davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Revolut Technologies Inc. (DE)

On XX/XX/year> I went to Delaware XXXX XXXX to take money out of the ATM off of my Revolut Card and the transaction was declined/cancelled. However, the money was still taken out of my Revolut account off my card plus it deducted {$6.00} ATM fees and an additional fee of {$2.00}. So either the ATM or Revolut has taken {$100.00} from me and I want my money back it was never received out of the atm and the Casino worker who handles the ATM confirmed that the transaction for their ATM was transaction XXXX and that transaction appeared declined on their end.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX had placed an inadequate collection account on my credit reports in the amount of {$55.00} from XXXX XXXX, Account # XXXX, XXXX and now Transunion. I called XXXX and told them this was incorrect and I talked with a supervisor on XXXX/XXXX/XXXX and she immediately removed this account : I call XXXX and told them that this was not correct and it should be removed that XXXX had removed this and they stated that they could not remove, only XXXX could. I could dispute it so, I had XXXX dispute and two day later it was verified by XXXX that it was mine and they would not remove it, I asked how was it verified and he ( XXXX ) would not tell me. I stated that this was old XXXX XXXX and it had been on my report before and had been removed and they still refused to take this off, ( it would be due to come off in XXXX XXXX ). Now they have put it on my Transunion report, I called Transunion on XXXX/XXXX/XXXX and they refuse to take this off also. XXXX received this bill in XXXX and placed on my credit reports back then I had it removed. On XXXX/XXXX/XXXX I paid XXXX XXXX ( receipt attached ). They stated everything was paid but XXXX so if I had a bill for the XXXX Center it should have been paid from of that money. I have asked XXXX to provide me with a list of what I have paid and so far I have not received anything. Why can one XXXX see that it is not correct and remove it and the others can not. My credit is being ruined by these XXXX companies.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PR)

Equifax is reporting student loans accounts multiple times as closed accounts, transferred accounts & delinquent accounts giving a false total as bad accounts. Their reporting caused my credit report to dive by XXXX points in 30 days. In truth, the following accounts have been deferred or transferred to a new company & are all in positive standing : XXXX Other account that appears as negative are the followings : XXXX : Has incomplete, incorrect and inaccuracy information. Never has been paid late and the report establish that was pays as agree. 
XXXX ; incomplete, incorrect and inaccuracy information. This was a secured account and is impossible that was paid late. The credit report established that was paid as agree.
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (GA)

I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Professional Debt to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV INC. (OH)

I recently had a large amount of money transferred to a bank account that I do not own or have in my name from Money Network on XX/XX/XXXX in the amount of {$2700.00} - Bank Name : Money Network/ Metabank / Fiserv Money Network Financial , LLC , is owned by Fiserv , Inc.XXXX XXXX XXXXXXXX I contacted Money Network about this withdrawal of my money and why was it transferred to some bank account I do not have and that said I needed to file a dispute. 

This incident occurred immediately a week after I was issued a replacement card. 
because funds were also drawn from my account on the prior debit car I closed out with this company before the sent me the new one. 

I have reason to believe that who ever used my account to make purchases has my bank account routing number because even after I got issued a new card just a week later money is being transferred to an unknown account and Money Network can't tell me the bank but they said it's my name?
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (TX)

Asset Recovery Associates contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TN)

An auto loan that was for business is being reported on my personal credit report. The business closed and filed bankruptcy in XXXX XXXX. The court ordered the return of the vehicle by the business to Ally in XXXX XXXX. Ally was notified that the business was voluntarily surrendering the vehicle and that they could get the vehicle anytime they wanted by the business also in XXXX of XXXX as per the court 's directions. The business bankruptcy was in the Tennessee XXXX Bankruptcy Court and the case number is XXXX. It was filed XX/XX/XXXX, the meeting of creditors was held on XX/XX/XXXX and the case was finalized on XX/XX/XXXX. The attorney that represented the business for the bankruptcy was XXXX and XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This is currently being reported on my personal credit even though my name is not on the vehicle or any of the paperwork from the dealership for the purchase and financing of this vehicle. My name should have never been affiliated with this loan. This should be removed from my credit report at all credit reporting agencies. I am attaching the installment agreement and the purchase contract from the dealer that the vehicle was purchased from and financed through showing that my name is not on this and that it is only in the business name.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

I applied with my credit union ( Navy Federal CU ) on a mortgage. They claim that if they can not match a rate that a competing lender is offering that they will pay you {$1000.00}. I ended up closing with the competing lender and NFCU will not honor their {$1000.00} rate match claim as it is described on their match form. Their rate match claim form reads " Upon receipt, Navy Federal will review the HUD-1 Settlement Statement/Closing Disclosure and the Mortgage Note to confirm that the loan closed on the same terms and conditions originally quoted by THE COMPETING LENDER. '' The form does not say that it has to close on the same terms and conditions that Navy Federal was offering. I feel as though I was deceived by this and NFCU does not want to honor their rate match claim as stated on the form. I have been in the mortgage industry for 22 years and this is a classic case of deception that we learn about every year during our continuing education classes.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

