davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

After Filling report with the Consumer finance about my over all experiences with Bank of America. The Banking Company sent me letter & banking statements in the mail. The letter stated They respectful decline my request for reimbursement. with this in mind, by reading the letter that was send from XXXX on the companies behalf, she did n't really do any research on the account. letter that was sent be to me by XXXX stated as follow, brief summery : ( There was no overdraft fee on the account. or Error/s ). I called in on the date after the funds where taken out of my business account. The agent that i spoke to was very helpful and under standing. The agent lifted the overdraft fee and and place on my account an Cr in the amount of {$150.00}. told me thats all she was allowed to do at that time. I am not sure if she made and case on my behalf for the remaining amount of {$280.00} that I am seeking an Cr for. When XXXX called in, she did n't ask me anything when calling just asked me how i would like to be contacted. I just think morally unjust and wrong the process that was taken after i was told the amount of XXXX was now permanent. They lied to me the consumer. someone that in trusted there money in your home for safe keeping. No matter how small the amount. As I am writing this i cant help but to feel distraught. Feeling unheard as an consumer. The fund where debited from my account with out any notice or letter date when the funds would debited from my account. an this is morally wrong with out and doubt. I would like to say that I am grateful there are banks that allow consumers to use their banking home system for our money safe keeping.
Consumer complaint received 2016-08-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Knight Adjustment Bureau (UT)

This Debt Collector was trying to get money from me that I do n't owe through fraud and false information. They said that I had a credit card with XXXX XXXX XXXX XXXX, they went to court and tried to sue me, the case was denied and they tried again in another court to get garnish my wages, the case was dismissed again a 2nd time, this time, they said it was for a check where all the evidence showed that, I have never owed them anything. I have requested for the Knight Adjustment Bureau to not contact me for any reasons in writing that never stop them from contacting and harassing me over and over. They kept reporting the info as correct to the XXXX credits bureau and regardless of the court orders that it was dismissed and kept telling other bank to not do business with me while they know they are wrong.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit reports from Transunion XXXX XXXX contain a report for a collection for an electric bill that is not mine. The amount is approximately XXXX dollars. I have disputed the address where the company says i supposedly live and obtained this electric bill. The address i believe has been removed but the negative collection has not been which is associated with this address. This light bill is not nor has it ever been mine. I contacted the company directly and the name on the account is misspelled and I never signed or authorized any account in my name with XXXX XXXX XXXX. I 'd like to get this account removed as it is negatively affecting my credit score.
Consumer complaint received 2024-10-25
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. (WA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (AL)

