davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau Transunion, XXXX, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (IN)

Credit card was stolen & used to charge {$1200.00}. Notified US Bank the next day. They said they would investigate & I've called almost every day since this happened on XXXX XXXX. On XXXX XXXX a police report was filed with the XXXX, XXXX police dept. and was assigned a case # XXXX. I gave this information to the US Bank fraud representative. 
Along with my US Bank XXXX XXXX, a XXXX XXXX card and a XXXX XXXX card were also stolen from my husband 's wallet. The thief immediately went to the local XXXX XXXX XXXXXXXX & charged {$1000.00} on the XXXX XXXX card and {$1200.00} on the XXXXXXXX XXXX card and {$1200.00} on the US Bank card. Since this is the same amount that was charged to my US Bank card, I assume the XXXXXXXX XXXX card was denied so the thief presented the US Bank card which was accepted. XXXX XXXX and XXXXXXXX XXXX have reversed the charges but US Bank refuses to. I sent a letter to the main office of US Bank detailing any and all information I could provide. A representative of XXXXXXXX XXXX XXXXXXXX called us the day after this happened to ask for exact amounts of the three transactions. We have not heard back from him. 
My husband & I are both almost XXXX XXXX XXXX and have never shopped or belonged to XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NJ)

[ Barclays Bank Delaware ] [ XXXX XXXX XXXX ] [ XXXX, DE, XXXX ] Re : Account Number : [ XXXX ] To Whom It XXXX Concern, I am writing in response to your recent communication concerning the above-referenced account. I formally request validation and verification of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide me with the following information : XXXX. Assignment Contract : A complete copy of the assignment or purchase agreement between your agency and the original creditor, showing that you have the legal authority to collect on this debt. 
XXXX. XXXX XXXX XXXX : The name and address of the original creditor, as well as the original account number. 
XXXX. Detailed Accounting : A full and detailed accounting of the alleged debt, including a breakdown of all charges, fees, and interest added to the account after it was allegedly assigned to you. 
XXXX. Proof of Ownership : Evidence that the debt was sold or transferred to you, including any documents demonstrating that the original creditor transferred rights to collect this debt to your agency. 
XXXX. XXXX of XXXX : Documentation showing the accurate amount of the debt and the validity of the debt as required by law. This includes all statements or billing records that reflect the original balance and all payments made. 
XXXX. Affidavit of the Debt : A sworn affidavit from an authorized agent of your agency attesting to the accuracy of the debt and your legal right to collect. 
This request is not only for verification but also to ensure that you are compliant with the FDCPA and that my rights as a consumer are protected. I expect a timely response within the XXXX period as prescribed by law. 
Please note that I am specifically requesting this information be sent directly to me and not processed through any automated dispute systems, such as e-OSCAR. It is imperative that you provide the exact documentation as requested above. 
If your agency can not provide the requested information, you are required by law to cease collection efforts and notify all relevant credit bureaus to remove any reference to this alleged debt from my credit report
Consumer complaint received 2024-11-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rosebud Economic Development Corporation (CA)

I checked my credit report and saw there was a debt for a Zoca Loans for over {$800.00} and I have never received a loan from Zoca Loans and with my credit i cant even get approved for a {$200.00} loan so I have no idea how this got on my credit.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one has closed account ending in XXXX on XX/XX/XXXX for unknown reasons & before payments were due. Also there were letters sent certified mail for payment cease and desist until creditor disclosure statement was returned by mail within 30 days. They have defaulted & decided to put a delinquent on my credit profile & is knowingly committing commercial fraud. I have a letter of them honoring cease & desist payments and this has been a problem since XX/XX/2024.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I opened a new XXXX  checking account with US Bank. The product is XXXX XXXX Checking. The product is supposed to be 100 % fee free. Officially, there are no account fees, but there is an " analysis '' fee that they charge to provide monthly account statements. It's {$6.00} per month, {$9.00} to get check copies. Customers can opt out by choosing paperless, and I have chosen to get everything digitally, but I continue to be charged {$6.00} per month. My relationship manager at the bank ( XXXX XXXX at the XXXX, CA branch ) said she can't see why it keeps on happening. I think they do this on purpose, to make it a hassle to call and get a fee credit each month.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Dear XXXX, XXXX, Experian, XXXX, XXXX XXXX This letter serves as a final demand regarding your failure to remove inaccurate records from your screening reports. Despite previous assurances that these records would be deleted, they continue to appear when companies conduct screenings. This constitutes willful misrepresentation and a violation of federal law, including the Fair Credit Reporting Act ( FCRA ). 

Your failure to resolve this matter has already prompted me to escalate my complaint beyond the Consumer Financial Protection Bureau ( CFPB ) to organizations such as the Federal Trade Commission ( FTC ) and legal authorities specializing in consumer protection violations. I am also preparing to involve legal counsel to hold you fully accountable for the ongoing harm caused by your inaction. 

