davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

On the XXXX XXXX I sent XXXX sterling to XXXX XXXX via a Citibank account XXXX XXXX XXXXXXXX XXXX XXXX  ). I had been provided the wrong account details ( US $ ) so the transfer was rejected. Since then, I have waited over six weeks for the funds to be returned to my account. 

Citibank have said the funds were returned on the XXXX XXXX, but have not provided confirmation the transaction occurred despite being asked to do so several times. My bank, XXXX have confirmed the funds have not been returned. 

All parties involved are blaming each other and I am left without my money. I feel extremely let down, stressed and XXXX about the situation and each additional call to XXXX XXXX and XXXX provides no further information as to when I will receive the money. ( I can not contact Citibank, the main culprits, directly as I am not their client ).
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

I contacted Equifax because they are NOT updating my credit score or reflecting any of my history for the last 2 years. I legally changed my name 2 years ago and have updated all XXXX Credit bureaus. They do reflect my legal name on their respective websites. I have been unable to get any financial institutions to talk to me because they say my credit history is blank. I have called Equifax 4 times and each time they said they would elevate a ticket to a specialist and they will contact me in 2-3 days via phone or email. NO contact. That has been 3 MONTHS of calling and waiting with no resolution. Ive looked it up and found other complaints similar to mine and they say its likely a split file whatever that means. I'm frustrated that customer support of Major Credit bureau that affect my life cant be bothered to fix the score they are assigning to me and causing me stress. I need help from someone at Equifax that WILL ACTUALLY do something.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (OR)

I have checking & savings accounts with Bank of the West. Bank of the West has been merged with a XXXX entity called XXXX. As of XX/XX/XXXX. XXXX, I have been unable to access my accounts online. I tried several times to go through their online process, complete their forms & provide required information. It didn't work. I keep getting error messages. 

The Customer Service telephone number is fully automated. It requires a " Telephone Banking Password. '' There is no way to get this password because I can't penetrate their systems. I am locked out of my bank accounts & can't get in touch with a human to help untangle this mess. 

There is no " contact us '' email possibility on their website. 

I can't use my debit card, access ATM funds, pay bills, buy food, etc. I need money to survive. What can I do?? 
XXXX has my contact info, my email address, my telephone number, etc. I have NO WAY to contact them directly to resolve this problem.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX had a glitch in their system that is showing a closed account that has been in good standing now reflecting as a closed charge off and also duplicated. It shows twice as if it is two charge off collections. It has never been in collections nor was it ever a charge off. The account was closed after 4-5 months of failing to report timely zero balances that kept my score from rising. XXXX trust had no explanation nor understood why it was happening. That is another story. XXXX XXXX has confirmed that they have already reached out to all the Bureaus to advise them about the glitch. When I contacted XXXX XXXX weeks back they informed me that they will add me to the dispute. After a couple of weeks with no changes I called again to request a statement from XXXX XXXX so that I can speed up things on my end. They sent me the attached statement so that I could use for my reasons. I see no room for rebutting or investigating outside of verifying the branch, number and personnel listed in the document to reach directly and request whatever is needed from them. Account # XXXX. This account should be corrected immediately with the no late payments and no balance owed and can be confirmed with simply directly reaching out to the branch and speaking to anyone with access to my account.
Consumer complaint received 2023-09-02
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. (NY)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Onity Group Inc. (IL)

had 2 loans with wells fargo in XXXX, they had me make payments XXXX XXXX - then they said they never received the payments. they started foreclosure on my home and I secured a lawyer. eventually they said they would refinance with another company and I could start making payments again. which I did for several years and then wanted to refinance my loan and paid a appraisal fee just to find out some other company real time solutions has a interest or deed on my home so i couldn't refinance. Real time solutions wouldnt work with me to finance it all into one loan. they wanted me to pay a new balance which was like XXXX loan started at XXXX so now real time solutions bought my 2 nd mortgage for pennies on the dollar and is just waiting till I build enough value in home to take over my home
Consumer complaint received 2019-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SIMM Associates, Inc. (TN)

On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX, SIMM Associates did contact me a total of 7 times as debt collecters regarding a debt I allegedly owe. On all of those 7 occasions they did fail to comply with the requirements of Title 15 > Chapter 41 > Subchapter V > 1692g > Section A > Subsections 3 and 4. 