I purchased a new home in XXXX XXXX. This home was in foreclosure and was being double taxed due to it not being homesteaded. I understood this at the time. 
I have paid the doubled tax rate for all of XXXX and have now obtained an estimated tax rate for XXXX from the county tax assessor 's office that is significantly less due to the home now being homesteaded. 
My tax rate for XXXX was {$9400.00}. This decreased in XXXX to {$3900.00}. 
My issue is that my mortgage company refuses to accept this XXXX estimate from the county and will only accept the actual tax bill which does not come out until the end of XXXX. 
So, I am stuck for all of next year paying the XXXX rate even though it is clear that the XXXX rate is much lower. 
The mortgage company says all they can do is maybe get a refund if I pay too much into escrow during XXXX. This likely will not happen until XXXX. 
I feel like they are keeping money that is mine. They should adjust my tax rate based on the estimate I received from the county. The county told me this estimate rarely if ever changes and if it does it would be minimal. I have an overage in escrow already of over {$1000.00}. If the estimate does change I would still be covered. I am paying hundreds of dollars more each month on my mortgage payment than what I should be paying but the mortgage company does not seem to care. 
Can you help with this? 
thank you.
Consumer complaint received 2016-12-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I have a charged off loan with Citizens Bank and I informed them that I wanted a true statement of what I owe to the bank. I feel as though I do not owe the amount listed. I also requested a loan forgiveness due to the fact that the vehicle was not fully operable and there was a significant likely hood that the City would tow the vehicle because it did not have tags. I made the request to donate to charity ( School XXXX ) I was told that they were only willing to initially accept 80 % of the balance. After additional conversations I was told 55 % or make an offer. I made an offer and was told that was not sufficient and when I inquired about the true amount owed I never received a straight answer. I was more or less told that the bank was willing to have a liens placed against my home from the city with the intent to still collect the said balance. I was told if I wanted to escalate this issue I had to write the Office of the Chairman. I received a response from the representative that was in the customer relations department because apparently that is the only way to file a complaint with company. This is a bit discerning because if the letter was sent to the Office of the Chairman and the Resolutions department responded, did the letter actually go to the Chairman 's Office ( if it even exists ). There is no means to reach anyone at the bank and there seems to be a lot smoke and mirrors when customers attempt to manage their accounts. The practices are not consistent and leave the customer to be concerned about it their issue is being truly addressed because the level of deception that the customer is presented with dealing with various representatives that work within the various departments. I would like them to forgive the loan as it is my understanding that once a business charges off the account the Federal government gives them a tax write off. Also companies have insurance to protect them from certain debts. My loan was paid off essentially the day that it was charged off. The bank if very well aware of this. However they still want to collect no matter the circumstances that befall the client. That appears to greed. Without the true knowledge of what is the said true amount owed.
Consumer complaint received 2017-01-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I was a long time customer of Citizens Bank. I decided to close my account because if the bank 's investment policies in 2011. I 'm glad I did because they have not improved their investing standards -- I stand with others removing funds due to Citizens ongoing support of XXXX. I will work tirelessly to convince others to join me in doing so until your institution ceases investing in XXXX XXXX, XXXX XXXX XXXX, and XXXX. I refuse to be a silent participant in your decision to support the destructive fossil fuel economy in general, and the XXXX ( XXXX ) in particular. The XXXX threatens air and water quality and violates sacred lands of the XXXX.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am in fear of losing my home. Wells Fargo has dragged me out in trying to to get assistance for now my primary resident home. In XXXX, the home was vacant, and unable to rent and dealing with squatters. My daughter and her sons moved in to help me save the home. Wells declined my request for a more more reasonable payments and instead we paid an additional {$600.00} a month to get the loan current. After the 6 months, payment was increased again. 
We managed to keep making the payment but it was difficult. My daughters work filed BK and she lost her job. XXXX XXXX, I did the ALL the necessary paper work for XXXX and again Wells denied my request. My daughter obtained new employment but with less pay. XXXX XXXX, I moved in with my daughter and reached out to XXXX to help us. Again did the XXXX and at this time we 're finding impossible with the lower income and child care. We are unable to make payments that are now {$600.00} more than when family decided to move into this home. Children are locked into schools and activities here, we do n't want to lose our home or have to relocate. 
What frustrated us more is the fact Wells has dragged their decision on for so long that by time they decided we will not be able to catch up as in the past. I was told they would have a decision by XXXX then XXXX. I made a joke to XXXX saying do you think by the XXXX then XXXX NOW maybe XXXX. Our lives have been in turmoil not knowing what direction we are going. My family has had enough upset, we do n't need anymore. I feel that because my daughter and I are XXXX single woman with XXXX children that we are not getting help. I was told by XXXX lender it helps to have a mans income to qualify. I am hoping this is n't true. 
We can afford this house, there is no reason why Wells Fargo can not help us. Wells Fargo has been have been very difficult to work with. We have been trying to get a resolution since early XXXX. We would greatly appreciate your assistance.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Innovative Credit Solutions (WI)

They contacted my employer and told them i would be served with a summons at work the next day. They told them i was being sued. When i called they asked for my personal information and hung up when i did n't give them any. They called me the next day and left a message threatening to serve me at my home. I do not know who these people are and they would not tell me what i supposedly owe and to who.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

1. Equifax is well past 30 days past due on a Judgement in the amount of {$620.00} that was awarded to me and is attached. 

