davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

We opened a free checking account in XXXX with Keybank in XXXX, NY. In XXXX, we opened a home equity line of credit with the bank. We discovered a $ XXXX auto deduction on my checking account in XXXX, XXXX. We inquired about these charges with XXXX and XXXX XXXX at Keybank in XXXX. They disclosed that without our knowledge or consent, a bank employee changed our free checking account to a high-fee account requiring a minimum balance of {$100000.00} in order to waive the $ XXXX service fee. At no time in our long history with Keybank, did our checking account ever hold balances near {$10000.00}. The bank has removed a total of {$3100.00} in service fees through XXXX, XXXX from our account. We pursued a complaint and a request for restoration of these funds with the Executive Client Relations Group at Key, where it was handled by XXXX XXXX, XXXX XXXX and XXXX XXXX. At no time did the team communicate with me through email, in spite of repeated requests that they document their actions and decisions in writing. On Friday, XX/XX/XXXX, after XXXX XXXX on a three-day weekend, XXXX XXXX, Case Manager, called to inform us that a final decision  was made and that the bank took responsibility but would restore only {$2000.00} of the money they wrongly deducted. They would keep {$1100.00}. We told XXXX XXXX this was unacceptable, deceptive and fraudulent. Responsibility required full restitution of funds wrongly taken from our account. We asked for a decision in writing. He refused. We asked for a call from a supervisor. On XX/XX/XXXX, XXXX XXXX phoned, repeated that the bank would retain {$1100.00} as a final decision and refused to put the decision in writing. We asked again for a written determination and explanation of the bank 's retention of our funds. He vaguely cited that because we did not catch this automated deduction earlier we were not entitled to a full refund and hung up the call.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nevada Credico, Inc. (NV)

ATTENTION TO QUANTUM COLLECTIONS ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company QUANTUM COLLECTIONS ( XXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (UT)

Uacc # XXXX is reporting a debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (WV)

Yes my name is and Transworld systems Inc/XXXX. I have never been contacted by this company by phone or writing no voice mail or any type of representation that I owed a debt to anyone recieved no mail. One hit from this company has already went against my credit recently as a day ago for XXXX dollars which if was aware of would have paid. Now I believe they are hitting me with another one as my credit monitoring has stated that they are putting another one against my credit soon. Again with no reporting to me or anything. I have not recieved a single bill statement notice to appear or anything. Was not given fair oppratunity to make right before going against my credit. I need help my credit is excellent and should not be ruined or tarnished for a company that's has never notified me.
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (NY)

My original account maturity date was on XX/XX/2020 but then it was extended twice to XX/XX/2020 I was making payments on time and now after my account reached the maturity date I was shocked by outstanding balance of more than XXXX $ which is not acceptable and does not make any sense I have been paying for my car for over 6 years and I believe that this bank was overcharging me the whole time There is very high interest about 26 % and I already paid about XXXX $ as a down payment I believe there is so much fraud about my contract and there is a lot of inaccuracies regarding my principal, interest fees and late fees that made me overpaying for the car And now after I reached the maturity date they want me to continue paying this unexplained balance
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (WA)

On XX/XX/2023, I received a notification about possibly fraudulent activity on my US Bank credit card. I immediately called US Bank and shut the card down, and reviewed transactions which had been made that day. The first fraudulently made charge was at a XXXX, and there were several others that did not go through. Two fraudulent transactions did go through- one for {$36.00} at the same XXXX XXXX and one for {$80.00} at a XXXX XXXX and XXXX XXXX . US Bank is refusing to nullify these fraudulent transactions, as they show them as being made using the chip on my credit card.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I am a XXXX XXXX XXXX XXXX. I have a mortgage through Bank of America ( originated with Countrywide Homeloans ) ( Acct # XXXX ). My mortgage has faithfully been paid via allotment from my retired pay by the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ). 

Bank of America ( after several calls ) informed me that they no longer accept allotments from XXXX, effective XX/XX/2020 ( NOTE : they did accept my XXXX XXXX, 2020 payment ). I don't recall receiving notice of this change, but I certainly could have missed it and don't dispute that element of the story. 

Payments were made by XXXX on XX/XX/2020 and XX/XX/2020 in the amount of {$1400.00} each. Neither payment was posted against my mortgage, thus leaving me 2 months in arrears. I will send a check to cover those two months, but the {$2800.00} is lost. Bank of America says that XXXX should have it ; XXXX says they sent it and it has not been returned. Bank of America claims that XXXX XXXX XXXX XXXX  acts as an intermediary for XXXX and that the money was not forwarded to them. XXXX says that they don't work through an intermediary bank and that allotments are sent directly to the bank as requested by the retiree. No one I speak with seems to have a clue. Bank of America does admit to a major change in their mortgage system beginning in XXXX of this year. 

I need help!
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (OK)

XX/XX/2020 : Closing the sell of our property and land Prior to the closing date the closing company called and went over the information on the closing disclosure. 
My husband is a 100 % XXXX Veterans and has exemption from property taxes by the State of Oklahoma. They had charged us with {$800.00} for the 2020 property taxes. I told them at the time that we do not have property taxes due to his exemption.

