davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (MD)

On Friday, XX/XX/XXXX my XXXXyear-old child received a promotional flyer from Citibank advertising a generous cash bonus if s/he opened a new checking or savings account and maintained a balance of {$50000.00} or {$15000.00} for 30 or 60 days, respectively. 

The flyer was addressed to my XXXX-year-old with the exact spelling of his/her name and exact address. 

Neither my spouse nor I have a current Citibank account. I had a XXXX credit card but that account was closed approximately 5 years ago and I have a different last name than my child. 

My child does not have a savings or checking account with any bank, does not have a college savings plan, or any other financial products. S/he does not have an email address or any online presence. 

When I called Citibank to get information about why my XXXX-year-old was receiving promotional material, I was told by someone in " Client Relations '' that my complaint was being " forwarded to a 'back-office team '. '' They could not give me an estimate on how long the investigation would take or when I should expect to hear back. They could not or would not give me a number I could call to follow up except for the general customer relations number. 

When I emphasized that it is illegal for minors to open checking or savings accounts without the consent of a parent and asked for more specific information on what Citibank was going to do to resolve my complaint, they stated they could not do anything else. 

I restated what I had been told. That my complaint was forwarded to a " back-office team '' who would investigate it and get back to me in an unspecified timeframe and that the only possible way to follow up was to call the general customer relations number. The response to that was " that is the proper expectation. '' I demand to know how Citibank got my XXXX-year-old child 's information and why they are sending promotional material to a minor.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (OR)

XXXX 2014 our house burned down. We had our mortgage with XXXX XXXX XXXX, our insurance settlement was sent to XXXX XXXX XXXX and held in escrow. XXXX XXXX XXXX reported one of the escrow disbursements as non employee compensation. The other disbursements were correctly reported to the IRS. Now the IRS is taxing me on {$87000.00} worth in income as XXXX XXXX is reporting it as if I worked as in independent contractor for them, not as an insurance settlement disbursement which is what those funds are.
I have never worked for XXXX XXXX XXXX, the other disbursements were not reported as non employee income. XXXX XXXX has refused to allow me to talk to the lost draft department, they said a supervisor would call, which they have not in 2 business days and they sent an email indicating the funds were reported correctly. If they would like to pay me the {$87000.00} they are reporting that they did, I would accept those funds and pay the taxes and penalties. However it makes most sense they correct the reporting to the IRS. I have also tried to call HR and multiple people at customer service. I do have all their contact information etc. The customer care folks said it was capital gains and that I should talk to my CPA. It is not as the house was never sold. We rebuilt it, refinanced it and live in it. They also said the XXXX does n't show that information, however the IRS 's says otherwise. I requested a copy from XXXX XXXX and they said they do n't even have a XXXX other than the {$250.00} in interest from the escrow account. The IRS has requested verification of this income. Their unwillingness to resolve this problem is not only frustrating but unacceptable. You ca n't report income to the IRS incorrectly, then be unwilling to resolve the issue.
Consumer complaint received 2024-11-20
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. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (GA)

Hello, We members of Naca.com ( XXXX ) have been trying to close on a house going on 60 days. It is not our fault Naca people keep inputting the wrong information in our file every other day. No one at Naca is fully reading our file and updating it correctly. We are out of extensions and now in a hotel ( family of XXXX and XXXX dogs ). Our lease was up on XX/XX/XXXX. I need your help please. We are about to lose our " Earnest Money " to. This is out of the XXXX office. Our mortgage counselor is XXXX XXXX who went Ghost on us last week. The office manager is suppose to assist us and is not doing a good job at getting us a closing date. HELP.. The XXXX XXXX XXXX is our lending company. <P/>XXXX XXXX XXXX NMLS # XXXX NACA Neighborhood Assistance Corporation of America XXXX XXXX XXXX, XXXX XXXX XXXX , Georgia XXXX www.NACA.com America 's Best Mortgage! <P/>Regards, XXXX XXXX
Consumer complaint received 2017-06-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Upon reviewing my mortgage documents I shockingly discovered another loan number and are inquiring. It says  Loan no .  XXXX    XXXX   XXXX   borrower   XXXX   XXXX   XXXX   XXXX  , mi  XXXX . dated  XX/XX/XXXX  &  XX/XX/XXXX    ID #  XXXX . THIS COUPON MUST ACCOMPANY PAYMENT of  XXXX  To ;  chase manhattan  mortgage corporation attn : financial process dept.     XXXX   XXXX   XXXX   XXXX  .     XXXX   XXXX  . Ca  XXXX  Please explain to th e CFBP.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

