davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

condense into complaint ending XXXX new issue barclays i have requested to SPEAK to someone to explain why reduction in my credit and raising aprs is not justified violates my rights and now they are not crediting my payments... they are on hold wont accept i can explain and its not based on a bad record payment wise. so i will expect someone in authority not a ROBOT. to request times to speak to me i wont accept all this especially since any conclusion made about me is likely inaccurate as to my credit or standing. 
or more info is needed so i let them know and like XXXX the ball is dropped its a ONE SIZE fits all world i requested appeal reconsideration of reducing my credit. and everything else holding payemtns all of a sudden after XXXX  years when i have no bad record. Further i have emailed written letters i just get ROBOT letter responses to call. 
i have. i get the run around as to the email customer service its a JOKE. it it horrid its like talking to the wall. they do nothing refund my interest. WHY>>>> all the misinformation i got froXXXX XXXX XXXX XXXX to being lied to about my card being sent in 2 days.

this bank does not adovcate for its customers and as such i am reducing my use considerably. do all and add to complaint as to XXXX  first i am told its in FRAUD since most of the money charged was unauthorized no consent then i hear nothing i get no response from the company who are CROOKS and who will be used on breahc of contract and decepitve business practices then i get letter charging me back for it.no no no no not in a world with rules like ours. pls add to complaint dont send useless script one size fits all deepending my cynicism in the human race. resolve all i wont let XXXX charge go further i need to know nj courts and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  needs to be refunded but this bank operations are poor and there is no advocacy request appeal of holding payments increased apr and taking my credie if you SPEAK to me since you have no basis to do this REALLY you would know more sometimes AUTOMATICITY fails why do i have typos? XXXX XXXX made worse by this.
Consumer complaint received 2024-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc. (GA)

I am filing this complaint against Essex Mortgage due to their failure in processing my mortgage payments and the subsequent miscommunication that has led to undue stress and potential damage to my credit. 

Background : After Essex Mortgage moved their headquarters and updated their website, my mortgage payments began to be flagged by my bank 's fraud filters. This was unexpected and unprecedented, as payments to Essex had always been processed without issue in the past. 

Detailed Incident Timeline : The last week in XXXX : My payment for XXXX was flagged by my banks fraud filters. Unaware of the issue, I attempted the payment multiple times. 

XX/XX/XXXX : Spoke with a manager at Essex Mortgage. I was informed for the first time that Essex was aware their changes could cause issues with some banks ' fraud filters. 

XX/XX/XXXX : The Essex manager promised to process the payment on this date, despite my request to handle it immediately. I was assured this delay was to ensure the updated information would clear the fraud filters. 

XX/XX/XXXX : Received communication from Essex Mortgage stating they would not process any of my payments. This was in direct contradiction to the assurance given earlier that the payment would be processed post-miscommunication resolution. 
Impact and Issues : The change in Essex Mortgage 's processes and the subsequent miscommunication have directly led to delays in payment processing, causing significant personal stress and the looming threat of a negative credit report impact. 

The inconsistency in communication and their failure to follow through on assurances have exacerbated the situation ; along with long wait times and not returning calls. 

Additionally, I am deeply concerned that Essex Mortgage 's recent actions might constitute a form of bullying or retaliation in response to my raising these issues. The sudden reversal of their initial agreement to process my payments, coupled with the lack of communication and their unreasonable demand for a letter from XXXX XXXX, give me reason to believe that I am being unfairly targeted. This perceived retaliation is not only distressing but also completely unacceptable in a professional setting. I urge the CFPB to consider this aspect of my complaint seriously and ensure that Essex Mortgage is held accountable for any such unethical practices.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX, Transunion and XXXX they doesnt wan na recibe my letters Ive sending a tong of letter and they doesnt accept it they dont wan na update my credit a lot information on my credit report is wrong or belong to someone else and they dont wan na do nothing about
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (WA)

I attempted to open a bank account online with Key bank in XXXX and was not able to make the minimum deposit of {XXXX to open the account. The system advised that the account would not be opened and active until that {XXXX} was deposited into the account. 

I finally was able to make the XXXX deposit with a check deposit of {XXXX} on XX/XX/XXXX and then had my first direct deposit from my work of {XXXX} XX/XX/XXXX. Since I made the {XXXX} direct deposit that qualified me for the XXXX sign up bonus from the bank. When I questioned Key Bank when the bonus was they stated that I do not qualify because the account was opened in XXXX. I then advised them that the account could not have been opened because I never made the minimum XXXX} deposit to open the account until XX/XX/XXXX. I then had the issue escalated and was told that it would be looked into and I would get a call back. I never got back in touch with the supervisor and even called and left her messages with bank agents and still didnt hear anything. I reached out to them again yesterday and they explain the situation to the banker and she transferred me to her supervisor and the supervisor said that the bank account was opened in XXXX even though there was no minimum {XXXX deposit to open the account like it states all over their website. So I let them know I would be filing a complaint against them. So here we are
Consumer complaint received 2024-01-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/year>, I settled my outstanding balance with XXXX XXXX. 