I demand the following actions immediately : XXXX. Full removal of all inaccurate or negative records associated with my file. Cases to Be Expunged ( Case Numbers ) : XXXX XXXX XXXX XXXX ALL OF THESE ARE DISMISSED I DONT OWE ANY COMPANY REMOVE IMMEDIATELY. 
XXXX. Written confirmation that these records have been permanently deleted. 
XXXX. An official acknowledgment that I am opted out of any and all negative reporting. 

Should you fail to comply with this demand, I will proceed with further action, including litigation and reporting to additional federal authorities. This is your final opportunity to resolve this issue without significant legal consequences. 

I expect immediate confirmation of these corrections. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
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. (TX)

I did not authorize these inquiries please remove these inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

my account is close by citibank i called them and said iam getting a letterbin my mail past 2 weeks i havent have any mail grim them! i called the citibank last 2 weeks ago and talked to customer service and they said the checks on the way after 1 week and half i called them again that i havent recieved any check in my mail, and they said it is the check or my fund is under review. 
Now i need my money since they closed it and block all the online account and even when i went inside the bank and asked for help all they said is they cant help me and gave me a number to call which by the way i kept going in circles here. I have bills to pay and i need my money ASAP! They havent responded since XXXX, XXXX. 
i need help here! Citibank is with holding my money for what reasons.??? this is rediculous!
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: M&T BANK CORPORATION (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against M & T Bank for charging multiple monthly fees on my account, which I believe is unfair given the circumstances. 

Due to an extended business trip from XXXX through XXXX, I was unable to actively monitor my account or address the minimum balance requirement during that period. Upon my return, I was shocked to discover that M & T Bank had charged me monthly fees for each of these months, resulting in a significant financial penalty. 

While I understand the importance of maintaining account minimums, the application of these fees in this case seems excessive and lacks consideration for reasonable extenuating circumstances. My inability to manage the account during this extended period was due to business obligations, which were unavoidable and not a reflection of neglect. 

The cumulative impact of these fees is disproportionately burdensome and adds unnecessary financial stress, especially given the short-term nature of the disruption. I have reached out to M & T Bank to request a waiver for these fees, explaining my situation in detail, but have not received a satisfactory resolution. 

I respectfully request that the CFPB investigate this matter and encourage M & T Bank to adopt fairer policies for assessing fees under such circumstances. Specifically, I am asking for a full waiver of the monthly fees charged during my absence and a review of their approach to fee waivers for customers with legitimate extenuating circumstances. 

Thank you for your time and attention to this matter. Please feel free to reach out if further details or documentation are needed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

I recently received a negative mark on my credit for being more than 30 days late with a payment on my HELOC with Umpqua Bank. It is the only negative mark on my credit. I manage my HELOC with Umpqua 's online banking and their system mislead me that I was up to date on my payments. During the one month at issue, my family was in and out of the state dealing with a family medical issue so I was extra reliant on their on-line system. According to their online system, and even when I was apparently late in paying, ( XXXX ) I did not owe any payment ( XXXX ) there was no outstanding payment due and ( XXXX ) my next payment wasn't due until XXXX. I had overpaid in XXXX so I assumed this was due to this overpayment. 

After I received the mark on my credit and raised this issue with XXXX, they sent me a list of phone calls they made. Unfortunately, when they made the phone calls, my wife and I were in the process of applying for a mortgage and I was receiving a ton of marketing calls from banks. Since Umpqua did not leave any personal identifying information, I did not know that the calls were regarding an issue with my HELOC. I completely relied on their online banking system and recall checking it a number of times to make sure I was up to date. 

In response to my complaint regarding the mark on my credit, Umpqua employees told me that they were in the process of updating their online system, in part to address these issues. To my knowledge, these updates have not happened. Also, this information does not address the harm to my family from the mark on my credit. I spoke with multiple employees at Umpqua who reiterated that they understand their online system is highly problematic and that it is in the process of being improved. 

My wife and I have a family business and we heavily rely on my credit. This mark on my credit has dropped my score about a XXXX points. Umpqua can not advertise that they have an online banking system when it is so woefully inadequate to address modern business practices. I am incredibly disappointed in their refusal to amend the mark on my credit and support small businesses like my family 's. I feel that the failed disclosure around the inadequacy of their online banking system, the failure to more quickly update their online system when they knew it is misleading, and their failure to adequately address issues like mine when harmed, are all clear consumer protection issues. Their online system should instead have had a large warning label. 

As soon as I was aware that I was " late '' in paying interest on the HELOC, I again overpaid on the line. I would greatly appreciate if this mark on my credit could be removed and if other consumers could be warned of Umpqua 's misleading online banking system.
Consumer complaint received 2024-11-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC (TX)

They told me they charged it off. but they want me to give them {$300.00}. because they car was in my name. but he got the loans. this is past XXXX years ago. 

