davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

When on XXXX XXXX I repeatedly tried to submit an online dispute on Citi 's Searscard website, it kept deleting the information XXXX TIMES. The seventh time it SEEMINGLY accepted my complaint. But, SearsCard has not recorded the complaint on my account, nor responded to me. Again, earlier today, I tried to resubmit my dispute, but XXXX times the bank 's website deleted my information. On the fifth try, it SEEMINGLY accepted it. But, still nothing shows up on my account. nor has the Bank acknowledged my dispute. I suspect that Cit SearsCard intentionally sets its software to reject disputes for a certain percentage of accounts. My dispute is " '' Missing XXXX items ( coffee mugs ) listed in the description ... .Basket has sharp edges.The merchant admitted that the shipment did not include the missing items. The merchant blames the mistake on its supplier in XXXX. The merchant keeps lying over each of the past four days, saying that a new shipment was sent, then saying that it was not sent, then saying that the XXXX supplier would contact me, then telling me to contact the XXXX supplier - I have no idea who the hell is the merchant 's supplier. The merchant promised to issue a full refund. Now, it wont. This is big FRAUD by SEARS. ". But, being blocked and or ignored by the bank, my dispute is not handled by the Bank. This is against the public interest.
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IL)

Approximately a year ago, around XX/XX/XXXX or XX/XX/XXXX, I called Citi Cards to set up an automatic payment plan to have them automatically take out payments from my bake account. They told me that I could not because my account was closed. I also requested they send me paper statements via mail so that I can monitor my account, since they do n't allow closed accounts to access their accounts online. I was told me payments would be {$60.00} a month, so that is the amount I set up to payments with my bank to send them. I would call from time to time to check on the status of my account, but would not ever be able to speak to the correct person and would be transferred from person to person. I would get hung up on and put on hold for hours at a time. I was told in XXXX XX/XX/XXXX, they only received a payment for {$20.00} dollars. Which I am unsure how it was only that much as I am pretty certain I never adjusted the amount with my bank. When this happened they started charging me late fees. I never knew anything was wrong with my account and that I was accumulating late fees as I have still never received a single statement nor did they call to inform there was a problem with my account. And as previously mentioned, every time I tried to contact a person to confirm their record of my balance matched my projected amount I was unable to make appropriate contact. They refuse to adjust my balance to the appropriate amount and continue to transfer me around and hang up on me. If I had the means to properly manage my account I would have been able to properly pay a single late fee and be able to keep my account at the proper balance. This whole process has caused me to accumulate almost an additional {$1000.00}.
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I received a letter in the mail from Macy 's stating that it 's attempt to email me my monthly statement was unsuccessful because the email was returned as " undeliverable. '' The email address that Macy 's listed in its letter is in fact my email address, and I have never had issues receiving emails before. The letter from Macy 's was sent to me after the due date of the bill. Macy 's made no attempt to contact me by phone or by mail prior to the due date to advise me that it was having issues emailing me my statement. In light of the fact that Macy 's notice to me was sent after the due date of the payment, combined with Macy 's failure to contact me prior to the date, makes it obvious that Macy 's is engaging in illegal behavior. While I have no way of knowing how many other people against whom Macy 's engaged in this scheme, I hope that the CFPB will receive other complaints and will respond with the appropriate measures that the CFPB has successfully used against other creditors who engage in similar deplorable behavior.
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MI)

IN ERROR ON MY PART ... MY {$35.00} MINIMUM PAYMENT WAS NOT PAID ON DUE DATE XXXX/XXXX/15. THE COMPANY E-MAILED ME THAT MY MINIMUM PAYMENT FOR XXXX/XXXX/15 WOULD BE {$100.00}. I CALLED THE COMPANY EXPLAINED..I SEE THAT I DID NOT PAY ON THE XXXX/XXXX/15 WAS AN OVERSIGHT ON MY PART ... I PAY ON TIME EACH AND EVERY MONTH. THE COMPANY INFORMED ME THAT THERE IS {$35.00} LATE FEE FOR NOT PAYING ON XXXX/XXXX/15 BUT THEY WOULD WAIVE THE MINIMUM PAYMENT {$35.00} LATE FEE BUT MY MINIMUM PAYMENT WOULD INCREASE TO {$70.00} DUE TO MY OVERSIGHT. payment was paid today XXXX/XXXX/15. 
This seems an unfair practice and trickery to me. 
I would like to ask can these companies make up rules as they go along. I am XXXX years old and made an error. 
T his is unfair to a loyal and faithful customer who erred and paid 9 days late. 
When I make a minimum payment of {$35.00} the interest charges were $ XXXXit appears that the interest charges are enough to compensate for any error for late payment.
Consumer complaint received 2024-11-13
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. (MD)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX  XXXX - XX/XX/XXXX
Consumer complaint received 2015-11-14
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SYNCHRONY FINANCIAL (TX)

I, XXXX, received XXXX collection letters from XXXX XXXX XXXX where they are showing the bar code in plaint view for anyone to see. 

