davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (MN)

Having no intended business with Equifax I find myself having to paid to freeze my credit. This is the result of their data breach which has nothing to do with me. This data breach occurred on XXXX XXXX XXXX all most a month and a half. Giving the executives plenty of time to sell their stock. I want my money back.
Consumer complaint received 2017-09-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TOWNE MORTGAGE, LLC (PA)

We were supposed to settle on a house four different times first in XXXX two different dates then it got pushed to XX/XX/XXXX then moved to thr XX/XX/XXXX. Then it all fell threw we paid out XXXX $ for an appraiser for this house an were never eligible for the house from the beginning because of the type of loan we have we ca n't have over 10 acres an it did. Our loan officer " did not know this ''. We have tried everything an to get this money back he said he could n't do that but there 's no reason for so because we were n't able from the beginning to get it. Amung many other things that happened an lies my finances an I were told by this man that was supposed to be looking out for us an getting us into a house but never did he packed the whole house along with XXXX kids an had to unpack now because it all fell threw. I need a phone call from someone immediately.
Consumer complaint received 2017-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

On XXXX XXXX I converted my checking account to a low fee checking account ( the previous account required a certain amount to be in the account for the month - {$2500.00} XXXX. This I believed would lower the charges. In XXXX of XXXX i began to received {$30.00} overdraft fees on my account. I initially paid the first fees - then other fees were charged. I called my bank and was informed that the checking account was changed to an account that would allow the bank at their discretion to pay and overdraft my account. I have argued and now I am being assessed fees for my account continuing to be overdrawn.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

My home mortgage was sold without warning by my local bank ( XXXX ), to a national mortgage loan service company, Bayview Loan Servicing LLC in XX/XX/2016. XX/XX/2016 I received notice from the XXXX XXXX 's office indicating that the taxes on my property had not been paid. My mortgage is calculated to include escrow for property taxes and home insurance. After numerous telephone calls, emails and postal mail, I have not gotten a response from Bayview and the taxes remain unpaid. It is the worst customer service I have ever experienced from any company in my lifetime. Each time I call, I get a different person who only gives their first name, and can not sufficiently answer any questions, nor even provide a supervisor 's name to answer any questions or achieve any resolution. I have received no response to my email or postal mail, both of which provided verification documentation of the unpaid taxes and the specific property parcels in question. It is unfair to pay a mortgage that is supposed to include enough to cover the property tax and insurance, only to have taxes go unpaid and accrue late fees. I feel that I must somehow find the money to pay the property taxes until this is resolved and then likely fight a new battle again to get the money back or have it deducted from future mortgage payments. I am current on my mortgage payments and have not been late. XXXX weeks ago I received an escrow analysis statement indicating that I needed to pay {$340.00} in order to account for a shortage. I mailed in a check for that amount on XX/XX/2016 and I have not received any acknowledgement of that payment. I believe this company is customer-unfriendly and unresponsive to questions or concerns. There is no acknowledgement email return, no call back and no response to postal mail.
Consumer complaint received 2017-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TN)

THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST LVNV FUNDING LLC. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM XXXX XXXX XXXX XXXX XXXX. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (WI)