On XX/XX/XXXX, my Public Service Loan Forgiveness annual recertification was rejected for not having an employment start date, despite having been employed by XXXX as an XXXX since 2008, which my original form would state. <P/>I resubmitted electronically with a new form. I received a second rejection, this time stating I did not list a start date nor was the XXXX XXXX valid. I have downloaded the document I uploaded to the servicer and both details cited as reasons for rejection are in the document and valid.
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PA)

Re : Account #  XXXX  To Whom It May Concern, I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (NJ)

Bmw financial has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with Bmw and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and Bmw financial has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (OH)

Consumer has a credit card with Wells Fargo Bank. 
Consumer used a promotional interest rate of 3.99 % which was suppose to expire in XX/XX/2019.It was solicited by Wells Fargo Bank Consumer has been making all payments on-time. 
In XX/XX/XXXX, Consumer did not receive a billing statement. 
In XX/XX/XXXX, anticipating that a payment is due, consumer still made a higher than anticipated payment which arrived at the bank just two business days late or four days if weekend is in included. 
As a result, bank charged the consumer a late payment fee of {$39.00} on XX/XX/19 statement. 
As a result, bank removed the promotional rate and started to charge a penalty rate of 12.25 %. 

Consumer monthly minimum payment went up from {$750.00} to {$1100.00}. 
Consumer is being forced to pay an interest rate charge per month of {$560.00} instead of {$180.00} thus costing almost {$380.00} additional in interest charges per month until XX/XX/2019. 

Consumer believes that Wells Fargo change in interest rate is a predatory lending practice and is in violation of consumer federal protection act and other federally granted consumer rights. This complaint is not an isolated issue. This bank has history of fraudulent business practices and has been on the news more than any other bank. 

Consumer hereby requests that 48 business hour delayed payment does not constitute a breach of contract to remove a promotional rate from the account. Hence this issues should be resolved by re-implementing the 3.99 % interest rate, returning {$39.00} late payment fee. 

Consumer also request that bank changes its promotional offers, be more transparent regarding its penalty rate. No one has an idea if they miss the payment by one hour or 96 hours are likely to incur penalty interest rate. Bank needs to define that payment needs to be missed one or two billing cycles. This period can not be in hours. This is fraud and abuse. 

Consumer intends to fight this charge through all available channels if this issue is not solved. My concern is how many others are in the same shape when as a physician and with business degrees, I am a savy borrower who has NEVER missed a payment for over two decades. 

I can be reached via XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I did a complaint to Bank of America, because  XXXX  charge withdraw money from my account, one year ago my daughter call  XXXX  for do a question, but we decided do not use  XXXX  because a Mistake the company withdraw money from my bank account.   XXXX    XXXX  recognized their mistake and the manager said do not be worry we are going to revert the money to your account.   I do not use   XXXX   XXXX    I do  my taxes with my accounting, and he has been my accountant for 5 years, I have the evidence.   I do not report anything to Bank of America because they promise solve the situacin.   When I notice that the money was withdrawn by  XXXX  I called Bank of America and I explained to them the situacin, and they said we are going to do a investigacin.   They revert all the fees.   I was very surprise when they took from my account {$310.00} dollars.   They justify the action and they said you did your complain so late, and I explain I spoke first with  XXXX  and I trust that they revert the money to my account but they did not.   I did an appointment with Bank of America, but the manager do not help me.   I need all this money back, I am the only person that work in my family.
Consumer complaint received 2017-06-06
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: CCS Financial Services, Inc. (GA)

