davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (DC)

I have a loan pending with XXXX for a refinance. Since XXXX, XXXX inquiries have been made by XXXX and Equifax Mortgage Services on behalf of XXXX. 
I never authorize excessive credit checks by XXXX and Equifax Mortgage Services on behalf of XXXX. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files ( XXXX, Equifax and XXXX ). Thank you.
Consumer complaint received 2024-08-28
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. (GA)

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. Specifically the accounts that has been deleted but gets added back every time I order a new credit report.

I must stress that the continued deletion and re-reporting of this account is not only inaccurate but also in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically section 609. The FCRA mandates that credit reporting agencies maintain accurate information in consumers ' credit reports.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-01-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (MD)

just got off the phone with a representative named, XXXX. I explained that I received a fee and that it was unfair that I got such fee having requested for overdraft protection and that since my account was new if she would be willing to check into it and possibly refund me over the phone without having inconvenience to go in the branch. I ca n't just take off from work when I please for personal business. Nonetheless, she said that she would try and link the account but, turns out she could not since the account was so new. This is really a shock to me and I do not have money to give away. The money was there and I do not have a debit card yet, as it was promised 3-5 business days. I have never experienced such poor customer service for a mistake that was clearly not mine. I am sure policy does not require such treatment be this was as well. EFT was only used because I did not have a temporary card of some sort to use to have come out right away. Lastly the check was written in hopes of overdraft taking affect and now they want to keep my money, where there was no intentional wrong doing on my behalf.
Consumer complaint received 2016-11-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (IA)

We had an accident that totaled our vehicle. The driver and her insurance company, XXXX XXXX, accepted full responsibility. We came to an agreeable settlement with the insurance company. We had our loan with Wells Fargo and had only had the vehicle 2 weeks prior to the accident so no payment had been made yet. XXXX XXXX dealt directly with Wells Fargo and XXXX XXXX called and left me a voice message saying that they had been paid in full and that we would be receiving the remaining amount the next day. After a couple of weeks we received a letter in the mail from Wells Fargo stating there was an outstanding balance on the loan of {$1300.00}. We called XXXX XXXX and we were told that they had a Letter of Guarantee from Wells Fargo Dealer Services stating the payoff amount of {$16000.00}, however the amount of {$15000.00} was what was listed below and stating that by signing Wells Fargo Dealer Services agrees to accept a check for {$15000.00}. XXXX XXXX said that was what Wells Fargo quoted them for the payoff amount that was needed which is what XXXX XXXX sent them. After several failed conversations with customer service reps we were connected with the president 's office and XXXX XXXX. She said she would check into it and contact us in a week. That was 2 weeks ago. I spoke with her today and she told me the same thing she did 2 weeks ago, that she could n't make any decisions and would contact the insurance division of Wells Fargo. The Letter of Guarantee was signed by XXXX XXXX of the Insurance Division on XX/XX/2016. We have now received XXXX payment notices. We have the letter of guarantee, the settlement letter from XXXX XXXX along with any other paperwork needed on this matter. We are not getting any resolution in talking with Wells Fargo Dealer Services and XXXX XXXX claims that they have done their part and are no longer responsible for the remaining balance. Wells Fargo Dealer Services has told us that we are responsible for the remaining balance but will not give us any reasons for the shortage on the original amount. We want this matter resolved between Wells Fargo Dealer Services and XXXX XXXX and our account completely cleared of any remaining balances.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MA)

1-Citi Bank who services Macy 's Credit Card continues to email me my statements without my permission and despite my contacting them numerous times to stop. 
2-Since Citi Bank has been serving my Macy 's Credit Card, they do not follow the agreed upon terms of 30 days revolving and the dates fluctuate from 28-34 days by doing this my payenents are n't applied correctly resulting in late fees ; Citi Bank also accepts the payment on time online then purposely drop the payment resulting in late fees
Consumer complaint received 2016-09-10
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NC)

I first noticed a transaction of {$120.00} was taken off my Rush Card, on XXXX/XXXX/2016. I went back as far as my phone would allow. I saw the same transactions in XXXX, XXXX and XXXX. I tried to contact Rush Card. They no longer have customer service. I also checked my statements on line, there are no records of these transactions. Any assistance you can provide will be greatly appreciated. XXXX
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