I have been a Citibank credit card customer for many years, and they are now starting to charge me interest fees on purchases that I pay in full every month. After calling a couple of times, and still not understanding the reason for the fees, I wrote this : " I had called about this, but still do not understand why I am being charged interest on my purchases when I have paid them in full every month. I was told because I still have an amount for balance transfer ( even though it is interest free ), that interest will now be charged on the purchases I have made ... I looked back at previous statements from XXXX & XXXX, and I was never charged this interest as long as I paid my monthly purchases in full, and still had an interest-free balance transfer amount. This makes no sense to me. I have never experienced this with any other credit card ... Please explain this so I understand, and if things have changed from the past, please explain that also. '' This was their response : " The interest shown on your statement is generally called residual, or trailing interest. This is the interest charged against the account balance from the last cycle 's statement date until the date you paid in full. If you paid on your due date, the interest was assessed against the balance that existed on your account for about 25 days. '' There was a promotional offer of 0 % interest on purchases for, I believe it was 18 months. I paid off the entire balance in XXXX XXXX and continued paying all of my purchases in full each month. Then in XXXX of this year, I made a total balance transfer of {$1500.00} with a {$45.00} fee. I paid not only the balance of purchases that month, but also the {$45.00} fee. So the remaining balance was only the {$1500.00} transfer. That is when the interest started, even though I have paid the full amount of purchases each month. See the attached document. This is fraudulent and a scam- '' residual or trailing interest ''? I have NEVER had anything like this on any other credit card. I am not sure if they are trying to recoop losses from 2 % Cash Back on the Double Cash card or the reason for trailing interest. So it makes no sense to use the credit card since the minute you make a purchase, the interest clock starts ticking even if you pay it in full by the due date. This is a scam and it must be stopped. There should be no residual/trailing interest as they call it, it is a deceitful practice, and all they are doing is recouping and making the money lost from 2 % cash back ( 1 % when purchased and 1 % when paid ). It is a deceptive and deceitful scheme, and must be stopped. It is a con and people are being swindled.
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2016 I discovered that at approximately XXXX that morning, an unauthorized withdrawal of {$2900.00} was made via teller withdrawal from my checking account at Citibank XXXX The line item on the transaction showed the location as being at an ATM at XXXX in XXXX ( this is about XXXX miles from where I live and I was never there ). I reported this at once to Citibank and opened a fraud investigation. The following Monday I went to my local branch in person, and at that time saw that on XX/XX/2016 ( Saturday ) at around XXXX an additional {$2900.00} was fraudulently taken out of my account at the same branch in XXXX XXXX The entire amount of funds stolen from my account is {$5800.00}. 
I have been working with Citibank for almost XXXX months and the funds still have not been recovered into my account. Citibank 's latest instruction to me was to make a police report and then provide them with the case number, so that they can request and review camera footage from the ATM where the funds were stolen to ascertain that the individual making the withdrawals was not me, was not known to me and/or did not have permission from me to make a withdrawal. So far they have denied my fraud claim on the basis that the withdrawal was made using my card PIN number. Citibank asked me to provide a written affidavit stating that I was not the person that withdrew the funds, and that I did not know nor authorize anyone to withdraw the funds, which I did complete and provide to Citibank. I guess the inference is that I must have provided the number to someone but this is false. I have not shared my PIN number nor my card with anyone. I do not keep multiple copies of my debit card, and there are no other signers on my account that have access to it. I do not keep my PIN number written down anywhere. I have not given the card nor the PIN to anyone ever to use nor given anyone permission to withdraw funds using my debit card, ever. 
My suspicion is that a card skimmer was used to copy my debit card information. On the night before this all happened ( Friday XXXX XXXX a taxi driver asked that I purchase them gas in exchange for a lower ride fee, and I suspect that before I used my card for this purchase they put a card skimmer on the gas tank and secretly observed or recorded my PIN when I made that purchase. That 's my strong suspicion just because the timing is very coincidental. 
I would greatly appreciate any assistance, advice and help working with Citibank to recover these funds. I am a single father of XXXX teenagers, my wife passed away last year and I can not afford to lose this much money. Can you please help me. 
XXXX, XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Now it 's been shown that their site to determine whether or not an individual has been impacted is randomly generated. So currently, since I am not able to properly enroll with the site for several more days, there is no actual way for me to know if my information was stolen.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Equifax mishandled my information in XXXX - XXXX 2017 which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2016-12-15
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (MO)

Have received multiple telephone calls, and now a negative listing on my credit report, regarding a payday loan for {$2000.00} through XXXX allegedly taken out in XX/XX/2013. I did n't take out this payday loan.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Mortgage has decided to create their own Bankruptcy Law, when it comes to short sales. Caliber is demanding an approval from the court ( " Motion to Sell '' ) allowing the short sale to take place, and will not give the court any kind of short sale approval terms whatsoever. The BK court will not review a Motion to Sell until they have all approval conditions from the mortgage lender. Caliber has decided that they are above the BK court and are going to create their own rules as to how a short sale works when the borrower is in bankruptcy. What is Caliber trying to hide from the BK court?
Consumer complaint received 2016-12-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Placement Services, LLC (MN)

My credit score was recently reduced from a creditor claiming that I owe money regarding a traffic citation. I had made disputes on my report regarding several alleged citations issued by the state of Wisconsin and was removed from my credit report. XXXX months later, a new collection agency appeared to have maid another claim. At no point had I ever made a promise to pay to the state of Wisconsin either through verbal or contractual agreements. 

I would also like to add, throughout the last XXXX years these creditors have continuously reported to the credit bureau 's for citations that have been paid. When asked why it had even reached a collection agency being the citations were paid on-time, the response was " because you did n't pay a {$5.00} fee along with the citation. '' This includes XXXX 

This has been going on with the state of Wisconsin for MANY years now. I ca n't help but feel that I have been treated unfairly by the state as well as their creditors. These traffic citations has not only hurt my driving record, my credit report as well as my occupations. At what point is this punishment enough? These citations have dramatically impacted the quality of my life ... .. A TRAFFIC CITATION. 