To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the XXXX Code. 

Showing the " XXXX Code '' is a FDCPA violation of section XX/XX/XXXXf ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me three options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL, and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me " Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas XXXX XXXX. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX, XXXX, the same bar code matter went before the court and the Defendant debt collector lost in the Memorandum that came out in XX/XX/XXXX. 

In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself.
Consumer complaint received 2024-11-21
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2015-11-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: OLD NATIONAL BANCORP (IN)

I have a Checking Account at Old National Bank. The balance in the Checking as of yesterday was a positive {$1.00}, but after looking today the account balance shows a negative balance of- {$5.00}. Old National bank did not inform me of the Service Fee that they apparently took out on XXXX/XXXX/2015. The account also did not have any overdraft protection which meant that the account would not go into a negative, but now however the bank got me in the negative.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

In 2013, I received a Form XXXX Cancellation of Debt from XXXX XXXX XXXX XXXX for a credit card. I paid the taxes associated with this amount on my XXXX 2013 income tax return. This amount was charged off by XXXX. Currently on my credit report the " Recent Balance '' states {$25000.00}. This is incorrect. The balance should be XXXX. The balance of {$25000.00} needs to be removed.
Consumer complaint received 2015-11-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

School : XXXX XXXX University - XXXX GANavient is refusing to reverse late fees they charged on my account when they erroneously reported me as delinquent despite me faxing/emailing my school enrollment confirmation. However, they reversed the delinquent charges but refuse to reverse late payments fees. I have always been in graduate school and have never withdrawn or taken a break and Navient have the documentation to support this.
Consumer complaint received 2015-11-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have never had an account with Portfolio Recovery Associates , Inc . 

2 ) Portfolio Recovery Associates XXXX Inc. and I have never entered into any type of written agreement. 

3 ) Portfolio Recovery Associates, Inc. has never presented me with any goods or services. 

4 ) The account referenced by Portfolio Recovery Associates XXXX Inc. is long past my State statutes. ( If this applies ). 

5 ) I have never done business with Portfolio Recovery Associates , Inc .
Consumer complaint received 2024-08-14
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. (NV)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  XXXX Account XXXX Date of Charge XXXX Amount : {$0.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2015-11-14
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Altisource Portfolio Solutions, S.à r.l. (TX)

I, XXXX, received XXXX collection letters from Nationwide credit Inc. where they are showing the bar code in plaint view for anyone to see. 

To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the Bar Code. 

Showing the " Bar Code '' is a FDCPA violation of section 1692f ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me XXXX options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL, and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me " Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas Finance Code. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX, XXXX., the same bar code matter went before the court and the Defendant debt collector lost in the Memorandum that came out in XX/XX/2015. 

In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself.
Consumer complaint received 2015-11-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NJ)

ComplaintDescription of the complaintOn XXXX XXXX, 2015 I received a letter from them that my mortgage has been transfer to another company and they do not give me information on the company and why are they transfer my mortgage who gave them the right to determine who I would like to be my mortgage company please investigate Wells Fargo Home Mortgage to ensure that the are following United States Federal Regulations and any misconduct and mismanagement all individuals involved be convicted according to United States Federal LawHow complaint can be satisfactorily addressedI would my Mortgage to remain with Wells Fargo and if I wanted a different mortgage I would request when do the bank tell you who got to do business this was my choice and my right as United States Civilian
Consumer complaint received 2015-11-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I requested Wells Fargo & Company cease sending me unsolicited marketing and account messages after my account was closed nearly XXXX years ago. Wells Fargo & Company acknowledged these requests and stated that I would no longer receive such emails. 

However, Wells Fargo & Company continues to send me unsolicited mails in violations of California Law and Federal Law.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OK)

i filed chapter XXXX XX/XX/XXXX but dismissed it XX/XX/XXXX XXXX says it stays on 10 years from XX/XX/XXXX but other reports from other agencies says it should go off in 7 years i read on internet also saying 7 years transition and XXXX already took it off what is the law for chapterXXXX
Consumer complaint received 2015-11-14
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NV)

