no knowledge of this account by me and with a new age date on my report. After, I informed the credit bureaus and this collection company about this they removed the information but now I have started receiving calls from this company again when I plainly sent in communication not to call me but they continue to call me from different numbers for no reason. When I sent in my communication I let them know I would like to know off the top the statute of limitation on this alleged debt and why did they just put inaccurate information on my report that was re-aged to begin with.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX XXXX I opened a Citibank checking account with a credit card/debit card. I received notification of the promotion through the Citibank App. The promotion was for me to deposit {$10000.00} and utilize my credit/debit card a min of 3 times for at least {$500.00} in a 3 month period. For those transactions, I would receive XXXX XXXX XXXX XXXX points. I have never received these points. I have tried on numerous occasions to contact Citibank whereby they transfer me to multiple departments who in my last conversation sent me to XXXX XXXX who also was unable to help me.
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OR)

BSI Financial has three times in one year lost my mortgage payment. This forced me to make an emergency online payment to avoid late fees. Subsequently, my first check was cashed by BSI, just a few days after the deadline. Although that then covered the NEXT month, its not easy to suddenly come up with XXXX  of dollars in my monthly cash flow because of someone else 's incompetence. This happened in XXXX, XXXX and XXXX of 2022. ( It is reflected in the online records of my account at BSI ) Either they are incompetent or trying to squeeze people for fees. I get paid on the last day of the month ; I mail my mortgage on the next day - like clockwork. If a company offers pay by mail, they need to competently process mail. I have not had this issue in 30 years with any other mortgage company or utility.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

To Whom it may concern, I have submitted my escrow analysis with Freedom Morgage company for an update on my taxes since XXXX XXXX I have called and complain to the company on why this problem has not been fix all they tell me is call back in 8 days and they keep pushing the issue on and on. The company quoted me for XXXX a year as a Morgage payment in which, I have proven that is not XXXX its XXXX a year. The company refuses to deal with the issues nor fix the problem in which they are over charging me. I spoke with the escalation 's specialist XXXX XXXX XXXX from freedom Morgage, and she stated they received the information, and they will look into in which nothing has been done in over 2 months and I'm stuck with an overcharge for the past 8 months since we bought the house. Please help!!
Consumer complaint received 2022-12-16
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: WELLS FARGO & COMPANY (WV)

15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2022-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc. (MI)

On Tuesday XX/XX/2022 at XXXXXXXX XXXX  I entered XXXX XXXX XXXX XXXX XXXX XXXX '' store to finance some furniture for my household. I was told to fill out an online application to see if I qualify for said loan. At XXXXXXXX XXXX  I was denied for the credit after they ran my credit. They told they will send out an adverse action notice to my email address that I provided to them with more details of why I was denied. I still have not received the notice and as far as I know when they ran my credit a consumer credit transaction has to have taken place. Which they did not disclose the material facts with me at the time of the credit application being filled out and I did not receive any furniture. It is unfair that they have discriminate against me after I gave them my social security card number. Pursuing 15 USC 1602 ( L ) my social security card is my credit card so how can they deny me after I supplied them my credit card.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NJ)

They have not validated the debt by producing a payment history and original contract of my signature.

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey
Consumer complaint received 2022-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A. (OH)

Today, XX/XX/XXXX, I received a medical collection letter via XXXX, by SCHEER, GREEN, & BURKE CO. L.P.A. with my wife 's last maiden name and my first name. They claim the debt occurred XX/XX/XXXX for the amount of {$18.00}, account number they give is, XXXX. I have never used XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also filed a complaint with the Ohio Attorney Generals Office. I couldnt understand how a XXXX could get a bill wrong with a fraudulent last name if this debt was ever true to begin with. XXXX XXXX debt does Not include or have anything to do with Medical debt!
Consumer complaint received 2022-12-15
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: AMERICAN EXPRESS COMPANY (CO)

I reached out to American Express Company about a charge of {$740.00} from the merchant XXXX XXXX ( XXXX ) on XXXX XXXX. 
I used the official XXXX  mobile application to make a change to a connecting flight to give myself some additional time during a layover. I used the XXXX  app to look for flight changes. The app listed numerous flights available for that change, each had a listed charge. There were two flights that showed a charge of {$0.00} and I proceeded to select one of those flights for the change and expecting no charge to process that change. In the screens that followed showed a charge of {$0.00} ( at least two other screens ) and I proceeded to finalize the change. Within a few minutes, I received a notification that my credit card was charged an amount of {$740.00} from XXXX. I called XXXX  immediate ( within 15 minutes ) and spoke to a representative and explained my issue. She said that she was not able to help me because I had finalized my flight change. I asked to speak to someone else or a supervisor multiple times and she put me on hold two times. I waited for a response for more than an hour and after she got back to me, she mentioned that she opened an inquiry for me and that XXXX  will follow up with me within 5 business days. I also filed an online question with XXXX. I did not hear back from them.

I submitted a dispute with American Express Company ( Amex ), the credit card provider that this fraudulent charge was charge to. The dispute closed after XXXX  responded with the position that " The merchant has advised that the change was done by the XXXX  herself through XXXX. '' I spoked with Amex representatives on at least 6 occasions about this dispute. Each time, they expressed to me that my dispute is reasonable and that they will be able to help me. Amex closed my dispute and I called them to express my concern that my issue was not addressed. The representative suggested that we reopen the dispute. The dispute was re-opened on XX/XX/2022 and I submitted additional letters and documents to support my claim. Amex closed my dispute on XX/XX/2022 with the same position as the first time that " The merchant has advised that the change was done by the XXXX  herself through XXXX. '' They also sent a message to let me know that they can no longer investigate this issue further and close this dispute.