On XX/XX/XXXX, I messaged them stating I wanted them to cease any current or future attempts to collect the debt, report said debt to credit reporting agencies, or contact me regarding said debt. 

On XX/XX/XXXX, SIMMs associates did contact me in a direct reply to my previous message in a further attempt to collect the debt in violation of Title 15 > Chapter 41 > Subchapter V > 1692c > Section c > Subsections 1, 2, and 3.
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CT)

Kia Motors has charged me taxes for the whole XXXX year for my previous lease with them and are also charging me taxes for the whole year of XXXX for my current lease. I should only be charged for taxes for the amount of months in that year that I owned either car. However they are charging me for the whole year for both. 
I calles them to dispute this, they said I need to pay the full amount and ask for a refund of each extra tax they charged me. They will then process this and refund me. I was given conflicting information about this when i paid the full amount of taxes for the first car, was told that I would only be charged for the prorated amount for the new car. However that was a lie and I am being charged the full amount for both cars. 
I dont think this is right. I shouldnt be charged the whole amount if I didnt lease the car for the whole year. They should only charge a prorated amount no matter what the town charges them for taxes. What about people that are not aware of this process?! They pay Kias taxes for the car that they didnt even lease for the whole year.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a bank of America credit card. They stole my wallet and made purchases with my credit card. I file a police report and contacted my bank. This incident took place a while ago and Bank of America refuses to correct the situation with the credit agencies.
Consumer complaint received 2019-05-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I called Toyota Motor Credit in XX/XX/XXXX explaining that I had my information on auto pay and as result that I did not want to lose out on payment date and receive late days. 
I wanted them to be aware to work with me, as I had gone through some financial issues outside of my control and was trying to build back up so I may continue using service freely and as mentioned I am back on track with my payments. Except for late payments reported for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I expected this to occur as my information was purged and everything was set up on auto pay this is the account number XXXX
Consumer complaint received 2020-04-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

Due to the XXXX XXXX, President Trump indicated that all mortgages would be available for a deferment. We are both furloughed from our job. My wife, XXXX XXXX since XX/XX/XXXX. Me, XXXX XXXX, since XX/XX/XXXX. We live in Florida and have applied for unemployment. Neither of us has received XXXX benefits from Florida as of XX/XX/23. 

We filled out the help forms on Amerihome Mortgage 's website, and they have never mailed or emailed either of us a response. We talked to XXXX  rep who said we could ask for a forbearance. But, President Trump said there would be deferments. And, when you are not making any money, a forbearance makes no sense. 

The Amerihome rep told us we could get a XXXX  day forbearance, but then would be responsible for all of the monies owed in the fourth month. Since we have a USDA, federally backed mortgage, Amerihome should be offering us a deferment. We are in a rural area, we are not wealthy, and now we are out of work. 

Since we are getting no help from Florida, our money is running out, and we are concerned we will lose our home. Amerihome as been no help, have not responded to our requests for help, and when we pressed the rep for help, he told us to refer to the USDA. We are at a loss now ... 

Please help. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-31
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX HOSPITAL ) XXXX
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ray Klein, Inc. (LA)

1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date. 

2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks
Consumer complaint received 2019-05-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please know that I was not late on the mentioned accounts here.. I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX   XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc. (MI)

XXXX XXXX XXXX forwarded my debt to Merchant and Medical Credit. They, Merchant and Medical,  have made frequent phone calls to the point in which I have blocked any numbers they have called me from. Also, they recently contacted my Emergency Contact noted on my medical records asking for my information. The hospital asked for an emergency contact in the event something happened to me at the hospital. Why their contact information was forwarded to a debt company does not seem right. Also, when you call the company they do not note who they are. I called them from my work phone, blocked number, and I had to ask who the number was regarding. I'm not entirely sure if this falls under the FDCPA, but I do not think it's proper for a hospital to forward my in the hospital emergency contact to a debt collection company.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received a bank of america gift card, i found out yesterday that it had expired. Upon calling B of A the rep told me there was nothing she could do since it expired on XX/XX/2019. I had asked if the money goes back to the person/company that purchased it so i could contact them and have them go through the trouble of getting me a new gift card. She explained that the bank keeps the funds. Which I do not see as a legitimate outcome
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT RESOLVE GROUP LLC (MS)