My credit score dropped XXXX points from this most recent attack. I really had high hopes in creating a better financial profile for myself being I 'm going into accounting.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive already spoken to XXXX XXXX debt collection agency. they have agreed to remove this item from my credit report. but you guys have not removed it from my credit report. here is confirmation from XXXX stating that they will remove item ( complain from CFPB portal ) in regards to XXXX XXXX Company responded STATUS Company responded on X/XX/2017 RESPONSE TYPE Closed with explanation Company 's Response To whom it may concern re. XXXX account # 's XXXX and XXXX : Please be advised that the two open accounts in XXXX XXXX ' name were reviewed fully by our office in conjunction with the consumer complaint received. In response to the consumers request for no further contact from XXXX XXXX XXXX , XXXX., we have closed both accounts and returned them to our client indicating no further contact to the telephone number/s and address for this consumer. Please note that this action also initiates deletion requests to remove all tradelines on the referenced accounts from credit reporting to the 3 major credit bureaus. We hope this addresses all concerns on the part of the consumer. Thank you, XXXX XXXX, Legal/Compliance Admin
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc. (AZ)

I am applying for a XXXX year fixed rate mortgage with eLend also doing business as XXXX. On my original loan estimate that I received and signed the total cash to close is {$1900.00}. I received the updated closing documents showing the new closing cost of {$4600.00}. I have made multiple attempts to contact eLend and resolve this. I am unable to reach my loan processor or a team lead. I have only been able to speak with sales XXXX who has explained to me that there have been changes to the escrow withholding in addition to the title work and that is what is causing the change. The entire point of the loan estimate is to protect the consumer from bait and switch and in this instance that is exactly what is happening.
Consumer complaint received 2016-12-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Quad Corporation, Inc. (IA)

I had a medical bill I guess that I owed in the amount of {$590.00} in the year XX/XX/2013. I had insurance and I had received the last medical bill in XXXX I called the XXXX XXXX office and they told me to wait not pay anything more until the insurance pays. I never received a bill after that. The beginning of this summer I kept getting phone messages that this message is for XXXX if your not XXXX than hang up. I ignored this message because of spam. I received a letter from a credit agency that I owed {$1500.00}. Right away I called them and I said I would set up payments I always pay my bills if there owed. I checked my credit report and my medical bills and they just did n't add up to {$1500.00}. So I called the credit agency and she said Oh they wo n't. I kept paying but than a lightbulb went off and I asked for itemized letter of what I 've been paying on. Nothing was itemized. So I called the XXXX XXXX office that whom I owe money too they said they have only received {$25.00}. I am going to a lawyer on this matter. This just is n't fair to me.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2016 Transunion had removed all my XXXX, they remained off for a few weeks, I called transunion as i was disputing inquiries that was my sons anyway, they told me they removed them, later to find out that they appeared back on and added more I called Immediately and told, there is nothing they will do and hung up on me, quote on quote and include that their customer service would not help and take care of the negative inquiries reporting to your credit report. i have exhausted all my fights with this rude company, please can you help me, .. I have a list of what I know they removed and added back, and changed dates Advantage Am Rent BrclysBankDE CBCINNOVIS CBNA CELTIC/CONT CREDCO CREDIT INVES CREDIT PLUS CREDIT PLUS ( AAGAIN MORE THAN ONCE WITH ADDED DATES ) SYNCB/AMAZON SYNCB/WALMRT Their actions should n't have my credit suffer i never received a letter or response of them adding this back on please would n't you help me with this event im a victim of Transunions inquiries issues now they double jammed me
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received an automated call from XXXX. It said to select 1 for the last day of the promotion. I selected 1 and spoke to a man. I asked him what credit card he was referring to. He listed a ton ... Visa/MasterCard for XXXX, Capital One, he named a few others. I asked what specific account he was calling about and he told me Capital One. I told him that I was on the DO NOT CALL list and the only reason I should be called is if fraudulent chargers are found. He told me I was not listening to him and the said he was going to cancel my account. " Excuse me? '' I asked. He said ... " You heard what I said '' and then hung up. I called Capital One. They said they do not call with promotions, only fraudulent charges. I did not think a Capital One employee would act so professionally. I should have played along a little longer to see if he was going to ask me for my credit card info. I think this is likely a scam and should be reported.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax and XXXX websites make getting a security freeze or credit freeze impossible. Same with their versions of free-annual-credit-reports. 

XXXX works well and I succeeded in getting security freezes for myself and my wife. 

These data aggregators also mangle our data ( running names together into a single name ) making some information questionable. 

As for XXXX - its good as far as it goes, but since two of the three leading credit reporting entities prevent consumers from completing their credit report requests, this lessens their value to consumers. 

What is needed is a single website that lets consumers get free annual credit reports, and lets them manage security / credit freezes as needed by the consumer. 

We also need a single website where consumers can easily opt-in or opt-out of unwanted data sharing, marketing schemes/scams, and advertising.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion XXXX XXXX are incorrectly reporting the account XXXX Account # XXXX which is reporting as a charge off/collection. This is not accurate and furthermore XXXX is not reporting the account so what Transunion and XXXX have to validate this information. I have previously disputed this same information and it came back verified I would like to know how the information was verified and what investigation was done to determine the claim. Credit card issuers are insured and do not incur a loss so if the account is charged off then the insurance has paid any deficiencies and this account is considered settled.