I am submitting this complaint because Amex did not properly investigate my dispute. I did use the XXXX  application to make a change to my flight but the issue was that XXXX  charged me {$740.00} without displaying that amount on their application. I communicated this concern to Amex through multiple calls but it was not heard.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST INTERSTATE BANCSYSTEM, INC. (IA)

I took my dad to open a new account We are having trouble with my brother abusing his POA his POA has since been revoked. When we got to the bank an XXXX XXXX offered to help. She asked my dads name and asked who I was. I replied im his daughter. She announced my name XXXX XXXX stuck her hand up in my face and said she wouldnt be opening any accounts for me today. I advised her I was there with my dad. She then told my dad he didnt need to change his account and sent us on our way. When we got home my dad was mad and said he wanted his money and wanted to close his account. So we went back to the bank. He walked up to XXXX at the window and told her to close his account. XXXX come running out of her office waving her arms yelling stop. She would not be closing his account and they were not accepting the revocation of the POA. Seems she has some kind of relationship with my brother. The next morning I woke up to a knock on the door. She had called the police and wanted me arrested for trying to still my dads money. This is just a start to what has happened. I have called the bank twice and no one has ever returned my call
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems XXXX failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if XXXX continues to defame my character and cause me more XXXX XXXX XXXX XXXX XXXXXXXX. I'm being denied credit due to these inaccuracies of debt. XXXX has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (AZ)

we were buying a new home for the first time .. moved to AZ .. put required $ XXXX down on XXXX home . Loan officer acted like it was a great deal with our great credit. He did n't let us know, until it was too late to do anything about it, that his rate was 4.125 %. i contacted my XXXX who works at XXXX XXXX Bank and he said that was unheard of and not legal. The rates are much lower than that! He said to negotiate with them. They would just say, you 're locked in, and you can always re-finance! We told them we could n't afford that rate. They did n't care. We had to deal with at least a dozen people and not just one on our loan .. too many vacations! We 've written letters and no one cares. Even to the President of the XXXX Mortgage ( conflict of interest, they own it and 60 % of the XXXX title agency ) and the title agency. We 're XXXX and XXXX and we were taken advantage of. Our friend at XXXX 's suggested we file a complaint with you. Please assist in any way you can. Awful organization they are! and conflict of interest, since they own all three companies. Thank you. After this experience, we would never buy new again. They were all rude and we did n't receive their pamphlet on how to negotiate the BEST RATE until after they had locked us in. Nobody showed up at closing - only a notary and he could n't answer our questions. We called the loan officer but he did n't call back. Because i told them i was checking the rates with my friend, they supposedly STOPPED working on our loan. Thus, they kept telling us a date and changing it ..the moving company would n't put up with that and charged us for storage - {$1500.00}! we have had nothing but trouble with this house and no help. we made a long list of items that need to be fixed and have only seen a " door '' adjuster - 3 doors would n't shut. please help!
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

I was trying to send a Zelle transaction in the amount of XXXX to my daughter however the last 2 digits of her phone number i by mistake put in backwards resulting on the money sent to another person. I have contacted my bank as well as the person who I sent the money to. I requested for him to send my money back however it has been a couple of days passed and no money has been sent back to me. I have persons full name Phone number and my banks confirmation that I have tried to dispute this transaction. Is there anyway can get assistance. 
Thank you in advance.
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (GA)

I tried to make a payment at approximately XXXX XXXX  using Mariner Finance 's online customer portal. Instead of processing my payment, it states that my account is on restricted payments. I called Mariner Finance on XX/XX/22 to find out what options were available to me since I had not yet been able to make my XX/XX/22 payment due to some unexpected expenses for auto and household repairs. The main option available was to allow them to run a credit check to see if I could get an additional {$500.00} dollars and they'd refinance my loan. I refused that option because I neither want the additional inquiry on my credit, or their {$500.00}. When I refused, rep, XXXX 's offer, she said that I would have to make a payment with her. So, I explained to her that I was driving and that since I was not yet 30 days late on my account, I would make a payment by XXXX, XX/XX/22 by going online and scheduling a future-dated payment dated for XX/XX/22. I also explained that since I wouldn't get paid again until the end of XXXX, I would make the XXXX payment then to bring my account up to date. Instead she tried to force me to speak with the Branch Manager, XXXX XXXX, who is very unprofessional and uses bullying tactics when interacting with me as a customer. So, I hung up before he got on the call because I have no plans of dealing with him. Now, they have evidently taken away my ability to make payments online. So, they are trying to cause my account to get to 30 days late. I have also uploaded two letters, which I received on the same XX/XX/22. One is dated XX/XX/22 that notified me of the possibility of a negative report to credit reporting agencies. 
You will notice that the XX/XX/22 letter lists four ways to submit a payment ; however, I am currently unable to make a payment in accordance with the options listed. This proves that they are using bullying and intimidation tactics when interacting with customers. I does not state that I need to speak with them. So, I am trying to make a payment. 
The other is dated XX/XX/22, which informs me that if they do not receive payment in full within 15 days of the date of the letter, they will file a suit/judgement against me. 
I feel that they try to prey on customers and bank on them being ill-informed and afraid to take action on their own behalf.