EQUIFAX CONTINUES TO REPORT A PUBLIC RECORD THAT BELONGS TO A FAMILY MEMBER ON MY CREDIT REPORT. THEY WILL NOT FURNISH ME WITH THE SOURCE OR HOW THEY ARE VALIDATING THIS PUBLIC RECORD..RECENT CLASS ACTION SUIT ( XXXX XXXX VS. EQUIFAX ) SHOWS THEY ARE INCORRECTLY VALIDATING PUBLIC RECORDS ON CONSUMERS CREDIT REPORTS.THIS IS REALLY HURTING MY REPORT. XXXX AND XXXX HAVE BOTH REMOVED THIS PUBLIC RECORD. I DEMAND THAT EQUIFAX REMOVE THIS PUBLIC RECORD FROM MY REPORT IMMEDIATELY AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX account Account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I looked at my XXXX Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXXC 1681 ( e ) ( b ) According to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under investigation under paragraph ( 1 ) of any information disputed.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Experian is reporting an account from XXXX XX/XX/year> that should be removed .... It has been reporting on my file for over seven years. By law, after seven years it should be removed.They are breaking the law by reporting inaccurate information on my file
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Bureau of Jonesboro, Inc. (AR)

I have disputed this account with the Credit Bureaus as well as Credit Bureau of Jonesboro Collection. I disputed this account with this company on 2 occasions ( see attached letters certified return receipt documents ) and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letter and seeking validation of the accounts they were listing on my credit report. I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate, the statute of limitations has expired and it is not verifiable ; therefore, these items should be deleted from my report immediately.
Consumer complaint received 2017-01-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

Commenity Bank called on a number that was not identifiable, shown on my phone as " no caller ID '' when I picked up the first and second time they hung up after I said hello. Then they repeatedly called me from the number that was not identifiable. When I did pick up later that evening and ask the representative about the calls she was rude and dismissive and said they were allowed to call me multiple times a day. I had just paid this company XXXX days ago, and told the rep when I made that payment that I would call be after the payment cleared to set up more arrangements. The payment cleared my bank this morning!
Consumer complaint received 2017-03-28
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: SECURITY CREDIT SYSTEMS INC (CA)

I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/XXXX2016 place for deposit by them on XXXX/XXXX/2016. XXXX XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. I do not owe this debt.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (WA)

I received a settlement offer for a debt XX/XX/XXXX and replied with a written validity request/dispute on XX/XX/XXXX. As of XX/XX/XXXX I learned the debt was sold following my dispute, failing to provide me information within the 30 days.
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NH)

To induce providing my physical address, AMEX suspended my unsecured credit card account to " comply with new government guidelines ''. AMEX promised on taped calls that my physical address would go nowhere, and my mailing address would not change. 

After an Order of Protection on my ex-husband, and a career reducing hacker crime on financial systems - not publishing my physical location for database auto-replication is basic self-protection. 

XXXX USPS forwarding protection breaches required multiple moves, as my physical address would " magically '' get updated across multiple non-USPS databases. I was thankful to find my rights to not register my physical address with the USPS. 

Now, 1 week after yielding my physical address to AMEX, I 'm getting snail mail from the XXXX XXXX XXXX ( to whom I 've never given my physical address ), and XXXX XXXX XXXX XXXX ads with invalid callback phone numbers for someone who has never lived at my address ( probably by a cyber-criminal working to undercut me with identity theft ). 

I appreciate AMEX will say that AMEX " had to have it, because the government made them '' - and that I can not really prove they were the source of the breached data. XXXX and XXXX XXXX XXXX will say my address was certainly obtained through some legal means from some 3rd Party they can not find/reveal. But, I am recording my concern with the CFPB to understand the tightly-wound ( and hopefully unintentioned ) results of empowering credit card companies to do things like suspend credit access to force location information into government financial programs via data-sharing. 

No one is going to be left to protect others digitally, if it is made so easy to allow hackers and other self-interested commercial parties to harm us and others in accountability verification roles.
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

When I opened a new checking account with Citibank, they were unable to verify my external checking out through login. I was advised I would have to do trial deposits and that the initial funding would not go through. Later, after confirming the trial deposits and seeing no pending transfers, I initiated the initial funding through the external account in the amount of {$15000.00}. Later, Citi then initiated XXXX withdrawals of {$15000.00}. The second led to an NSF fee and I received an e-mail that they planned on re-initiating it. I called in and they promised they had canceled that attempt. The attempt did not appear on Citi 's website for me to cancel. However, Citi then initiated this transfer again, leading to another NSF fee from my external account. 