However, as of XX/XX/XXXX, it still appears as a collection item on my credit report. I reached out to XXXX XXXX and even initiated a dispute process. 

They confirmed that the account has been paid in full and should no longer be listed on my credit report. 

Additionally, I have received an email confirmation from XXXX XXXX regarding the resolution of this account.
Consumer complaint received 2024-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NC)

on XX/XX/XXXX I filed a dispute with XXXX about a medical debt collection from XXXX XXXXXXXX XXXX that is not mine. On XX/XX/XXXX I received a response for them that the debt was mine after investigation. On XX/XX/XXXX I decide to provide copy of my Drivers License and a copy 1095-B Tax form from XXXX ( when the debtor states I used the XXXX services ) To prove my current address and my Health insurance company. That I resided in the state of XXXX and also told them that I was covered by VA as a former veteran with 100 % medical coverage. I just received a letter staying that the creditor states that the account is still mine.
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ALLY FINANCIAL INC. (NY)

I originally contracted with XXXX for XXXX XXXX work. XXXX contracted with Ally to bill me in monthly installments but I expected a credit card. I contacted Ally about their billing but they referred me to XXXX. XXXX explained that it was in fact a loan and I would need to make monthly payments. They further instructed me to make an appointment for treatment. In XXXX, XXXX  I had my first and only treatment which resulted in a severe adverse reaction. I then sought to terminate the loan because I had no intention of continuing treatment. I contacted Ally but they referred me back to XXXX, then XXXX referred me back to Ally. As a result I contacted the CFPB. Despite my dispute of the charges, Ally rewarded {$1700.00} to XXXX and sent me {$450.00}.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been trying to access my funds for XXXX treatments over XXXX years. The first few times the representative stated they would call me back. They never did. My social security number and DOB is linked to my account and yet they will not reset my password with this information. They want a cell phone on record. My account predates cell phones
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Number : XXXX XXXX  # XXXX - BALANCE {$5100.00} Account Number : XXXX XXXX  # XXXX  - BALANCE {$5100.00} Account Number : XXXX  # XXXX - BALANCE {$460.00} Account Number : XXXX  # XXXX BALANCE {$3400.00} Account Number : XXXX XXXX # XXXX - BALANCE Account Number : XXXX XXXX # XXXX  - BALANCE Unauthorized Inquiries XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a FTC IDENTITY THEFT REPORT. I submitted, with an explanation that I could also provide more proof of my situation. my credit reports are reporting differently, and either my information is still not corrected and they are reporting the same old information.requiring me to pay for my information I'm still going through the same process as they send to me to be able to fix the problems, and nothing is fixed.they don't remove what needs to be removed.using my maiden name which I did not use for the information they have in the reports.I in data breaches, data leaks, darkweb and being hacked. This started with the first data breach XXXX in XXXX, and has not stopped XXXX sent me to XXXX I have never known of them until recently after I sent in my XXXX report. The fraud is attached to my maiden name, I have been married for 29 years. There's fraudulent activities going on of which my email address is being used so I may not be receiving the communications because it is being rerouted and when I send its not sent to whom I sending it to.This is got to be more than one person, and in high official offices that know about this.This is not just affecting my credit, it's designed to destroy my life.Im being slandered, defamed, personal information sold, changed used to fit their narrative for financial gain, and to escape public ridicule for what they have done to not only me, XXXX knows how many people to keep us in poverty and control over peoples lives.IM FIGHTING FOR LIFE AND OTHERS THAT ARE VICTIMS OF THE GOVERNMENTAND INSTITUTIONS THAT HAVE OFFICIAL RANKINGS OVER PEOPLES PERSONAL INFORMATION THAT ARE TAKING ADVANTAGE OF THEIR POSITIONS.
Consumer complaint received 2020-02-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Direct Capital (OH)

I received several calls from XXXX XXXX @ Direct Capital XXXX as well as XXXX They advised they had time sensitive information regarding a civil action they needed to get to me, but i needed to verify information. I stated i do not verify information over the phone and i will only communicate with them via US Mail, he stated i can not send you out any information without verification. I said if you have a civil issue against me then you have the information to send all information via US Mail. I said please do not call me again. 
I hung up and he proceeded to call me 6 more times, each time telling him not to call. I then blocked his number then he proceeded to call with other numbers. I advised him i was reporting him for harassment. Then he started to call my work number I made the same statement. He called back again and asked for my supervisor I said not then he said please transfer me to HR i said no, and stop calling my work number. He continued to call a 3 more times. 

He also called my ex husband and left a voice mail for him. I do have the voicemail as he forwarded it to me. He called him after I repeatedly asked him to for communication to only be through them mail. This VM states they have time sensitive information regarding my personal information. 

Calling me at least 10 times in a 20 min span after asking him to stop each time is harassment. Calling my job and requesting HR and my supervisor is an attempt to intimidate me to give them information.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (NC)

When I logged into my Citi credit card account, I was offered the opportunity to open a XXXX XXXX XXXX account. When I completed the application, the website indicated the request was denied. I called the citi number to find out why and the agent could not find a reason. I asked if the problem was that my thre credit reports were frozen and the response by Citi was yes. The agent suggested I unfreeze the credit reports and apply again. This cycle repeated a number fo times but each time the reason for the denial given by the agent changed. They said the denial was because I applied why using a VPN, and I was denied because the offer was not valid until XX/XX/XXXX and I applied before XX/XX/XXXX. 

