davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (OH)

This incident happen in XX/XX/2017 and also one time over a year ago. I had a balance of less than {$50.00} with Macy 's Credit Card. I attempted to pay the full balance online and I paid either the payment due or the current balance. Even though I paid the balance before the due date I accrued less than 1 penny interest in the billing cycle and by the terms and conditions of the account was billed a minimum of {$2.00}. I complained each time and the store reversed the fee. I do n't know what would have happen if I would not have complained but most likely I would have continued to receive a fee for {$2.00} every month. 
The problem is that the minimum balance shown on the payment web page does not display 0 to 30 days of accrued interest and thus results in a {$2.00} fee even if a person selects the pays current balance option. The web pay system does not allow one to pay the {$2.00} fee in advance. My concern is that if this happens to other clients it may go unnoticed.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union will not provide me with my free annual report. Additionally I am unemployed and will be seeking employment in the next 60 days. There is no selection process for ordering a free credit report based on this consumer right. 
I was able to receive both my XXXX & XXXX reports free via internet but Trans Union will not provide my report. 
Please help. Thank you.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX. After having 'XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for sudden XXXX. My excellent ( check the history ) credit status should be restored immediately.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CO)

On XX/XX/XXXX, i made a purchase of XXXX dollars on my Home Depot credit card, on XX/XX/XXXX I paid off the complete balance of the card to to a ballance of XXXX. On XX/XX/XXXX I received a bill for XXXX plus XXXX dollars in penalties and interest. When I contacted them I was told my XX/XX/XXXX purchase wasnt added to my balance on XX/XX/XXXX.
Consumer complaint received 2020-12-21
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: EQUIFAX, INC. (AL)

The unverified items listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, XXXX, Equifax, and XXXX stated in writing that they've verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2017-04-13
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

When calling Portfolio Recovery Associates LLC to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from XXXX. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with XXXX letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-01-18
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: WELLS FARGO & COMPANY (NV)

Starting XX/XX/XXXX, I began working on the Wells Fargo credit card account and how it is reporting to the 3 credit bureaus. The reporting is incomplete, inconsistent, and not verified. Every month hence, I reached out to the credit bureaus and information always come back verified with no changes to the information and no proof of investigation was provided to me. XX/XX/XXXX I contacted Wells Fargo Executive Office in regards to this matter. Wells Fargo stalled and XX/XX/XXXX, I got a response from XXXX XXXX saying they fixed the account and the way it was reporting inaccurate and incomplete and inconsistent and to allow 30 - 60 days for it to reflect on my credit report. XX/XX/XXXX I pulled my credit report and nothing was fixed for this account. Please see attached to see how each bureau is reporting the account.
Consumer complaint received 2017-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MI)

I was charged a late fee of {$3.00} for the month of XX/XX/XXXX. This fee was paid on X/XX/17. On Monday, XXXX/XXXX/XXXX I called and spoke with a manager ( XXXX ) at extension XXXX asking the fee be removed. XXXX checked my payment history and verbally confirmed over the phone with me that the late fee of {$3.00} had been paid ( in XX/XX/XXXX ) and he was unsure why it was still on my account. XXXX stated he would put the request through and have the {$3.00} fee removed and my account current again. He confirmed he would call me on Wednesday ( X/XX/17 ) to confirm this was taken care of. On Thursday, X/XX/17 I followed up to speak with another manager only to be informed they are not removing that late fee of {$3.00}. I have paid above and beyond the late fee of {$3.00}. My monthly payments are {$60.00}. You will see below my payment history and how in-fact the late fee of {$3.00} has been paid. On X/XX/17 I made 2 payments of {$67.00} ( this covered the XX/XX/XXXX late fee of XXXX and covered and ensured that XX/XX/XXXX was paid on time ) On X/XX/17 I paid ( on-time ) {$63.00} when I only owe {$60.00} each month.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (MD)

On XXXX XXXX XXXX, a client deposited the amount of {$3000.00} ( USD ) into my business checking account at Suntrust Bank. When deposits are made on a business day it takes a 24 hour period normally for the funds to be available and if the bank is in the same area of the account then there normally is no hold. However, when I checked the business checking account it stated on XXXX XXXX XXXX that there would be a hold on {$2800.00} until XXXX XXXX XXXX. However when I checked the account again on XXXX XXXX XXXX, Suntrust Bank decided to place a hold on {$400.00} until XXXX XXXX XXXX and then put a hold on the remaining {$2400.00} until XXXX XXXX XXXX. When I contacted Suntrust Bank on XXXX XXXX XXXX, I spoke with a representative named XXXX and was told that these holds were not policy but at their own discretion. I informed the representative that this inconvenienced my ability to do business and that these funds should be available especially if there were no push backs from the bank in which the deposit was drawn from. Based on the representative and his management this is a system process and there was nothing they could do. I informed the representative that this was unacceptable and that their explanation was not enough.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I opened an account with USAA on XX/XX/XXXX. A transfered was completed from my existing account with XXXX XXXX XXXX to USAA. Then I completed the online documents provided by USAA. <P/>A call was made to USAA on XX/XX/XXXX because the account reflected a " hold '' until XX/XX/XXXX. The customer service representatives could n't tell me why there was a hold. All they would said is the account is under view. However, no one has been assigned to review the account yet. So I was advised to call back next week. <P/>How can this institution agree to open a new, acceptance funds from another bank, and then place a hold on those funds without any real explaination until XX/XX/XXXX?
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