we have learned the debt collector, XXXX XXXX, aka a criminal atty and unlicensed in the state of nevada never validated the debt since XXXX according to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXXhere is the timeline:XX/XX/XXXX they filed a complaint in court as per attachedXX/XX/XXXX they served someone named XXXX in a gardenXXXXXX/XX/XXXX they filed the affidavit of serving someone named XXXX in a gardenwho was not methe judge noted in the minutes and transcript this is not proper service and often clerks just file things as they are presented without looking at anythingXX/XX/XXXX they obtained a default judgment by filing an affidavit serving XXXX without proper servicewhen i was not in town from XX/XX/XXXX through XX/XX/XXXXon XX/XX/XXXX i telephoned XXXX XXXX office, i asked them what this is, what is this for what are the amounts and charges for date of last payment etc ... i was put on hold and switched around several times and then told no need to answer ... they 'll take care of iti mailed and faxed to XXXX disputed the amounts and requested validation on XX/XX/XXXXi never heard from them ever again until 4 1/2 years later when a phone call from a XXXX at XXXX telephoned 3 times and hung up ... on my voice mail without identifying himself as to why he was calling. i have it on my machine then a letter was received dated XX/XX/XXXX received by a receptionist XX/XX/XXXX at a company that i am not an employee of ... along with demands for payments in amt of XXXX along within the demand and threats that strangers are responsible for this debt and if they do n't comapy there is jail time it noted my entire social security number and my name ... which i understand is a breach of security and violation of nrs 239 statutes as well as a federal statute ... i have that statute written down that it violated. 
since then i have received mail addressed to my property in the name of XXXX towing companies that are being offered lines of credit. i have had to put a fraud alert on and so far several charges have been made that are not mine. 
i have learned the towing companies are out of XXXX and XXXX ... i looked up these companies that are using my property ... several consumers made XXXX videos stating their cars were being seized illegally by these same companies that are using my property and address. 
i wrote to the the atty general office they said they got my info from the chamber of commerce. i went to see the president of the chamber he said the towing companies are not participating in the chamber events and apologized. and their information is not in their system anymore.
Consumer complaint received 2015-11-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (PA)

I was talked into a commercial savings account and a personal checking account when I had large cash on deposit with M & T Bank. I was informed that I would make more interest earnings this way and that was the best suited for my needs. It turns out that the combination of accounts was best for the bank manager 's bottom line. The " fine print '' was truly fine print that I could not read with reading glasses, but learned over months that the bank did not care about me as a customer. When the cash dwindled, bank treatment of me as an individual also disappeared. Now I do not access to the " secured '' correspondence on their website to prove the agreement I had with a regional vice president that would have solved this entire complaint back in XXXX 2015. This high ranking bank officer would not answer my follow up correspondence, by being absent on the solution, the wrongful fees were turned over to an in-house collection employee in addition to listing me with a banking industry credit " bad list ''. I 've been banking with M & T for close to 50 years and NEVER got such bad treatment or this kind of threatening action that other financial institutions ( if not credit bureaus ) will deny me checking & savings accounts, when they see my name. I want M & T Bank to come back to the agreement reached by the Regional Vice President and me back in XXXX, remove the bank fees that are outlandish by nature of the types of accounts forced into, and the Bank being prohibited from listing me with that all credit bad lists. When evidence is shown that their employees misled me on the advice I sought for following the account rules, I should not have any charges fee against me on the multiple accounts. I would also request that some of bank employees be coached or reprimanded on their mis-information and their non-action on my requests to cancel ACH 's that seem to only benefit the receiving vendors.
Consumer complaint received 2015-11-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

My complaint is against a finance company called Santandar Consumer US. This company has placed a 30 day deliquency mark on my credit file in error and refuses to remove it. XX/XX/XXXX I was unable to make my monthly car payment so I rolled it over to the next month. My payment was made on the due date of the following month to ensure it would not be 30 days behind. XX/XX/XXXX my spouse and I decided to purchase our first home. When our credit was pulled there were no deliquencies reported and everything was great. About 3 weeks before settling on our new home ( XX/XX/XXXX ), our mortgage company informs us that Santandar reported us 30 days deliquent XX/XX/XXXX. When I called Santandar to resolve the issue they informed me that my payment was 30 days late even though I made the payment on the 30th day to bring the account current. I can not understand how the account could be late when it was made current on the 30th day. I ask them to provide me a copy of the original agreement with them explaining how payments are applied and when accounts are reported to the credit bureau. The representative informed me they did not have that paperwork since they purchased my loan through XXXX. They said it is not their policy to send that information to consumers when they are converted from another bank. I asked to speak with the credit reporting dispute department on this same day. I spoke with a manager named XXXX who informed me that there was no record of Santandar reporting to the credit bureaus since XX/XX/XXXX. I asked XXXX for a letter or some type of documentation confirming what she said. She said Santandar did not have any letter like that to send to consumers. This company is fraudulently reporting information to my credit bureau. As a result my family is in jeopardy of losing our home. They reported the deliquency 60 days late and now refuses to work to resolve the issue. I have asked several times for a copy of my contract with them explaining how payments are posted and their policy on credit bureau reporting, but they refuse to provide me that information. All I want is for the mark to be removed and a copy of the contract with Santandar!
Consumer complaint received 2015-11-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: N.A.R., Inc. (CO)

Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.