I eventually received letters that gave the reason for denial as " Unable to verify information ''. So I called Citi again and was told that " uniable to verify information '' was not the reason I was denied but I was denied because my report from XXXX had information in it that Citi considered negative. I asked what information in the report was negative and Citi would not answer. I contacted XXXX and there was no negative information in their report. At least at first there was no begative information. But because I kept re-applying as instructed by Citi, the XXXX report mention there were too many ( 4 ) application requests for bank accounts in the last 30 days. But all of those were from Citi because they kept telling me to re-apply. 

So in writing Citi says " Unable to verify information '' but on the phone they say a negative report but will not tell me what in the report is negative. And for what it is worth, I have a credit score over XXXX and three credit cards already with Citi, all with perfect payment history.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota financial online payment system had a glitch and had reset my automatic payment setting without notifying me on such issue and did not take payment for that month XX/XX/2023 of {$620.00} when I had it set for automated payment setting. I tried to resolved this, and wrote them a letter to rectify matter with no response. Their website went thru technical issues and reset jet they didn't send any email, text on problem to be able to reset and enroll again in time and my credit went down because of it. From my payment history it clear I don't miss payments before XX/XX/2023 or after XX/XX/2023 when this was reported to credit monitoring companies. 
I ask for help to resolve this as my credit went down due to this negative report and no correction to be expected in 7 years. 
Thank you XXXX XXXX
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (FL)

My name is XXXX XXXX I have been using Direct Express because SSDI demanded. Besideds the our ragious fees i was being charged. I kept card for over 3 yrs. I would just remove all my funds on the XXXX every month to avoid those fees. On XX/XX/XXXX XXXX XXXX before i was goint to head to atm to remove my funds, I discovered my card was not working and reported stolen. This was not done by myself so I immediatly told the company to cancel card. Insteed of completeing my request i wasplacved on hold from XXXX XXXX XXXX - XXXX XXXX XXXX XXXX before speaking to the fraud department, Instead of being helped i was treated as the fraudulant user. I had already had a police officer at my home since while using another phone to call cound that a replacement card was swhipped to an adress i have nevber used 70 miles away on XX/XX/2019 and was recieved and actived XX/XX/XXXX. I requested the adress and store it was used and as well as the officer requested and was denied by your supervisor, The time was now XXXX XXXX i was on land line at XXXX XXXX XXXX XXXX XXXX XXXX with a police officer present and was called a liar becauce every senmt i had tyo my name was removed from account at XX/XX/XXXX.This letter will be my last7 nice attempt after that if this arrangmenmt is not fixed. I i will use every cent of the $ XXXX inheriantance i, rtecieving next year, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX over ur lack of customer service and inhumanity. XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (PA)

I received a text from XXXX saying it was from Chime asking if I attempted a purchase of {$400.00} at XXXX. I said no. The next text said a representative would contact me shortly. I received a phone call from the Chime customer service phone number ( XXXX ) XXXX. The representative verified the last XXXX digits of my XXXX and said someone had accessed my account and they recommended changing my account number. He said his XXXX would send me a notification to approve the transfer to the new account. I received a text from Chime saying, " XXXX XXXX requests {$2000.00}. Tap to approve or decline. The notification said " For transfer into new checking '' The chime sign for the account was " $ XXXX XXXX As soon as I did, the call disconnected. I IMMEDIATELY realized that I'd been scammed and IMMEDIATELY called Chime Customer Service ( XXXX ) XXXX and spoke to a representative and asked for the transaction to be reversed. She took some information, the same information I relayed above, and gave me a dispute number. I later received an email from Chime that no error had been made and they would not reimburse my {$2000.00}. I knew no error had been made, but they could have seen the notification on the transfer, " for transfer into new checking '' and reversed the charges.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several unauthorized inquiries listed and reported in my Transunion Consumer Report File in which I have made contact with the creditors and transunion multiple times to initiate my dispute claims and the creditors advised that they will flag my personal information and have the unauthorized inquiries purged from my credit files from XXXX, XXXX and transunion.However, XXXX and XXXX have purged the unauthorized inquiries and transunion did not.I made large amount of calls to transunion speaking with various representatives of transunion that advised me that Transunion will not remove or delete the inquiries from my file and therefore the inquiries will remain on my file.after unsuccessful attempts to get this unauthorized fraudulent inquiries resolved Transunion have continuously violated my rights as a ID Theft and Fraud victim under FCRA TransUnion is not in full compliance with FCRA.I have forwarded copies of the FTC Identity Theft Report and XXXX XXXX Police Department Identifity theft report via USPS to Transunion LLC XXXX XXXX XXXX XXXXXXXX, XXXX to validate my claim and still I am advised again that those inquiries will remain on my credit file. 

Please be advised that the following unauthorized fraudulent inquiries are 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