Additionally, due to issues in product integration, Citi conducts verification and sends out account information piecemeal. Citi refused to accept a signed affidavit as proof of identity/residence, insisting on utility bills that are n't in my name ( since I 'm a full-time student ). Then, Citi blamed me when the provider ( XXXX XXXX XXXX ) would not talk to them about the account. Moreover, Citi 's refusal to provide appropriate information and integrate verification meant that once I activated the debit card I was mailed, I was instantly blocked from online access since I had n't been provided a PIN and I had n't been provided my full bank account number yet ( I needed both to login ). Citi customer service could not provider or create either. This failure of integration meant that I did not have access to Citi online, including my unrelated and existing Credit Card ( Citi Double Cash ). I believe this denial of access to current balance, transactions, and previous statements based on a checking account is a violation of the Electronic Statements agreement between me and Citi and the XXXX XXXX. Even in the most liberal reading, the Electronic Statements agreement requires notice of termination of online access. 

I had upwards of 10 phone calls related to this issue and met with a Branch Manager. Finally, I was able to get a " Level II '' Supervisor from Citi who instructed me to call her direct line while in branch with a branch manager. I finally have access to view my online accounts while I wait for the New Accounts Team to process their request to unblock my account. I have not been able to get any resolution on receiving compensation for the overdrafts.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc. (CA)

We were late on a membership fee to our timeshare with XXXX XXXX but have since paid what was due to XXXX. An outside collection company called Aspen National Collections which we have no business affiliation with, keeps harassing us for some fee they trumped up of {$53.00} for their services. We do not know who this company is and have advised them multiple times to stop calling us. They continue to harass.
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan hit me with a 30-day late fee for my car payment. What had happened was Nissan FAILED to send me a bill, so I forgot to pay it. It was my understanding that they are required to send me a bill every month for my loan. We called Nissan and explained what happened - they said they would waive the late fee and would make sure that the late payment did n't show up on our credit report. Not only did it show up, but it shows up as two 30-day late payments. I called Nissan to discuss, and they said " ok, we will review your complaint and send you a letter with our determination within 30 days. '' I never received anything in the mail or via email, and was never contacted about it again. 

This is the only derogatory item in my credit report - goes to show that my creditworthiness is outstanding, and that I had no reason to miss car payments. I have over {$15000.00} of available revolving credit, and I 'm utilizing less than 5 % of it. This incident does not accurately reflect my creditworthiness, and I feel that Nissan has been dishonest with me and has not acted within the bounds of the Fair Billing Act and the Fair and Accurate Credit Transactions Act in its dealings with this situation. 

In my credit report, it says " late dates : XXXX - 30 [ days ] '' however, it lists two 30-day lates under " number of 30-day past due payments '' - please see attached screenshot of my credit report. There is also innacurate information showing under trended data for XXXX 2016, when a full payment was obviously made but not fully and correctly reported. 

If Nissan Motor Acceptance Corporation has a record of the phone call, the call was likely made from XXXX of XXXX numbers : XXXX or XXXX. Please contact me for further information if needed. I have nothing to hide and will fully cooperate until this is handled property.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NM)

Citi does not allow you to pay your pending charges before they post on your account, meaning they will always be able to charge interest at the end of the month regardless of a customer 's ability and willingness to pay off the balance. 
Also, the customer portal does not allow all cardmembers who share an account to see the transactions made by other cardmembers. Truly a terrible system, as there is no ability to watch for fraudulent transactions without logging into XXXX accounts. We have had the card for a couple months, but we will be going back to XXXX XXXX tomorrow.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had an XXXX XXXX Visa Card issued by Bank of America. The annual payment came due in XXXX XXXX and I decided that I no longer wanted the card. I contacted BoA customer service in XXXX XXXX and after their several attempts to retain me they agreed to cancel the account. On XXXX XXXX XXXX I received a bill for the annual card fee. This bill contained a BofA late payment warning fee. I immediately called BofA and determined that, although they cancelled my account, they did not cancel the annual fee and have been reporting my account as past due to the reporting agencies. I spoke with XXXX XXXX at Bof A ( XXXX ) and she assigned case no.XXXX. She assures me that my account will be credited and that the credit reporting agencies will be notified that there was/is no late payment.
Consumer complaint received 2017-01-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This credit card was issued thru MBNA and was PAID after an agreed settlement number was given. This credit card was back from XX/XX/XXXX and was paid and should have been removed from my credit in XX/XX/XXXX.