davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MD)

I was charged interest for the next two months after paying my bill in full 2 days late. 

I paid my bill late in XXXX - admittedly my fault. I paid my XXXX statement in full on XXXX XXXX instead of XXXX XXXX ( 2 days late ). CitiBank charged me ( a ) {$25.00} late fee and ( b ) interest on both my XXXX and XXXX billing statement. I was charged interest in XXXX and XXXX - even though I paid these statements on time and in full. 

Apparently, Citi takes away your grace period and charges interest for the next two months after any late payment. Citi charged me a late payment fee, which I admit was my fault for paying 2 days late. I accept this fact, but note that {$25.00} for a two day late payment is quite a bit. I did not expect nor believe the reasonable consumer understands that if you make a late payment you then lose your grace period for two months - in addition to being charged a late fee. It seems like the late payment penalty should be enough, but then to charge interest and not honor my grace period on statements that I paid in full because of a non-related past late payment where the bank collected a late payment fee is a bit much. 

Who would ever think that in addition to a late payment fee, the bank also accesses another late payment penalty in the form of loss of grace period or interest -- even when the subsequent statements are paid in full. So, in essence the late payment penalty is not merely {$25.00}, but rather {$25.00} plus interest on whatever you charge in the next two months. 
This loss of grace period and additional interest charges while not directly related to my late payment are being accessed as an additional penalty. 

I complained to the bank first, because I believe it is appropriate to give the business a chance to respond prior to filing a complaint with a regulator. The bank did write me back and informed me that I paid 2 days late, so the late fee was appropriately charged. Okay, fair enough. Further, the bank tried to inarticulately explain grace period and interest to me. Its explanation is nonsensical in the context of my complaint about the bank taking my grace period for two months after XXXX late payment - even when those two months ' bills were paid in full and on time! 

How is this practice not the exact thing the Card Act attempted to prevent - e.g. gotcha fees like interest rate resets. This practice seems to be unfair, deceptive, and abusive - in my humble opinion. Consumers understand that if they do n't pay on time, they will be assessed a late fee and interest for the month that was not timely paid, but I do not believe any consumer understands ( whether disclosed or not ) that on top of a late fee, the bank will charge interest on the next two months of charges - regardless of whether you pay those statements in full and on time. Absurdly deceptive! 

I would like the supervision and enforcement office to investigate this practice.
Consumer complaint received 2016-07-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC (TN)

I 've received several calls from some who did not disclose their name, nor did they advise me the basis of their contact, but attempted to coerce vital and private information from me. All they seemed to have was my name, phone number, last XXXX of my social and an incorrect address that I 've never heard of. But when I attempted to ask what was the reason for the call, they refused. Because they refused, I requested that they not call me anymore, but they still insist upon calling. I 'm pretty sure that there should be no bill collectors calling me since I filed for in XXXX XXXX and received discharge of bankruptcy in XXXX XXXX. I 've since reverse dialed the number and it answers as Dynamic Recovery Solutions. My other major concern is identity theft. Is there anything that I can do to prevent the continued calls as well as find out if there is someone using my identity.
Consumer complaint received 2023-08-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (OH)

This is between American Express National Bank and me regarding my CD. 
The contact phone XXXX ( NY ) * I recorded most of the conversations with the customer service representatives. 

XXXX XXXX My CD matured. 
XXXX. Prior to the maturity date, I called the above number to request the closing of my account once my CD matured. I was told to request it on the XXXX. I wanted to make sure that I'll get the funds back, I mailed my written request as well. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : I called the same number and requested the closing and transfer of the funds. I was told my funds would be processed next Friday, XX/XX/XXXX. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : The transfer didn't happen. I called again. I was told that it will be processed on XX/XX/XXXX. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : I asked XXXX (? ) about the status of my transfer. The phone call was cut short. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : XXXX answered. It took over XXXX minutes to find out my funds won't be processed until XX/XX/XXXX or XXXX. ( XXXX # XXXX ) It is unbelievable that it takes at least 25 days until my funds get into my hands. Upon maturity, during the grace period, I could request the closing of my account and transfer the funds, which I did. And then I have to wait XXXX to 14 days more to get my money back. The bank is holding my money XXXX and making a month 's profit out of it. It's a shady and cunning practice. The representatives made empty promises too many times, and I am afraid when I see my money back.
Consumer complaint received 2023-08-30
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (DE)

