davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

TRIED TO OPEN BANK ACCOUNT AND XXXX SYSTEMS REPORTED THAT MY SOCIAL SECURITY NUMBER COULD N'T BE MINE GIVEN THE SEQUENCE OF NUMBERS WAS AVAILABLE FOR ISSUE IN XX/XX/XXXX IN NY, HOWEVER, I WAS BORN IN XXXX MARYLAND IN XX/XX/XXXX NOT NY.
Consumer complaint received 2015-08-06
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

Springleaf Finance have XXXX hard inquiries on my credit report viaXXXX XXXX who matches you with a creditor. They were not suppose to put hard inquiries on my file. XXXX preapproves you before you get to next step. I applied to this company XXXX time in XX/XX/2014. Now I have XXXX hard inquiry. False advertising. I tried talking with them about the problem, but theyRefused my rights as a consumer and would not listen to what I said. Please notify these companies as it has impacted my credit score.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-04-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

with " automatic bill pay '' my account was withdraw XXXX ( same amount XXXX dollars, on XXXX XXXX, and XXXX XXXX. ) When I checked online to see if my pension money was available I noticed the mistake. This mistake made incur in overdraft, so they start withdrawing a XXXX dollars fee ( XXXX times ) they did n't do it more times because I got my XXXX money deposited and the account had founds. 
Bank of America, send emails to see if their service was good, they call you to offer you new products, but they never called me, to tell me they were withdrawing this fee in an abusive way. Because, XXXX can be a punishment, more than XXXX about the same without notice to the affected person shows they are profiting without any ethical principles. 
I went to the bank in person, they sent me home, this issue can be solved only over the phone ... Next day, called at least they transferred me to XXXX different people and explain the whole issue since the beginning, maybe their solution was to make me give up, instead to give me a professional answer. 
They agreed about the mistake ( almost one hour later ), and refund XXXX dollars ( when really they deducted XXXX ), so I have other call pending to claim on the same. 
This is no the proper way to treat a XXXX who is a loyal customer of them for the past XXXX years at least. 
I got punished for their mistake in XXXX, and same problem had occurred on XXXX, so is recurrent this unfaithful practice. 
How they can do with me and my money whatever they want, and I have just to watch? 
I am just a person who lives on his retirement money not an account knowledge professional. 
Why Banks do n't inform the client as soon as they take money as " penalty ''? and really at my XXXX years old I did n't feel treated with respect and understanding.
Consumer complaint received 2015-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Praxis Financial Solutions, Incorporated (FL)

This debt collection company calls my job multiple times a day and wo n't give any information who there or what they want. It 's embarrassing and they need to stop calling my job all the time. I have asked them to stop calling my place of employment.
Consumer complaint received 2015-11-30
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: U.S. BANCORP (NY)

Received a call from US Bank numbers ( XXXX ), ( XXXX ) and ( XXXX ). I was told I qualified for a $ XXXX loan. They proceeded to pay off my XXXX XXXX credit card of {$1200.00} and they claimed it would bring my credit rating up. In turn I was told to then wire transfer XXXX from my credit card and in turn they would deposit the XXXX. That never happened. They soon cancelled the CC payment made to my XXXX XXXX. Today I telephone and was told to pay an extra XXXX. I am now submitting my complaint as I was scammed. 
The following individuals keep calling me from US Bank. 
XXXX XXXX and XXXX XXXX. All XXXX sounding voices and doubt that is their real names. 
XXXX, NY XXXX
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

*** This is not a Duplicate ***My mortgage company lack of security allowed my tenant ( XXXX XXXX ) to compromise my account and cause harm to me and my credit. She was able to gain authorization over my account and changed the contact information and went delinquent. I was n't notified because the contact information was changed. This was all done without my awareness or consent to account XXXX and XXXX on XXXX XXXX XXXX. I have taken actions to correct my part, but I need to have the harm caused to me removed from my credit file. 