XXXX : XXXX Select Portfolio Servicing, Inc. sent to my PERSON an admission of guilt of violating the financial privacy of a customer. SPS sent to my PERSON previously private and confidential loan documents of another customer to include a Promissory Note. I still have these items in my possession. Promissory Notes are negotiable instruments and subject to all applicable federal laws. 
There is a high probability that Select Portfolio Servicing, Inc.has also illegally violated my financial privacy and distributed my private and confidential information to other entities. We already know that they sold my monetary instrument and committed mortgage and securities fraud.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please review all the comments in the previous complaints fromTransUnion. Trans Union has been arbitrary in their research and assistance and just did not provide any fair form of adjustment in the wording of the account in dispute. Due to the length of time, I think Trans Union should not penalize me any further by reporting information that is wrong and of which they do not even understand what the court decisions assume has be completed by the attorney in the case. It appears that TransUnion did not investigate my complaint and faked having irrefutable information in support, refused to provide a copy of the irrefutable information which delayed my search, restricted communication to prevent proper investigation of my dispute from XXXX. I found the correct information that was the irrefutable proof I had a legitimate dispute. A copy of the certified letter I sent to Trans Union is attached to this complaint.
Consumer complaint received 2017-03-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied Collection Services, Inc. (Nevada) (CA)

Allied Collection Services , Inc, failed to respond to my Debt Validation Letter Request regarding the collection they reported to credit reporting bureaus, failed to provide the needed information for the debt validation. All you provided was just the cancelled/violating consumer right contract which XXXX did not perform, nothing else, and you failed to provide CREDITOR/DEBT COLLECTOR DECLARATION, the form in the Debt Validation Letter Request which you are obligated to provide within 30 days pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (CA)

I paid off my Discover card on XXXX XXXX, 2016 and called them shortly after and asked them to close the account. The balance was paid in full and they closed it on XXXX XXXX, 2016. Nobody told me I should check back to see if any new charges appeared. The account was closed and I forgot about it. To me closed means CLOSED! Apparently that was n't the case though. A new charge of {$28.00} appeared on the account for what they later told me were interest charges. Around the XX/XX/XXXX I got a letter in the mail saying I owed {$120.00} on the account. I called them about it and I was livid. They had tacked on late fees and reported me for 30 and 60 days late on the account. They took the fees off and I paid the {$28.00} which had somehow magically appeared on a CLOSED account. My credit report shows absolutely NO late payments on ANY of my accounts EVER, and because of the 30 and 60 days late reported on a lousy {$28.00} charge that I was n't even aware of, Discover dragged my credit score down from XXXX to XXXX. This is not right. I called them about it after I ran my credit score and found this out, but they said they would n't remove the 30 and 60 day late reports on my credit.
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CAINE & WEINER COMPANY, INC. (CA)

XXXX SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (TN)

I have never received any letters or contact from this company it just showed up on my credit report.     I have no clue who they are and have no contract or such with them.      XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  I tried disputing through  XXXX  but was told updated and that was it
Consumer complaint received 2017-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax/XXXX Credit Reporting Agencies Credit Report DatedXX/XX/XXXXUpon receipt of credit report datedXX/XX/XXXX, I noticed I have a " Derogatory public record or collection record '' contributing to my FICO score and I would like the detail of the this record. I have no knowledge of this problem and I would like to go back to originator of the comment and determine if an error has been made. In the event that remark is accurate, I would like to resolve amicably. <P/>I have called Equifax and XXXX on a multitude of occasions and have yet to speak to a human being or get any detail related to derogatory mark. <P/>I have attempted to use Equifax Online Dispute page ... .only to find the website complaint page unresponsive ... ie. after entering my data, I select submit and nothing happens. <P/>I am quite frustrated. Thank you for your assistance.
Consumer complaint received 2016-11-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KeyBridge Medical Revenue Management (OH)

Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT XXXX - {$87.00} XXXX. ACCT XXXX - {$100.00}
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX hereinafter referred to as XXXX ' ) offers the Membership Rewards program, a loyalty program that allows customers to earn points. XXXX allows customers to transfer their points to various airline and hotel loyalty programs at a XXXX ratio. 

I reviewed my account and saw I have XXXX available points. Based upon the points being listed as available, I began to make tentative travel arrangements and other plans. 

On or about XXXX XXXX, 2016, I submitted an online request on XXXX website to transfer a portion of my points to my XXXX XXXX XXXX account, but I received an error message and a prompt to call customer service to complete the transfer. 

Accordingly, I called XXXX and and was informed for the very first time that my points were actually not available for use. This is in direct contradiction of the points being listed as available on XXXX website. I was told that I could not use or transfer any of my points for 6 to 8 weeks. 

