davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Due to an audit, my state tax authority submitted an " order to withhold '' to my bank. Not the most fun thing to happen, but perfectly reasonable. Part of the order was a {$100.00} fee. The shocker came when I contacted the state tax authority and discovered that the fee had nothing to do with them - they do n't attach fees to " orders to withhold ; '' imagine that - the fee was being charged by the bank. My state tax authority agreed to reduce the amount of the order - really, they were more than courteous and reasonable - but could do nothing about the fee. Ultimately the fee turned out to be more than the order. The bank released the remainder of the order back to me, but kept the fee. 

I 'd really like an explanation of why a {$100.00} fee ( that in my case was more than the legal order from the state tax authority ) is reasonable and appropriate. What costs does the bank incur that are covered by that fee? Do they have some employee somewhere that gets paid {$100.00} for the XXXX minutes it takes to review the order manually and push some buttons? Is there a human being involved at all? 

Like many other types of fees, this XXXX is far more injurious to someone with a low bank balance than someone with a high XXXX. Someone with a balance over XXXX figures would barely notice a {$100.00} fee. On the other hand, someone with a balance over XXXX figures would barely have noticed the amount of the legal order issued by my state. I have never had a balance like that, so a fee of {$100.00} literally means that I have to scramble to make sure not to overdraw the account. ( Which would result in a different set of fees. ) These fees are practically calculated to suck the life out of people that have very little money on which to survive. 

I understand that the bank is providing a service, and that they exist to make a profit through their services. I do n't begrudge them fees in general, but ca n't they charge fees based on the average balance? In any case, a fee of {$100.00} seems excessively high. 

The other, less annoying, problem : according to the state, the bank should hold the affected funds for 10-15 days. My bank DEBITED the funds in less than XXXX. Really? They needed that tiny amount of cash right away?
Consumer complaint received 2016-01-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

I started to order product from XXXX thru their agent over the phone. I provided a credit car but when the agent advised that we will be placed on automatic shipments I said to cancel ecverything, that I did not want their product if I had to be placed on automatic shipment. Operator said it would be cancelled. I then get a bill for {$130.00}. I have never received any product from this company. I have sent them XXXX debt defense letters where I ask them to show proof that I ordered the product and proof of any alleged delivery. Apparently they ignore these for I just received another collection letter from Retrieval Masters Creditos Bureau , Inc. XXXX, NY XXXX. I have been disputing this debt with debt to no avail. When I look on the Internet there are XXXX of cases of consumers going thru the same problem with XXXX. 
Thank you so much for your help.
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: EOS Holdings, Inc. (MD)

I contacted this office for the second time today, Friday, XXXX 2015. The time was XXXX. I advised the representative that they were reporting on my credit report for a debt that had been discharged in a chapter XXXX. He still advised that it was an attempt to collect a debt. I then explained that I was not to receive any more calls regarding the debt and proceeded to provide them with the filing attorney 's phone number. Her name is XXXX XXXX XXXX and her office in located in XXXX, MD.
Consumer complaint received 2015-12-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Utah System of Higher Education (MN)

My educational institution, XXXX XXXX XXXX XXXX XXXX XXXX, initiated my repayments in XXXX through UHEA ( XXXX ). At that time, I owed approximately XXXX, XXXX dollars. Through a deferment, inability to " communicate '' with XXXX, getting conflicting information from them when they would respond, there total lack of cooperation in providing statements and other loan specifics as well as my own ignorance in just refusing to deal with them or my loan for about 2 years, I have since paid approximately XXXX dollars to them and still owe them approximately XXXX, XXXX dollars. I am nearing retirement and do n't feel I can maintain these payments much longer as I will not have the money. It trying to work with them to settle the loan, I received but rude and degrading comments. I am at my wits end about it.
Consumer complaint received 2015-04-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C. (MD)