They company is Lone Star Title Loans XXXX they call from this number But text me today also from this number XXXX name say XXXX from loan star title my ex name was XXXX XXXX XXXX. they cant reach him
Consumer complaint received 2024-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I need help with my XXXX XXXX credit card, it was closed despite I sent to citi bank XXXX XXXX form on time. Please help me with this issue. Please help me reopen my card, because I did everything on my end.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (NY)

Issue with Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I am filing this complaint to address derogatory account that has been reported on my XXXX credit report by XXXX XXXX XXXX. The account, reported on XX/XX/2023, shows an account balance of {$810.00} and has negatively impacted my credit report. I want to clarify that I do not recognize the acct in question and do not owe the amount stated. Someone fraudulently opened an account in my name has caused me significant stress and has adversely affected my credit score. In the past, I recall speaking to a representative at XXXX XXXX XXXX regarding the fraudulent account that I had never opened. I forwarded my personal documentation, proof of residence upon XXXX request and I thought that was the end of this situation. However, according to XXXX XXXX XXXX  derogatory remark was placed on my credit report. I contact XXXX and forwarded a letter and XXXX XXXX reply stating contact XXXX. I did and spoke to representative name XXXX. Upon answering her questions I am not the person who open the account. She indicate to speak with XXXX about the credit reporting. This is unfair, stressful, and interfering with my credit report and reported derogatory mark. According to XXXX XXXX  XXXX  it clearly states Sunrise Credit Services , Inc reported the derogatory. They need to be held fully accountable and no one at their office is accepting the responsibility as to who contact XXXX.
Consumer complaint received 2024-11-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (PA)

I moved out of XXXXXXXX XXXX  in XXXX, Pa in XX/XX/year>. In XXXX XXXXXXXX, the apartment complex refunded my complete security deposit. They didnt report to me any damage that I was responsible for. Again, they refunded every XXXX of my security deposit. Then in XX/XX/year>, I received a letter from National Credit Audit Corporation stating I owed {$2700.00} in damages. I have videos from when I left the apartment. I have attempted to engage with the credit agency to remove the report on my credit report. It continues to be on my report despite proof that I do not owe the money.
Consumer complaint received 2017-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (NY)

Complaint for attempts to collect fees paid at time of rendering services by XXXX XXXX XXXX XXXX XXXX. ( several years of attempts! ) After being bombarded with collection agency notices for five separate {$30.00} fees from nearly a decade ago ( total {$150.00} - {$180.00} ), I contacted the company and told them these fees / debt was paid at the time of services being rendered. The attempts to collect increased as they did not even attempt to appear to verify my assertions that these were paid at time of rendering. The attempts by XXXX, a debt collection agency, increased and now phone calls were added. I dug through my old records and found the appropriate records of these payments. I next contacted the medical facility were the services were given and fees paid for by myself. This required over an hour of digging through records, organizing them and contacting the provider, XXXX XXXX XXXX XXXX XXXX ( now operating as XXXX XXXX ) spending nearly a quarter hour with them and their many, many phone transfers, delays and more as they tried to find someone who would address my situation. I was able to eventually speak to someone in accounts that had relevance to my collection harassment basis. I cleared up the matter and emailed/faxed copies of my payment receipts from the dates noted for " collection. '' They agreed these records show the payments their records failed to reflect. Their records were flawed, not my payments. Fortunately, I keep records or I would have no evidence of payment. Their collection attempts began again in a most harassing manner. I have had to put several hours into dealing with their incompetency in record keeping and the average person would have to pay them again and again for the same debt. They appear to use old debts that are difficult to validate payments and insists they have not been paid. Their repeated efforts, even after proven paid, indicates a nefarious behavior on the part of the collection agency, or worse, or a callous indifference to the public at the least. Their incompetency has cost my several thousand dollars in lost time, and untold costs for their repeated efforts based on incompetent records, all of which hyper inflates health care cost in this microcosm, multiplied nationally and were talking $ billions and hundreds of thousand son people losing time, personal or productive, It is their time, it is my time. <P/>When a company continues to harass a patient for fees long paid, something is terribly wrong with the administration all the way to the proles blindly making debt assertions, damaging the public and the individual, this time it is me.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I obtained a mortgage from Citibank for my home. I decided to use Citi for my mortgage because of a promotion they offered where they said that if I kept a minimum balance in a checking account they would reduce the interest rate by 1/8 th of a point ( percent ). They never applied the promotion that they promised. In XX/XX/XXXX, they sent a letter to me acknowledging that the interest rate discount to which I was entitled was " inadvertently not applied '' to my loan and they offered a check which would retro-actively reimburse me for less than 5-years of the amount that I had incorrectly been asked to overpay. In addition to not including any interest on the money they had unfairly collected, they have refused to apply the 1/8th of a point reduction to the ongoing interest rate that they have already admitted in writing that I should be receiving. This is totally unfair and I contacted the company to explain my position 3 times over the past 3 months : once at the local branch, once by phone and once by an escalation person that called back when I said I was not satisfied. In each of these conversations, the representative said the same thing : that I was correct that I should have received the lower interest rate but that they were not going to correct their error for any of the remaining 25 years on the loan. This represents a bait and switch theft of over {$31000.00} from me by the bank 's admitted wrongdoing.