I have sent the following proofs of fraud on my account to Experian and they responded with ; that they will not block the subject submitted from my credit file. 

Compromising my account and taking actions as if they were me is a clear case of fraud, and according to the FCRA, fraud should not be reported. 
Attached : - XXXX police reports by my tenant- XXXX court cases of my taking legal actions to correct my situation- a forfeit letter written by my tenant. ( if you see the phone number on the letter, it 's my tenants cell phone number ) - XXXX letters of me escalating to my mortgage company to correct my account and also to secure my account ( XXXX have been a failure )
Consumer complaint received 2015-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Network Inc (CA)

I am victim of identity theft. Someone unknown to me used my personal information to obtain goods and services fraudulently. I did not authorize or have any knowledge of these accounts. I have contacted the mentioned collection company Financial Credit Network who are reporting this fraudulent account on my credit report and they repeatedly verified the account, ignoring my police report, statements and the fact the account is fraudulent.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-12-01
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Receivables Performance Management, LLC (WA)

They have called at XXXX in the morning to sometimes XXXX at night, when I answer, no one will say anything, they just hang up, they call 5 to 7 days a week, will not leave a message and sometimes I will hear music in the background. I have asked them to stop calling if no one will answer and they continue to do so. I have checked sites where there is complaints about this happening to them with this same number.
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (PA)

This debt was paid as soon as I closed the account. This should have never been sent to collections. I have contacted Receivables Performance Management on several occasions. I was told this would be removed from my credit report, but it 's still reporting. This could potentially cost me a lot of money in excessive interest. I need this corrected. Thank you.
Consumer complaint received 2015-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (NY)

FOCUS RECEIVABLES MANAGEMENT has been calling and harassing me about a bill owed to XXXX. 
I haved contacted XXXX XXXX and the company states they have no record of me evering having there service or owing a bill with there company. 
I have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt. 
Now this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing. 
I asked for them to delete this false information from my credit reports without any luck.
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had overdrawn my account last month and again this month. I had alerts set up that I am supposed to get an email when there is an overdraft so I can immediately deposit funds to keep from incurring fees. I have not been receiving the alerts until the day after the overdraft has occurred which entails a {$35.00} fee for each transaction that day. My wife went the XXXX day to deposit funds via check and the teller told her she could deposit via ATM and it would cover. It did not, and it posted the next day, which results in {$100.00} of fees that day. I went and made a deposit again this morning at bank opening to cover a {$8.00} overdraft from last night ( which did not show up at XXXX when I viewed the account ) and was told that I was now good by the teller with a XXXX. I logged in and saw I am in the red again because they are now charging me {$35.00} again. I have been charged fees due to both lack of notification, which I signed up for, and for bad information from bank tellers in which the manager could only apologize and say they are not responsible for misinformation from tellers and there is nothing they could do. I have been a customer of this bank for 13 years now and am tired of these inappropriate fees ( or money grabs ) from my bank due to their bad employees and bad systems. Their repetitive fees keep me from getting back in the black.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MN)

Listed on my credit report from Equafax is a collection debt for {$77.00}. The account number is : XXXX. 
There is no identifying information for this debt. I am not aware of who owns this debt, or how to contact them. I am wishing to resolve this debt.
Consumer complaint received 2015-12-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America is reporting debt balance as due on credit report after XXXX was issued discharging the debt. 

I lost my house to a XX/XX/XXXX foreclosure with XXXX during the foreclosure mismanagement and mortgage practices documented by State and Federal investigations ( XX/XX/XXXX National Mortgage Settlement ). Prior to the foreclosure I opened a line of credit with Bank of America ( BOA ) in XX/XX/XXXX for house repairs and modifications. I became financially unable to continue the payments after the foreclosure for the BOA line of credit debt and the account was charged off in XX/XX/XXXX. 