2. RE : Intent to file lawsuit, no response for Validation documentation. 
Validation Letter sent to : XXXX A Debt CollectorXXXX XXXX XXXX XXXX, FL XXXX Account ending in # XXXX To Whom It May Concern : Please be advised I have requested " validation '' { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX closed my account, during XXXX, and at the time when I was attempting to make payments. Account was, subsequently, closed as written off, but now I am being sued by a collection agency, XXXX, for a balance, which is more than what I owed Mercury at the time. I take issue with this practice because I did not authorize XXXX to share and/or sell my information, especially, since they have already been paid for this debt as a write-off. Please erase this debt and remove this item from my credit, as well as show paid in full.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

On or about XXXX/XXXX/16, I wrote a check to retailer, XXXX XXXX, which was denied by the retailer. I was told that I would have to contact Certegy directly which I did within a few days of the declined transaction. I was told that I could only be given limited to info over the phone and I had to disclose personal confidential info, e.g., banking info and driver 's license, to them if I wanted a written a response of why the check was declined for processing. I received a response about XXXX which stated the check was declined because " This transaction fell outside of the guidelines Certegy has established for authorization and the second time check was through the same date and time that authorization was declined because " Certegy did not authorize this transaction because our records indicated that the same check or payment had been submitted to us before, and authorization had been declined. '' See first reason check was declined. 

I spoke with a Certegy agent on XXXX for an explanation of why my check did not satisfy their " guidelines '' and was told that said info was proprietary and could not be disclosed. I responded then how would I be able to prevent the embarrassment from having another check declined for authorization if I have no info to cure the alleged defect that does not meet their guidelines. I was not given a responsive answer to this question.
Consumer complaint received 2016-08-07
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Conduent Incorporated (FL)

Eppicard does not want to reimburse me for fraudulent transactions done on my card. I use the card to keep my children 's child support separate from my checking account. I do not receive payments as agreed in the divorce decree. The last payment I received before this incident was on XX/XX/2016. I checked my account online on my birthday on XX/XX/2016 it said that there was a deposit on XX/XX/2016. I called my card on XX/XX/2016 to verify the balance. The automated system said that I had a XXXX balance. I called and spoke to a representative who said that I need to file a complaint which I did. I received the results to the investigation which stated that I am lying and they will not refund my money. I have had an eppicard for 4 or 5 years and have never complained of any mistakes or discrepancies. I complained that someone stole my information and stole the {$89.00} that was support for my children and they accuse me of lying. Realistically the odds of someone stealing my card information and my money is greater than me withdrawing the funds and telling them that I did not. I want my money.
Consumer complaint received 2016-11-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Hello Consumer Financial Protection Bureau, I am an XXXX XXXX veteran currently serving in the CA XXXX XXXX XXXX and prior USAA member who has had USAA products and services in the past, such as mortgage loans, auto insurance, credit cards, checking/savings accounts, and auto loans ; all of which were in good standing. USAA stated that I could no longer be a member after a homeowner 's insurance claim was denied over the theft of personal property from my home. On XXXX, I won a judgement in small claims court against USAA for failing to make me whole ( please see enclosed ) and I was found to have no wrong-doing, however, USAA has maintained that I " misrepresented information. '' Prior to this scenario, I was a happy USAA member for many years and had satisfactorily used USAA products and services without discrimination. I am hoping that USAA will reconsider with forgiveness and mercy so that my eligible family and I can become members going forward. I am requesting to be a USAA member once again with the same membership rights privileges, and nancial resources afforded to other XXXX veterans. I am asking for your help in forwarding this written request to USAA since they have ignored my fax, emails, and written letter. I have high hopes that USAA will consider the USAA XXXX " We stand by you. USAA is dedicated to serving XXXX members and their families by offering more benets than any other major nancial service provider. '' Kindest regards, XXXX XXXX Member # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

My name is XXXX XXXX XXXX. I send in my information about my mortgage and how XXXX XXXX and Ocwen is doing Fraud on my mortgage. I never heard back for consumer Financial If you find any thing that can help me save my home. my number is XXXX have about month before I 'm on the street
Consumer complaint received 2016-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (WA)

I had been a customer with XXXX since 2010 and after many issues with there service, I had canceled it and switched providers. They then sent me a bill which was way to high. Because previously I had paid off my phones. They stated that bill does n't reed right when the phones get paid off and because I switched providers would not allow access to my account to see how it was billed. There letters do not give exact details of how moneys were applied. They also said I had a leased phone in which I disagreed because the representative lied to me about there lease program. After all of the discussion of the bill they sent me to collections with SW credit solutions. SW credit solutions never sent me a letter stating they were collecting the debt and never gave a notice of my rights. They then reported negatively to my credit and never gave me a option to even pay the bill. This whole time I have been willing to pay but was just wanting to pay the fair amount.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (UT)

I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet Experian and XXXX have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.