This guy calls from this company/phone number threatening to sue if this unverified, invalid debt isnt paid by noon. There was no letter mailed from this company which would give 30 days to dispute. This number calls repeatedly 10-15 times back to back on a number that does not belong to the person they are trying to contact about the debt. I have a recorded voice message giving details about this debt on a number that is not even associated with the debt. The calls come in these repetitive blocks multiple times a day. I have them logged in a caller ID bank. The calls began on XX/XX/XXXX and have continued today, XX/XX/XXXX after the person was told not to call the number again and only contact via US mail. This is a disruption to my work. They claim the debt is for {$740.00} from XXXX The debt is NOT valid as the product they claim to have sent was not received, and the services billed were not utilized. Letter of cancellation was sent to XXXX in XXXX of 2018 and was not honored. The caller is belligerent and rude and demanding.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I have a checking account at Wells Fargo. I noticed in XXXX that I had been charged a XXXX XXXX   monthly service fee ( charged on XX/XX/XXXX). I then went back and noticed that I had been charged the same fee in XXXX ( XX/XX/XXXX ). I connected with the bank to ask them why I had been charged these fees. They credited my account the {$60.00} they had charged ( on XX/XX/XXXX and XX/XX/XXXX ) after my complaint. However, my issue and the source of my continuing concern with Wells is that : 1 ) This is not the first time that I was surprised by a service fee. It's happened before, and mostly depends on if I happen to notice it or not. 
2 ) We originally set up the Wells Fargo checking account when we got our home mortgage through wells - it was a requirement to get the mortgage. At that time, I had explained to the Wells representative that I had minimal needs - a few checks and ATM withdrawals - and I wanted the most basic account there was. 
3 ) Somewhere along the line, my account was upgraded to something I didn't need. This new account ( " XXXX by Wells '' ) also came with a high minimum balance requirement, which I was never told about - I would never have agreed to it, because we never intended to keep much money in wells. 
4 ) I asked them when my account was upgraded, as I have no recollection of ever having consented to this, and I definitely did not know about any account balance requirements. 
5 ) I spoke to someone at the Wells Executive Office on XX/XX/XXXX, who told me they were conducting an investigation into this matter and they would get back to me with the results of their investigation - why did I have a banking product I didn't need and why was I getting charged? 
6 ) Since then, I've received nothing but unhelpful replies to my repeated inquires about the results of their investigation. One reply said they would send me their brochures. Which they did. Another just restated the type of account I had and the balance requirements.

7 ) I consider myself a pretty savvy consumer, and I had no idea what product I was using at Wells,  when I had consented to using it, and what the balance requirements were. Perhaps they have got legal coverage somehow but at the very least its an extremely misleading approach. I wonder how many other people are stuck with banking products that are overpriced and unsuitable for them.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I have three separate accounts with Amex personal use, primary bills, and business. I have been receiving limit reductions for all account despite never missing a payment, and I had an issue with one card and Amex froze all accounts/cards which ultimately impacted my credit and completely severed my ability to purchase basic necessities. 

Amex then reached out demanding XXXX $ or else they would continue reducing account ( this is by legal definition coercion which is illegal ). I informed Amex of this and that my wife and I are due for our first baby this week and we can not risk having cards frozen or paying such a large sun when we already live paycheck to paycheck. 

I have spoken with Amex about interest reductions as well and am being charged 400 $ + a month in interest. At this pace I am fearing potential bankruptcy and inability to support family when I have been a consistent user for almost ten years and have never defaulted a payment. All of this has occurred from XX/XX/2023 to present.