davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2019, when I logged into my Bank of America account I was prompted to call to review my account information. I had two credit cards with the grantor. One had a {$6000.00} limit and one had a {$12000.00} limit. I've always paid on time and have good/great credit. Upon calling, I was shuffled around between 5 or 6 different representatives all unable to really confirm what the issue was. They asked me if I was trying to complete a balance transfer. Almost as if saying I was would have led to a different decision. When I said no I was only trying to keep the information current on my account they informed me that " my account was up for review '' and decided to close the {$6000.00} limit account ( which had no balance previously ) and reduce the {$12000.00} limit to {$500.00} ( which had about a {$200.00} balance on it ). When I asked why they said I have alarmingly high credit usage of about 60 % across all of my accounts, which is not true. My overall utilization has never been over 25-30 %. When I asked for proof or other reasoning behind this they essentially told me that they can do what they want and their decision is final. I have been a long-term customer, only with credit accounts, but I guess that wasn't good enough for them. They wanted me to open more accounts and fully tie my finances into their horrible practices. They saw they weren't going to make extra money off of me so decided to drop me.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

This complaint concerns my request for a refund of a credit balance on my Costco Anywhere Visa Business Card by Citi. 

On XX/XX/20, I used this card to make a purchase of {$3200.00} from XXXX XXXX. The charge appeared on my statement of XX/XX/20, and I paid the full amount of the new balance on XX/XX/20. On XX/XX/20, I returned the merchandise in question to XXXX XXXX, who immediately refunded {$3000.00} to my credit card. This resulted in a credit balance of {$2100.00} on XX/XX/20. Citi 's statement for the period ending XX/XX/20 showed the credit balance in this amount. It gave the " payment due date '' as XX/XX/20. The statement also included an " account message '' saying, " Your account has a credit balance that is owed to you.... You may request a refund by contacting our... phone number listed above. '' On XX/XX/20, I called the number provided and requested a refund of the {$3000.00} credit. I was told that Citi " could not '' refund the full amount of the credit, but only the amount of my " account balance. '' This they defined not as the credit balance of {$2100.00} shown on the statement as of XX/XX/20, but the credit balance as of the date of my call. This amount, {$1800.00}, included charges made after XX/XX/20, which would ordinarily not be due until XX/XX/20. After a very lengthy discussion with a supervisor, it was agreed that a refund check in the amount of {$2100.00} would be issued, but the check that eventually came was in the amount of {$1800.00}. 

The result of Citi 's withholding the full credit balance from me is that they received payment for all charges made through XX/XX/20 on XX/XX/20, a full month before it was due. On the same date they also received payment for all charges made from XX/XX/20 to XX/XX/20, two full months before it was due. 

Section 10 of Citi 's " Card Agreement '' provides that " A merchant refund to your Account will post to your Account as a credit.... We'll choose how to apply the credit to your existing Account balances. If a credit creates a credit balance on your Account, we'll mail you a check for the amount of the credit balance. '' As I interpret this provision, Citi properly posted the credit of {$3000.00} to my account on XX/XX/20. Applying this credit to the existing charges as of that date, they were obligated -- even without my request -- to mail me a check in the amount of the credit balance as of that date. They did not have any authority to delay the refund and apply it to balances or charges that did not come into existence until after XX/XX/20. 

I respectfully request your investigation into what I understand to be a misappropriation of my funds and a violation of Citis own agreement.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Certegy Holdings, LLC (CA)

My name is XXXX XXXX XXXX. On XX/XX/XXXX I mailed an order to a company called XXXX  XXXX. My payment was by check written on a XXXX XXXX account that I have had for years. The account balance was more than sufficient to cover the check. On XX/XX/XXXX I received from XXXX XXXX an unsealed envelope containing my original check and order, and with a generic note from a company called " Certegy '' indicating that that XXXX XXXX   was " unable '' to proceed with my transaction because the check had been flagged for some unknown reason by this sinister, invisible " Certegy '' cabal. I called Certegy 's " customer service '' number and screamed at a robot for 20 minutes, who never transferred me to a human being, but advised me that if I wanted the courtesy of a report advising me why they interfered with my transaction and defamed me I would have to supply them with the following : my bank account number, the routing number, my social security number and a photocopy of a government issued ID. Having the use of my mental faculties, I declined this frankly ludicrous proposition. At that point, I went to Certegy 's web site to file a complaint, and was directed to you fine people. I can be reached at ( XXXX ) XXXX or XXXX XXXX
Consumer complaint received 2019-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.
Consumer complaint received 2020-11-01
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: OneMain Finance Corporation (GA)