In tax year XX/XX/XXXX, BOA issued a Form XXXX ( cancellation of debt ) in XX/XX/XXXX discharging the credit debt. I consulted my tax advisor and filed the XXXX with my XX/XX/XXXX taxes. I reviewed my credit report XX/XX/XXXX and BOA has a balance due for the amount that was discharged. I contacted BOA and was informed the amount is still due ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I submitted disputes along with a copy of the XXXX to the XXXX credit reporting agencies ( part of my dispute was the account is not a charge off but a discharge based on the issued XXXX ). XXXX was the only agency that did not report the balance. Fast forward to XX/XX/XXXX and I reviewed my credit report again which still reflects a balance for the discharged debt with the XXXX credit reporting agencies. I contacted BOA and was informed that they will not remove the balance to reflect XXXX ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I was advised by another entity to submit a complaint to the CFPB for assistance with BOA to reflect XXXX on my credit report after a XXXX was issued discharging the debt. I plan on submitting a second dispute letter to XXXX and XXXX XXXX within the next XXXX hours. I am a XXXX Veteran and did not use my VA loan to purchase the house that foreclosed in XX/XX/XXXX. Thank you.
Consumer complaint received 2015-10-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

Today I received notification from my credit report that Freedom Mortgage company reported my loan to the credit report as " Account in forbearance '' when it was never late and never in forbearance. This obviously effects my credit rating and how others view my credit activity and is against the FCRA. I would like an immediate response to the issue and recommend a CFPB inquiry to their credit reporting practices for Veterans and how they are handling VA loans. 

Thank you.
Consumer complaint received 2015-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I obtained a new mortgage through XXXX XXXX for the purchase of a new home. We closed on the property located at XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX, 2015. Our first mortgage payment in the amount of {$1500.00} was due on XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into the XXXX XXXX website and made our XXXX payment for {$1500.00}. This transaction cleared my bank account via ACH transaction on XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a letter in the mail dated XXXX XXXX, 2015 from WellsFargo stating that our mortgage had been sold to them from XXXX XXXX. After XXXX XXXX, 2015, I contacted WellsFargo to determine whether my payment had been received. I was advised at that time that it can take some time for that to happen, however, my credit report would not be negatively impacted as they allow a XXXX grace period for mortgage transfers. Since that conversation, I have received collection calls from XXXX XXXX during which I advised the payment was received on XXXX XXXX, 2015. Once I provided this information to the representative, they stated " oh yeah, now I see it ''. I 've talked to representatives in the loan department at XXXX that have assured me the payment would be sent to WellsFargo within a few days, then a few weeks and on Monday, XXXX XXXX, 2015, I was advised the payment would be there by XXXX XXXX, 2015. Well, today, XXXX XXXX, 2015, I received a call from an extremely rude collector for WellsFargo stating that not only has my payment not posted but they are going to report to the credit agencies that I am 30 days late. I was treated as though I was worthless XXXX and told that " if '' my payment does in fact arrive from Homestead, I could dispute the derrogatory information that was reported. This is completely unacceptable. I not only made my payment on time but paid it early and yet I am receiving harrassing phone calls. Also, oddly enough, I received notification from XXXX dated XXXX XXXX, 2015 that stated my mortgage was being transferred to WellsFargo effective XXXX XXXX, 2015. I thought I was supposed to be notified 30 days in advance if my mortgage was sold???? Clearly this did not happen. I have no confidence in either financial institution.
Consumer complaint received 2015-12-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (IL)