I was given a counterfeit XXXX dollar bill by my bank and the bill was held by my other bank. I made a withdrawal from my Bank United branch on XXXX XXXX in XXXX and made a deposit to the XXXX on XXXX XXXX in XXXX XXXX. Bank United never replaced my money due to their having accepted a counterfeit XXXX dollar bill.
Consumer complaint received 2017-07-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CL Holdings LLC (IN)

I just picked up papers from post office regarding a judgement against me from XXXX XXXX. I attended school and graduated in XX/XX/XXXX to XXXX which is now closed down due to mismanagement of student funds. I was not aware that I even had private loans until after i graduated. Many students that attended this school was not aware of the private loans either and some students such as myself did not even get any funds that were left over after term was over. The school was to give unused funds back to XXXX XXXX or give to students but did not. At one point i was paying XXXX XXXX {$100.00} per month automatically from my checking account, then one day they stopped and honestly i thought it was because of all the mess that was surrounding the closing of the school. XXXX XXXX sold my loan to Jefferson Capital a collection agency, and I had never received any correspondence from them until last week. I 'm already overextended financially and with cost of living and other student loan payments. I work for a XXXX XXXX XXXX  and some of my student loans are in the loan forgiveness program because of where I work and there are some student loans I have to pay because they did not qualify for student loan forgiveness and they are also federal loans. So I have contacted Jefferson Capital and I have like 20 days to to set up a payment plan, pay off or get judgement placed on my credit, then sued. I do n't know what to do or if those student loans from XXXX are even forgivable or dismissable. Although motion was filed by Jefferson Capital on XX/XX/XXXX, I did not received notification until a week ago
Consumer complaint received 2021-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I submitted a dispute to Equifax well over 30 days ago. The dispute was regarding a collection account with XXXX  for the amount of {$1400.00} in addition to the following collections : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I still have not received an update nor had the fraudulent account and hard inquiries removed.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (NC)

I reported fraud on my account on XX/XX/2021. Ive sunce been locked out of my account by Moneylion fir several weeks. I have 5 paychecks that were direct deposited into my account that I can not access. My car is being repossessed and possible eviction. I just want to pay my bills with my money.
Consumer complaint received 2017-07-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Hello My name is XXXX XXXX BOD XXXXXX/XX/XXXX XXXX XX/XX/XXXX My family and I were trying to obtain a Mortgage and were denied because of information that is not true on my credit report. XXXX XXXX XXXX XXXX XXXX has information of an eviction : XX/XX/XXXX record number XXXX File number XXXX XX/XX/XXXX:XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX civil DISMISSAL with no money or balance owed XXXX XXXX XXXX XXXX XXXX this company does not exist but is on my credit. <P/>I have even called XXXX XXXX County XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX General District Courts XXXX XXXX XXXX and the Attorney General office stated there are no balance and these items should not be on my credit report. <P/><P/><P/><P/>These allegations and judgements are lessing our chances of obtaining financing to purchase a home. as we all know how hard times are to buy a home in this day and age. <P/>These records were obtain by XXXX XXXX # application XXXXXX/XX/XXXX XXXX : XXXX
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXX USAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. <P/>Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. <P/>Look I am still in XXXX and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls.
Consumer complaint received 2016-12-01
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MI)

I applied for and received from XXXX {$3200.00} to help me with my escrow through Bayview Loan Servicing.BLS received by echeck XX/XX/2016 and sent back {$2000.00} to XXXX and ca n't explain to me why.I have heard all year that they are looking into the matter.In the meantime my credit report is poor and only because of BLS.and i am having trouble buying a car.
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have XXXX and check my credit report monthly. I saw that I had an item sent to collections for a XXXX account that was opened on XXXX XXXX, 2015 it has been sent to collections in the amount of {$500.00}. I have a current XXXX phone account that I have had for over 10 years so there is no reason why this should be on my account. I contacted XXXX and they said my account is up to date. I suspect this could be identity theft and someone else has opened up an account using my information and I want to dispute this item on my credit report.
Consumer complaint received 2021-01-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am begging for help at this point
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (WI)

My wife and I were notified through XXXX, that XXXX/BMO Harris Bank NA has flagged our account as 180 Days Past Due on XX/XX/2021. 

This is in violation of the Forbearance Settlement Agreement ( page 4, line item 15 and past, regarding credit reporting ) currently in place, now current with 0 late payments with every payment made on time, as reported in all BMO and XXXX records, since the start of the agreement on XXXX XXXX, and agreed to and signed by both the lender and the borrowers. 

This is unduly devastating to the borrowers financial matters.
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

On XX/XX/XXXX, I canceled my policy with XXXX XXXX. For whatever in error reason, they continued to bill me for the policy. I contacted XXXX after they reported {$390.00} in collections on my incorrect credit. I was told to provide proof of insurance and they reduced the amount due on the account. They realized the error they made and issued a letter dated XX/XX/XXXX, stating this. They did a 3-way call to the Credit Collection Service and informed them to remove the item from my credit. My letter also states that. Since then the Collection Agency has updated my credit again with that information, which is wrong and they were told to remove it this time by the original creditor XXXX. They have since updated the item with their information. With that stated, they are attempting to collect on money already paid to the Creditor and were informed of that information. I was on the call when they were told to remove the item and for whatever reason, they are continuing to report this item.
Consumer complaint received 2020-12-20
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.