On XXXX/XXXX/2015 Trident Asset Management reported a {$37.00} debt on my credit report without ever making contact with me. I have no knowledge of this debt and it has no be validated as accurate but it was reported to the credit bureaus. This illegal entry has now cause damage to my credit score. Again, I have received no communication from this company. The only information I am able to provide about this alleged debt is listed below : Account Number : XXXXDate Reported : XXXX : $ XXXX have no knowledge of this alleged debt and this does not belong to me.
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (FL)

I signed up for a free bank account with PNC back in 2007 and just recently they said that my account was no longer free and I have a {$7.00} a month fee to maintain my account. I was grandfathered into the old terms which PNC and myself are bound.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX/DOFED last report XX/XX/year>2024 for {$1300.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2016-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (OK)

I understand that I owe money to university of XXXX. But unfortunately the past fees years have been very difficult for myself. I barely at times have enough money to pay bill 's let alone try to pay off debts. I have filed before on this matter of being threatened of being arrested to harassing phone calls to my XXXX year old father. They call five times or more. Never answwer when picked up or hang up when I answer. Now I 'm in a position that I have no work or income coming in. Yes I want this matter resolved but trying to find a job where I live is hard and being sick makes it worse. I have filed bankruptcy once and feel I my not have a choice now But to do it again. They refuse to send me any kind of document regarding this matter and have asked them to stop calling due to the fact I do not have a phone and the number that are calling is a friends phone. He is constantly having to stop at work and answer the calls. He has told them to stop and they refuse to do so.
Consumer complaint received 2016-01-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The attached page shows a company called XXXX of XXXX Ohio sentt me a a check for XXXX and 53rd said there was something wrong with it. 53rd had charged XXXX in overdrafts at that time, so their settlement owed me 3 times that amount. XXXX XXXX also said he would refund the XXXX fee after a year. I was also owed a XXXX promotion as well. I am not sure what was wrong with the XXXX check from XXXX of Ohio.
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. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2015-04-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

On Friday XXXX XXXX, XX/XX/2015 I made a deposit of XXXX paychecks at my Citibank branch ATM. On Saturday XXXX XXXX there were a couple of debits to the account, and I withdrew money from the ATM. On Sunday XXXX XXXX my husband attempted to access my online account and was met with a blank account page. He assumed the website was undergoing maintenance and moved on. On Monday XXXX XXXX I attempted to make a withdrawal at my branch ATM and was rejected. I assumed there was a problem with the ATM, and as the branch was still closed went to another ATM location. When both that attempt and a purchase failed I returned to my bank, which was now open. The teller told me that neither him nor anybody else at the bank had any access to my account, and gave me a toll free number to call. I spoke to XXXX different 'supervisors ' when I called. Neither could give me any information regarding my account, accept for alluding to my Friday deposit being involved. I was told the fraud department was handling my case, and that they did n't take phone calls. I was advised to call back in XXXX hours. I called back on Thursday XXXX XXXX, XXXX hours later. I was told they could n't give me any information, and to go into my branch to see my banker. I was on my way to work, so could n't go in until the next day, Friday XXXX XXXX. My banker cleared everything up, opening my account back up, and explained why fraud had been suspected. What he could n't explain is what this complaint is about. Why, over the course of 6 days, did n't anybody from Citibank reach out to me? If I had n't needed to get cash out of the bank on Monday I would n't have known that anything was wrong. If someone had been attempting to commit fraud, I would n't have been given the opportunity to protect myself and check other accounts. I could have accrued fines and had my credit negatively affected from automatic debits not going through. Worse still, If I was alone, with no support network, and no access to my money, I may not have been able get to work, feed my child, etc. I also find it frustrating that all the people I talked to during my XXXX calls were " supervisors '', and that they would n't direct my call to someone who really was in charge.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute and request the immediate removal of several fraudulent accounts and inquiries that have appeared on my credit report as a direct result of identity theft stemming from the XXXX data breach of XXXX. As a victim of this breach, I am entitled to protections under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. The fraudulent accounts listed below were opened without my knowledge or consent and must be permanently removed and blocked from my report. 