The is for my Fortiva Financial Credit Card I have.I currently have 2 credit cards from fortiva which are XXXX and my XXXX.My problem is, I always had made my payments on time.It seem like everytime I call to make a payment, they tell me I am late.They always tell me I need more money than I know is due.Its gotten to the point where I have lost all hope with these people and have decided to see about working an arrangement of some sort with the Financial Company, and nobody wants to help me rectify the issue.There is such a language barrier when communicating with the company, that I can't make head or tail by what is being said.Please don't take me saying this as being insulting because I believe everyone should have the same opportunity as I in this country. My concern is how I am receiving the information from the customer service reps.I don't have time to sit on the phone and say over and over again " what did you say'.This becomes frustrating. All I want to do, is pay my bill and get the right information when I call.My credit is suffering greatly due to their negligence.I make plenty of money to afford my bills, I however can't afford extra fees on top of my balance because I can't understand anyone to the point of getting my account under control to know exactly what the balance is and when the next payment is due. I DONT EVEN GET A BILL HALF THE TIME.Please I need someone to call me and straighten this out. My word and my credit is on the line, and it is for all the wrong reasons. It's not that I can't pay my bill, it that I keep getting the wrong information everytime I call.Thank you.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

I was denied a small business checking account because I have " fraudulent activities '' on my Chexsystems report. I have no fraud, no bounced checks, no NSF charges, and no late payments. This is hampering my ability to do business and it 's unwarranted. The number that they have listed on their joke of a website just tells you to file a report. Once I finally googled a phone number that let me talk to someone, they were outrageously rude, even swearing at me and hanging up on me twice. They did n't let me speak to management, and said " good luck with your problem, we ca n't help you. '' How is this place allowed to do business? It is an embarrassment for the country to have a " consumer reporting agency '' to be doing business like this. It is costing XXXX people the chance to open bank accounts. Their " dispute '' process is equally embarrassing. If you end up on their list, you 're pretty much XXXX, whether it 's your fault or not.
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2016-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Skagit Bonded Collectors, LLC (WA)

This is with regard to Skagit Bonded Collectors. This collection agency employs my ex-husband. I have requested that, due to my belief that this situation is retaliatory, that they cease all activities and remove the accounts from my credit and their offices. My ex-husband has disclosed the debts to our children, while he was at work. When I wrote a letter of complaint to the collection agency, I received a letter in response telling me they saw no third party disclosure. Unfortunately, I too am a debt collector and know the law. They are not allowed to discuss my debts with anyone other than myself. That includes my ex who not only disclosed the debts to my children violating the law but also disclosed accounts that were placed in his employers office. I am asking that, due to these violations, these be removed immediately from my credit report and sent back to the original creditors as noncollectable due to a conflict of interest.
Consumer complaint received 2016-10-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (UT)

Paypal is actively allowing sellers to take advantage of the friends and family option to scam buyers. I was prompted to buy an item using the friends and family feature from a seller I met through facebook. After not receiving any item of monetary value from the seller, I started to question if I had been scammed. At this point in time, about a week later, others started to come forward and express that they too had been scammed by the buyer. After contacting ebay about this situation, submitting proof of all the wrongdoing by the seller, and submitting an ACH claim through my bank, I was simply told that paypal was unable to do anything. The sellers account has already been flagged for multiple reversals and refunds, my account of 10 years has no history of black marks on it. I have submitted proof of this seller being a scammer, and have been told by other buyers that they were able to get their money back from paypal after this issue had occured to them. I am now stuck without being able to get paypal to do anything about this fraudulent seller being able to use paypal without repercussion. The seller has violated terms and services by prompting the buyer to sell as friends and family. I was duped into using this service and have now been scammed in the amount of {$160.00}. Paypal is taking no steps to get this money back from the scammer and back into my account.
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Gatestone & Co. International Inc. (CA)

I received a call from " Gate Stone '' stating I owed a debt for an XXXX account. I determined that this was identity theft per XXXX directly and confirmed the debt was fraudulent. I requested on XXXX separate occasions a Verification of Debt and they company " Gate Stone '' has refused to provide that. This is impacting my credit score. I have filed a police report and am currently waiting on a response from XXXX Office of the President. I have also requested a Cease & Desist on XXXX separate occasions but continue to receive calls from " Gate Stone ''.
Consumer complaint received 2023-08-30
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. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (AZ)