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( 3 ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} Credit Collection Svc - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX XXXX # XXXX - Reported bal {$390.00}
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (MO)

Approximately 4 weeks ago I realized some erroneous/ derogatory information was being reflected on my credit reports. I first called the companies to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. The accounts do not belong to me and I never opened or applied for credit with these companies. Was it done in-store or online? Is there a photo id or signature verification? What City and Stated did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? 
I had a primary residence for 15 years ( XXXX to XXXX ) ; then lived at a friend 's house for XXXX XXXX ; and have been at my current address since XXXX ( XXXX XXXX ). This can be substantiated with change of address status thru USPS as well as filed tax returns. 
I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop or order from these companies. 
The companies falsely reporting against me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Kikoff Lending LLC
Consumer complaint received 2017-06-06
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: Advance Bureau of Collections (GA)

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, XXXX, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX XXXX Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} Advance Bureau of Col - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}
Consumer complaint received 2017-06-06
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: Optimum Outcomes, Inc. (GA)

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  XXXX  I disputed the following charges on my credit report with   XXXX   XXXX   and   XXXX   i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and the al l (   XXXX  ) CB could not show me a verified contract and the balances still remain on my report  XXXX   XXXX   XXXX  - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00} Credit Bureau  XXXX   XXXX  Acct  XXXX  - reported bal {$260.00} Optimum  Outcomes Inc.   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX    XXXX   XXXX   XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX  - Reported bal {$390.00}
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (IL)

This company is claiming that I owe them a balance of {$450.00} as of  XXXX   XXXX  and have placed a negative collection account on my credit without my knowledge. I disputed this item recently on  XXXX   XXXX   XXXX  due to fact that they are trying to collect on a debt that is unverified and they also have a revoked license! It appears this company is doing business illegally in my state and have failed to verify the alleged collection account as well as their license status.
Consumer complaint received 2017-06-06
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: Resurgent Capital Services L.P. (GA)

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  CB I d isputed the following charges on my credit report with  XXXX ,  XXXX , and  XXXX  i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and th e all (  3 ) CB could not show me a verified contract and the balances still remain on my report   XXXX   XXXX   XXXX   - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00}    XXXX   XXXX   XXXX     -  Acct  XXXX  - reported bal {$260.00}  XXXX   XXXX   XXXX   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX   XXXX   XXXX      XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX  -Acct #  XXXX  - Reported bal {$390.00}
Consumer complaint received 2017-06-02
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: Experian Information Solutions Inc. (CA)

In   XXXX   XXXX    , I began contacting  XXXX  to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late.  XXXX  either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called  XXXX , the customer service rep would tell me that my balance was  XXXX . I received another round of calls/mailings offering assistance, called  XXXX  " balance   XXXX   ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind  XXXX   XXXX  and   XXXX   XXXX   XXXX     previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however,  XXXX  sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus.  <P/> I was so exhausted dealing with  XXXX , and in disbelief that they would not correct/reverse the erroneous report { to the credit bureau s },  I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other  XXXX  accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over   XXXX   XXXX    I was clearing out a box of documents to shred and came across the forbearance approval letter from  XXXX . Once again, I am hoping to correct this error to ensure that my  credit score is up dated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

INQUIRES WERE FRAUDULENTLY PLACED ON MY CREDIT REPORT BY EQUIFAX WHICH ARE PREVENTING ME FROM OBTAINING CREDIT BELOW ARE THE INQUIRIES : - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (OK)

I had a bank account charged off with XXXX XXXX. Transworld Systems Inc. did not report to XXXX that I had paid in full/and or the complete disclosure of dates and/or amounts paid by me. It has been three years since I settled this matter and it is damaged my check reporting agency score all this time.