I feel this time is extremely unreasonable and destroys my opportunity to travel during the summer. Prior to attempting to use my points, I was not notified that my points would not be available for use. Further, XXXX continues to extend time-sensitive targeted offers to me to encourage the use of the points, thus reinforcing my belief that they are available. I just paid a {$450.00} annual fee for the card and the service I 've received is unsatisfactory. 

I am seeking the immediate availability of my XXXX Membership Rewards points to use for transferring to an airline partner on my account.
Consumer complaint received 2016-11-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I just noticed that i get charged an interest rate charge for making a payment transfer from my checking account into my credit card account ( online, both accounts are with BOA ). 
For the past 8 months or so ive been paying a regular {$150.00} a month into my credit card. Thinking everything is ok i never really checked unit today, turns out the actual value of my payments were only {$50.00} because the other {$100.00} have been charged to me as a transfer fee. If thats not stealing, I dont know what is. 
What is the point then of having multiple accounts with this bank if you CAN NOT use them with each other? BOA always makes that argument, saying it is good and beneficial to have multiple accounts with them. This proves that this is a lie of theirs and that they are crooked thieves. I might as well have an account in a different bank and pay from that bank into my credit card, that way their transaction fee is justified. 
Most ridiculous thing i have ever heard, I wish i was not banking here anymore. 

Yes some might argue that I should have read the policy or that i should have been checking from the beginning, its not the banks fault. I would say that is why the USA is the way it is, you keep supporting crookedness. 
I did what almost all Americans do, I did not read it true and did not check, but that does not make it right. BOA even makes it so clever and easy for you to be charged this fee, online they 've placed a button that says make payment, once you click it easy lets you select what accounts you want to pay with, and I always choose checking, well this grants you this so called interest transfer fee. 
If was told about this fee when applying for it, because there was an agent there whom helped me and answered all my questions, I would have never opened the CC account. 
Like i said Most ridiculous thing i have ever heard, I wish i was not banking here anymore. I will pay off as quick as I can and get out of this bank. 
Thank you BOA, you 've finally proved to me you are the worst and to think i ve been with you for over 11yrs.
Consumer complaint received 2016-10-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates are attempting to collect a debt that isnt mine. They claim I owe {$490.00} for a XXXX XXXX card that isnt mine. I share the same name with my father who passed away last year and I know he was going through financial hardship. I truly believe to the best of my knowledge that he is the one who owed that debt, not me. They have place a collection account on my XXXX and XXXX credit report.
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

My loan was transferred from XXXX XXXX XXXX XXXX to Nelnet. Nelnet says this happened in XX/XX/XXXX, SC student loans says the last info sent was in XX/XX/XXXX. I paid off the entire balance to Nelnet in the amount of XXXX on XX/XX/XXXX, & because I paid the loan after XXXX on XX/XX/XXXX, I also had to make payment for the next days interest which was less than XXXX cent. ( I will have to pull bank statement to determine exact amount of interest paid with the second transaction ). Almost 3 months after the payoff, Nelnet sent me a statement on this account stating I still owed {$60.00}. I called immediately since this was already paid off. Nelnet told me at that time that it was the last payment still owed, as they did n't take last payment with the transaction. I was sent to a supervisor who told me the same. I argued that because I was sent a statement that it was paid in full. I was getting so frustrated that we had to end the conversation before it got nasty. I called back a few weeks later hoping to get somewhere with them before the due date of the payment they claim I still owe. At that time, I was told that XXXX XXXX XXXX XXXX ( XXXX ) had sent a statement of fees still owed on the loan to them & that it was NOT the last payment withheld from payoff as I was told before. I asked for information to contact XXXX about this because I was n't aware of any fees. I called XXXX who says they have n't sent anything to Nelnet since XX/XX/XXXX. Something sounds very suspicious and I want to know where this balance came from because I feel this is bogus charges & they ca n't seem to get their story straight about where the balance came from. If I owe, and they can prove the charges legitimate, I will pay. However, I do not have money to just give away for some bogus charges they came up with and ca n't explain how they got there. They have had me going around in circles from Nelnet to XXXX and I 'm not getting a straight answer from Nelnet. **I ca n't put my hands on the paid in full receipt because we have alot of stuff boxed up to move, but the attached file is a statement sent in XX/XX/XXXX that I owe {$60.00} & states the amount I paid off and the date it was paid off. I have bank statements and I hope Nelnet will still have a copy of the phone conversation on XX/XX/XXXX when I spoke to a representative to give my checking account information to pay off the loan. When I unpack at our new home, I will gladly send in the paid in full receipt.