I took out a couple loans in 2013 against my XXXX XXXX. The following year, due to uncontrollable bills from XXXX XXXX, I had to begin the process of filing for bankruptcy. The past 6-12 months this debt collection company, Retrieval Masters at XXXX, calls me multiple times daily to inform me a lawsuit is being served to me for criminal intent. My Bankruptcy Attorney has tried to call them numerous times, but the debt collection company hangs up on his office as soon as they mention they 're representing me. Last week, this company called a friend I used as a character reference for the loan and told him I committed Internet Fraud, or something similar. They call 6-10 times a day and this has got to stop. Thank you.
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A tax Lien was reported improperly on my Transunion credit report by my counties tax assessor for non payment. The county says that they sent me notices for non payment but never did. The assessor says that they have no proof that any letters were sent and that the letters were not certified. The tax billhas been resolved since XX/XX/XXXX and no lien is reported to the state but shows on my credit file.
Consumer complaint received 2016-09-19
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I paid off my XXXX XXXX account through Portfolio Recovery on XXXX XXXX, 2016 and after several ( XXXX ) attempts to get a Letter of Satisfaction, I have yet to get XXXX AND the debt is still showing on my Credit Report. I have called, emailed and mailed a request for a letter. Every time I call, they say that the letter will be mailed out and I should have it in a couple of days since I live within XXXX miles of the office. I feel that this is " NOT '' a reputable company and I am now out of over {$1500.00}. If I have to subpoena them to court, I am going to ask for my payment back!
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union had a glitch in their system that violated the right of their consumers under Section 6.11. Ask a result I have been greatly affected and my credit score is suffering as result. No notice was ever given which is also a violation. I am requesting that all inquiries during this time be removed.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My Alabama state tax lien was paid and released in XXXX -- Income Tax Year : XXXX Case : XXXX Lien : XXXX However, it 's still showing up on XXXX of my credit reports ( XXXX and TransUnion ). The fact that it is still on my credit reports has caused me to be denied a loan and has also caused my FICO score to drop significantly. Other than this tax lien, my credit is PERFECT. 
I disputed this a couple of years ago but each of the credit bureaus told me that it has to stay on my credit reports for 10 years! 
You should also know that I was n't even aware that I owed the state of Alabama DOR any money. I did n't even know there was a tax lien until I noticed it on my credit reports! Needless to say, I paid it almost right away. 
I have worked very hard to maintain an excellent credit rating and have been a law-abiding and attentive consumer. Yet because of a ridiculous rule, I have to suffer this " punishment ''? When is someone going to start looking at these types of situations and realize that they only hinder the consumer? The whole credit reporting system has been messed up for years. 
I have attached a letter from the Alabama DOR stating that this tax lien has been " paid and released ''. How can I get XXXX and TransUnion to remove this negative item?
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Credit Reporting Agencies : XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under ANY status, as it was never mine. 
I was assured by this debt collector that it would be remove ; however, they are now saying that they will no longer update the credit reporting agencies or contact me any further. This is NOT what needs to be done. This was never my debt and they know that. I was given another alert from my credit monitoring service that it is still on there. It should be completely removed ... not listed as 'closed ' or 'no longer active. ' Please remove XXXX from my credit report, as if it never existed - it was never mind. 
I am attaching a closure letter from this debt collector in hopes that you will completely remove it. I would be very grateful if you could take care of this once and for all. I have a very long history of corresponding with this company, as it seems they keep trying to change the status, after already admitting that it was never mine and completely removing it. 
Please help me put this to rest. This is not my bill and never was. Please completely remove it. 
Thank you, XXXX
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

The Ditech went through a system upgrade on XXXX. I called on XXXX/XXXX/16 to ask why duplicate payments had been made as it was showing payments on XXXX/XXXX/16 & XXXX/XXXX/16. I was transferred to the tax department ( XXXX ) who told me they would investigate and get back to me within a week. No one ever did so I called back a week later and they informed me that the system upgrade ended up causing what seemed to be duplicate payments to the City Tax due XXXX/XXXX/16 but one of these payments were " ghost '' payments and they were n't disbursed or taken out of my escrow account on XXXX/XXXX/16, but the actually only payment that was disbursed by them was on XXXX/XXXX/16 which was the correct one for the XXXX tax bill. I told them I was refinancing and needed the Payoff amount to be accurate, they confirmed it was. On XXXX/XXXX/16 it again shows ANOTHER payment for the tax bill due on XXXX. I called on XXXX/XXXX/16 to ask why another duplicate payment was made. They said they made a mistake when the did the first investigation and found out I was refinancing with another company and they wanted to hurry up and make the payment and it caused a duplicate payment and disbursement. I was told they would escalate the problem and it would be refunded back to my escrow account within 3 businesses days. I called after 2 and was told to call back the next day. I called back after 3 days on XXXX and was told it 's still being investigated and to call back tomorrow. They are showing a negative balance on an escrow account that should have a surplus and the did this knowing I was refinancing and this is causing many issues on the payoff amount.