I attempted to lower the current, 7 %, interest rate of my home by refinancing. I was contacted by Cardinal Financial Company to refinance my mortgage ( recorded ). I told the Cardinal representative about prior attempts to refinance and prior appraisal fees paid. I was NOT willing to pay for another appraisal. I also gave the Cardinal representative underwriting information that would be on my title search. I was trying to be as transparent as possible. This representative assured me that I should have NO problems acquiring refinancing. I subsequently paid the {$470.00} for an appraisal. After 82 long days of meandering, Cardinal denied my refinance. I feel that if lending institutions did the underwriting, credit check, etc. FIRST ; they would then ascertain what an appraisal amount should be. Instead they collect appraisal fees FIRST. Sounds like a scheme to me.
Consumer complaint received 2016-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX , XXXX repeatedly call me on my cell phone, which is my work phone. When I say Hello, hello, no one is there!!! I repeatedly asked them to Validate this debt, which mentions XXXX and as I see from my credit report is quite old, but they keep sending me a letter saying they are requesting the appropriate documents. The last time they called, I took a photo of the call on my cell number. XXXX removed their entry from my credit report but XXXX is not willing to do so.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A woman from the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my XXXX drivers license and social security number to purchase a car thru a loan company called XXXX to purchase a XXXX car. I did not have anything to do with this. I would think this is highly illegal. This transaction showed on my credit report on all XXXX bureaus as a positive item which has effected my debt to income ratio. I need this removed I did not buy a car.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Trans Union keeps adding a address to my credit report which is not mine and belongs to another person XXXX. For this reason, I keep getting bogus collection calls from companies stated I owe money for a debt that was never mine. I live in XXXX state and has for over 10 years. Please have Trans Union remove the address and phone number from my report. They have inserted this address XXXX times and I dispute each timeAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone XXXX. Thank you
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX 2014 I contacted American Express because of health issues affecting my ability to pay my account in the manner I had through the previous thirteen years and I ask for concessions to allow me time to adjust my payment schedule so I could recover and AMX purportedly granted my request and allowed me to pay a reduced amount starting with my XXXX payment. In this program I was to pay {$270.00} per month for XXXX account and $ 1.1 % per cent per month of the unpaid balance on the other account with the {$270.00} put on automatic withdrawal from my checking account and the other was paid monthly by direct payment from my bank also. This went on for five months as I noticed the balances were not declining as it should and I called AMX and questioned why this was so. There reply was that there was also a 9.9 % charge added to the payments. I told them that an inactive account should not be charged interest. Then they instructed me that I had forfeited on my agreement with them and my credit would show a nonpayment disclosure to my credit report. I then tried to talk to someone in authority and could not connect with anyone. After repeated attempts I gave up trying and I hired a company called XXXX XXXX XXXX of XXXX, OK to negotiate and settle on my behalf they were unable to reach any kind of agreement with AMX and now I am in the process of my money being refunded and I need help with these accounts and to allow me to repay without a judgment being leaned against me.
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

I WENT TO XXXX TO SEE IF I QUALIFIED FOR ITEMS I DID AT PIONEER FINANCING AT THE TIME NEVER PICKED UP OR RECEIVED ITEMS THEY HAVE BEEN CALLING SENDING LETTERS I HAVE TALK TO THEM THEY WILL NOT TAKE THIS OFF OF MY REPORT .I DO NOT HAVE AN ACCOUNT WITH EITHER COMPANY.
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (FL)

CONTINUOUS CALLS FROM THIS DEBT COLLECTOR, I ANSWER THE PHONE EVERYTIME AND TELL THEM I AM NOT WHO THEY ARE LOOKING FOR AND TO TAKE ME OFF THEIR LIST. THEY SAY OK YOU ARE OFF THE LIST AND THE NEXT DAY AND THEREAFTER THEY CONTINUE TO CALL AND HARASS ME.
Consumer complaint received 2015-04-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (VA)

Citi XXXX XXXX advertise that XXXX of the benefits of the card is redeeming Thank You Points for XXXX cents per point if you use the points to purchase tickets on XXXX XXXX ( or XXXX cents per point for tickets on other airlines ) through their designated travel agency. What they do n't disclose anywhere is that the cost of the tickets are inflated. ( i.e. they charge more for the tickets than any of the ticket booking sites like XXXX, etc. ) In some cases, its only {$2.00} - {$15.00} more but its still not fair. Citi - please disclose how this program really works!