I contacted One Main Financial on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let One Main Financial know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (IL)

Reviewed my credit report last month and is showing ( JPMCB ) as reported balance of {$4100.00} with all National Credit Bureaus. In the past I have requested validation of this alleged account of which I have yet to receive.
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (GA)

To whom it may concern I am writing to request, that this debt please be deleted from my credit history report, You may verify with the source and I have included their contact details According to the Fair Credit Reporting Act ( FCRA ) Section 602 ( b ) I am permitted to have accurate and true information reflected in my credit report. To accomplish this I am requesting the collection from ( Penn Credit ) be deleted as it was on XXXX Thank you,
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IA)

I have contacted this company 5 times in XXXX and XXXX and asked specifically to talk to a customer service rep to reset my password. They have made it impossible to access my account. I used two-step authentication and had a old phone number that I no longer have. The new number is not recognized by the Customer Service phone robot and it hangs up 100 % of the time. Coinbase understand that I do not have my old phone number and do not have my old XXXX Authenticator and they understand that my new phone number and new XXXX Authenticator do not work and will not ever work unless Coinbase takes some action. They send me the same old instructions over and over to use XXXX Authenticator and reset password. This fails now and will always fail since they're directed to numbers that no longer exist. They have refused to address my needs. They have refused to get me a rep to talk to. I want my money back from them and I want to close my account.
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHERN TRUST MORTGAGE LLC (VA)

I am aXX/XX/XXXX XXXX veteran and I was attempting to purchase a home that was new construction. The home was XXXX and I was already pre aprroved through XXXX XXXX  for up to XXXX but the builder and they realtor was requiring me to have his bank look over my application to see if they would be able to approve my loan. They were forcing me to have their lender look over my credit to see if they would approve my loan. They were also giving an incentive of 2 % on closing costs if I used their lender but refused to offer it to me because I refused to utilize thier lender. I had already chosen XXXX XXXX  to do my mortgage. I had no affiliation with XXXX XXXX  so I refused to let them go over my credit. they refused to sell me the house if I didn't let their lender which was XXXX XXXX  look over my credit. I refused to let XXXX review my credit so they refused my offer for the house. I subsequently bought a XXXX house 2 weeks later with no problem. I feel like they discriminated against me due to the fact that my Mortgage Company and my Realtor are both XXXXXX/XX/XXXX owed and because I am also XXXX XXXX. I'm filing this claim because I know tht they have done this to other XXXX veterans
Consumer complaint received 2020-11-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unable to file a dispute with Credit bureau in regards to inaccurate account on my credit. XXXX XXXX XXXX is reporting on my credit and can not provide a contract with my signature proving that I opened this account. It was opened falsely years ago. I would like to the valid proof that I own this account because I never did. Its also been on my credit for 7 years. Please remove.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (TX)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2019-10-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC (WI)

XX/XX/19 XXXX XXXX I sent a text message stating I had no money to pay. 
XXXX XXXX they called and I spoke to a rep explaining the same. 
XXXX XXXX  they called again and left a voicemail about the debt. 
this is violation of the fair debt collection act as it's a repeated call after I'd already spoken with someone earlier in the same day. This is harrassment.
Consumer complaint received 2020-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (NJ)

Selene Financial XXXX is not complying to the fully executed forbearance / modification agreement, terms & conditions of modification agreement. This problem has been continuing for over 4 months and have not been resolved. I have spoken to them more than 4 times and have also written them certified and regular mail letters to get the problem resolved.
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (CA)

I have medical debt paid off by my insurance XXXX and XXXX and believe the debt is paid and these collectors have switch names two times on me in the past 4 years. XXXX XXXX XXXX XXXX XXXX and Finanical credit net. I do not owe any debt. Thank you. This is predatory.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (MD)

According to FCRA 15 usc 1681 section 602 says there is a need to insure that the reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer right to privacy. The reporting agency XXXX XXXX XXXX XXXX XXXX and I am the consumer. I have the right to make sure my information stays private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers nonpublic personal information. NATIONAL CREDIT SYSTEM is a financial institution by definition under that title 15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates too. NATIONAL CREDIT SYSTEMS the financial institution and the consumer reporting agencies XXXX, XXXX XXXX do not have my written consent or any permisson to furnish any information. Any and all consent to XXXX XXXX and XXXX and NATIONAL CREDIT SYSTEMS whether it be verbal, non-verbal, written or implied is now revoked. Also 15 USC 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a non-affiliated unless the consumer is given an explanation of how the consumer can exercise his right to that nondisclosure option. NATIONAL CREDIT SYSTEMS Never informed me of that right. Also 15 USC 1681 ( a ) ( 5 ) says " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reports 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. This account is an adverse item that they are reporting again without my permission which is against the law. Lastly 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2020-06-22
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. (MO)