The following accounts must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX data breach, which I obtained from the XXXX XXXX XXXX XXXX website. Additionally, I have included documentation showing that XXXX has already investigated and removed the fraudulent accounts and inquiries from my credit report. Please find this documentation enclosed for your reference. 

In further support of my claim, I have provided the following documents : A copy of the FTC Identity Theft Report ( FTC Report # XXXX ). 
A notarized Affidavit of Identity. 
Proof of identity and address, including a government-issued ID and a utility bill.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX, DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, XXXX, DEPT OF EDXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (CA)

Hello! My name is XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I have a problem with Citibank Sears Credit Card. They offered me a Zero percent interest balance transfer with a fee that I agreed for the transfer. When I received my statement of account, they started charging me with 3.99 percent APR. When I called the company, they told me that when I encashed their check, it was a 3.99percent APR. I told them based on my coversation with their agent over the phone he offered me he offered me 0 percent APR. They told me 3.99 percent was for longer payment period and and 0 percent was for a shorter period. Since this communication was not clarified with me by the agent, I was requesting the APR of 0 percent with shorter payment period. When I called and talked to the manager, he said he can not change it. It was the fault of the agent for not clarifying with me the transaction.
Consumer complaint received 2015-09-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (WA)

I filed a complaint against XXXX, they called me and told me that they had pulled my credit report an were collecting for Westlake Financial ( complaint number XXXX ), who I do n't have a contract with or have n't herd from in almost a year. You wrote me back and said the company was getting together paperwork and would respond in 60 days. Yesterday, I got a letter from them with a contract for another company, and they are still trying to collection. I am continuing my dispute with them. I am using this way to contact you because Ica n't log in and the phone number in your email does n't work.
Consumer complaint received 2016-01-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

In XXXX 2015, I used my bank card to pay for a hotel reservation and immediately requested a refund, because the provider could not accomodate with a closer location to a workshop I was attending. I asked the hotel to give me a refund and was told they could not refund me because the transaction was done through a third party. I then contacted my bank to do a chargeback. I filed XXXX claims with my bank and received a letter recently that they closed my account because of overdraft fees and would not refund my money from the transaction. The account is now in collection and my claims are closed even though I submitted the letter from the third party acknowledging the transaction. 
No one will give me my money back.
Consumer complaint received 2015-06-02
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

XXXX. I am told that PennyMac is obligated to return all monies in my escrow account within 21 days. I called PMac last week and was told the check was sent on the XXXX or XXXX of XXXX. I called PMac today and advised them they were in violation of the law as it is now 30+ days since closing. I was put on hold for about XXXX minutes after telling the rep I wanted the check Sent by XXXX. I was then transferred to a voice mail where I repeated the problem and again requested the check which is for about {$400.00}. Your aid is requested and it feels good to have a place to go to when people with wobbly business practices display their contempt for us. Thanks!!
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 number # XXXX, account number # XXXX, Account number # XXXX Account number # XXXX Account number # XXXX Account number # XXXX account number # XXXX 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 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (IL)

Commonwealth financial has changed a collection account number so they can reinsert this to the credit bureaus. XXXX account number was XXXX now it is XXXX, this to me is in violation of the law. They can not prove I owe this debt, please look at complaint case number XXXX, there is no debt validation, and they know this that is why they changed the account number. I will be filing a complaint with the Illinois attorney generals office and seeking legal help to file a class action law suit. I will start a social media page to see if any other cousumers are being treated in this matter. To this day I have not received debt validation.
Consumer complaint received 2015-04-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions. (CA)

I CAME TO A SETTLEMENT AGREEMENT WITH FBCS INC ON XXXX XXXX 2015 FOR THE AMOUNT OF {$320.00} and they have sent me an outstanding balance letter of {$210.00} stating I still owe them money. The conversation was recorded on their end and also recorded on my end. I would like this resolved to show I have a {$0.00} balance as agreed to on the phone.