At the end of XXXX XXXX, XXXX, and Experian all added a derogatory remark to my credit report each of them lowering my credit score considerably. I discovered that they have been including a report from XXXX XXXX XXXX  XXXX XXXX, IL. This item should not be on my report. The bill now belongs to XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX. This condition of the debt belonging to XXXX was adjudicated by the XXXX County District Court Judge as a part of our divorce decree and settlement. This document " State of Illinois in the circuit court of the XXXX  judicial circuit county of XXXX '' file number XXXX XXXX filed XX/XX/XXXX. In the settlement agreement item # 4 ; ..., agreeing to hold the other harmless from any debt, claims or related costs thereto. And item # 7 ; Petitioner shall pay te following debts of the marriage and shall hold Respondent harmless from same : ... Mortgage on XXXX XXXX, XXXX, Illinois, Mortgage on XXXX XXXX XXXX, XXXX, Illinois. 
I filed a dispute with XXXX  on XX/XX/XXXX. ( File # ; XXXX ) It seems that the reported delinquency was removed. However, it is difficult to get any information verifying actions. They initially lowered my credit score by 89 points. But the correction of data only raised my score by 22 points. 
XXXX  is similar as described above ( Confirmation # ; XXXX ). In this case my score was lowered by 113 points. But the score was not raised. 
I also contacted Experian. This organization did not show an indication of the XXXX XXXX XXXX  item on the report. However, they did lower my score. 
Further, as a result of the scores being lowered ( note that until this time my debt to credit availability has been steadily improving on an average of all credit ) XXXX credit card lowered my credit availability even though I was never late paying or short paying. This adjusted my debt to available credit rating to a lower state than it might have been.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax is not properly monitoring my credit report and score. They are unwilling to work with the consumer to make adjustments to reports that could increase scores. Items that are indicating would raise my score I am unable to attain because my score is so low. I can not acquire a mortgage or loan while it is suggested that I do so to increase my score. I need my score to read GOOD standing in order for me to be in good standing. There is zero opportunity to increase my score with Equifax. They would like the consumer to be patient with them however in this pandemic no one is being helpful. 

In fact Equifax could not give me a respectable answer as to why my score was low. They did tell me that because I dispute something on my report that brought my score lower. WHy would disputing something that they are already reporting that is affecting my credit score bring it down lower? Is that retribution for challenging them? How is that fair to the consumer. The consumer should have the right to challenge their report and score with ZERO PENALTY!
Consumer complaint received 2020-09-25
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. (NY)

There's a XXXX XXXX and XXXX XXXX account on my credit report that I have no clue about. I contacted the Credit Bureau and the Collection Agency for these accounts in XXXX. I haven't received any information regarding these accounts, I only noticed on my credit report " Account Disputed By Consumer '' I followed up with the Credit Bureaus and the companies, as I haven't received any information regarding these accounts and I still haven't received any information, only stating that I owe this account and it's verified from the past. None of the account information listed on the Credit Reports align and I don't know how this account would be verified and I haven't got any information from XXXX XXXX and I don't recall service with a XXXX XXXX  ever.
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (KS)

Ditech took over my account from Green Tree who I have been with since XXXX. My monthly payment is XXXX a month. I became behind one payment and called to schedule XXXX be added to each future monthly payment to make up for it, which they agreed with. I have since made 2 payments of XXXX but noticed on my statement that they are not being applied to my mortgage. Ditech shows I have not made a payment for XXXX, which I did ( XXXX ) but was not applied to my mortgage. Second was sent by mail ( XXXX ) XXXX and will not be applied to my mortgage. 

Ditech has a statement that says until the past due is paid payment will be held in a separate suspense account ( what is that? ). Those payment will not go toward my mortgage until I pay what they say I am past due. 

So, my agreement with them to add XXXX a month is bogus. I tried to call and the extension for a representative is no longer in service. 
Also, my payment is due on the XXXX but a rep. told me if I pay it by the XXXX there is no problem, I have been doing so. I emailed the contact they gave me to change my due date to suit my schedule and found out it was bogus. 


I am scared they are scamming me since I have been receiving documents that they are going through law suits for this very thing. 

Please help, I don't want to lose my home over one late payment and them not honoring an agreement.