On the day of closing when we closed, the Property Taxes were charged against us. I again told the closing company that we are exempt. They stated that they were directed by the Mortgage Company GMG to charge. 
We then went to our XXXX County Tax office to see if we were responsible for the property taxes they had charged us with. They said we DID NOT owe any taxes for the 2020 year. I again contacted the closing company to no avail. I then emailed the Mortgage Loan officer and her response was, " We have to collect for
the taxes due for the year. If they aren't due from XX/XX/XXXX to closing date then the ______ (

buyers ) will get a refund once the account is analyzed after the first of the year ''. The mortgage company is holding our money and plans to " Refund the Buyer ''. This is our money not the buyers.
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have tried twice to make online payment and 2 weeks later the amount is taken out when I have no money in account. Kohls credit calls every day back to back. I have answered and told them I am at work and to quit calling and they just call right back. I owe XXXX bucks. I tried to set up online payment plan due to covid but never got an answer.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is a complaint against Experian. On XX/XX/2020, I spoke to Employee named XXXX in Specialized Team, she was very irate and getting angry why I called.

She did file a dispute against the company. I requested to speak to her Manager, she declined to transfer. I had issue with the Membership, she provided me wrong phone number. 
Experian is very judgmental and is biased reporting consumer information. Even if the Creditor is reporting something false, inaccurate, Experian would not want to dispute it. Per communication with several Attorneys, this is unfair and unethical practice, Under FCRA a Creditor can not report a consumer just to make their commission, interests, and collect money which a creditor is not due. 

XXXX kept on saying if you have a outstanding debt then a creditor will collect all the charges.
Consumer complaint received 2020-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: FIRST REPUBLIC BANK (NJ)

I am trying to refinance my student loans. My current lender is First Republic. In order to refinance with another company I need a loan document stating the it is a student loan or an education loan, or a signed letter from First Republic stating this. A simple one liner would suffice. I have emailed and called several times. My first request was on XX/XX/2020, then another in XX/XX/2020. I have emailed and called them several times since and no one has responded to help me. I am now unable to refinance my loans with any other company.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NY)

I had been a XXXX XXXX XXXX  client for 15 to 20 years. I received a notification that XXXX XXXX would sell their bank to US Bank. I took a look through the documentation and nothing jumped out at me. I realized I would lose some of the benefits XXXX XXXX provided but I knew those were unusually generous ( for example, they paid back any third party ATM fees ) and that was fine. 

On Friday, XX/XX/XXXX, I tried to withdraw my money from my account and was told I had " exceeded my daily limit ''. My limit has been {$500.00} for quite a while. I tried less and still received the same message. I then tried calling XXXX XXXX, was told there were issues with the merger and someone would investigate and call me back. I never heard from anyone. 

The next day, XX/XX/XXXX, I am still getting " you have exceeded your limit '' even though I hadn't taken out a dime since Thursday. Now I call am told that US Bank will not allow any XXXX XXXX customer to take cash out of an ATM until the XXXX or XXXX. if there was any notice given of this, it was not obvious as it should have been if customers were going to be denied access to their money over a holiday weekend. I was forced to take a cash advance against a credit card, something I never do. 

On XX/XX/XXXX, I am finally able to withdraw cash but I am limited to {$300.00}. I call US Bank and they say they will not raise anyone 's limit unless they've had a card for two months and an account for a year. I have had this same account and card for decades but because this is a merger, it resets their close. This is completely unacceptable and should have been clearly and obviously disclosed to clients so that they can properly prepare ahead of US Bank 's lockdown.
Consumer complaint received 2020-10-14
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: TRUIST FINANCIAL CORPORATION (PA)

I am filing a complaint of non-compliance against the following collection companies : 1 ) REGIONAL ACC : Acct # XXXX 2 )  XXXX XXXX ( XXXX ) ACCT # XXXX 3 )  XXXX ( XXXX XXXX XXXX  ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Consumer complaint received 2020-10-20
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MONEY SOURCE, INC., THE (NV)

I received a letter dated XX/XX/2020 from '' XXXX XXXX '', informing me in this letter statement : " This letter is to inform you that we have received the request and will begin withdrawing the monthly mortgage starting on XX/XX/2020 ''. This amount was to be withdrawn from my banking account using my routing number and banking account number. But then I got another notice from " XXXX XXXX '' saying that " The Money Source '' ( TMS ) will begin excepting payment and managing my payments on XX/XX/2020. It turns out that TMS debited the mortgage  payment out of my checking account on XX/XX/2020. It used my banking information that it had on file from the previous times of me making my mortgage payments to TMS, that were set to auto pay electronically to TMS, before I even applied for refinancing through XXXX XXXX, on around XX/XX/2020. So because I was under the understanding that ( TMS ) would be debiting the payment for the following month ( XX/XX/2020 ), because of the auto-pay setting that debited the  XX/XX/2020 payment, it would make that next payment for me. But the payment was not made because TMS told me that the payment would not be automatically debited from my checking account that was, and still is, on file with TMS, to use to draft the payment. As consequence for  this XX/XX/2020 payment not being made, TMS reported me to the reporting credit agencies to let them know that I failed to make the XX/XX/2020 payment. Again, I was under the impression the payment would be automatically paid. This has had a negative affected on my credit score, in such a way that is preventing me from receiving refinancing at an even lower interest rate. I am veteran, and this has been a little confusing for me. Being a veteran is how I got this mortgage in the first place, and I do not think that I should be held responsible for the some what confusing information that I got from both of these companies regarding how the payment will take place. I have  always made all my mortgage payment on time with XXXX XXXX, as well as with TMS, before this latest incident happened. I hope that I can receive some fair help in dealing with this situation. Thank you. XXXX XXXX
Consumer complaint received 2020-05-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-10-15
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. (FL)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE STOLE AND USED MY SOCIAL SECURITY NUMBER AND PHOTO ID THESE ACCOUNTS ARE FRAUDULENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT ED/XXXX Account # : XXXX Account Name : DPT ED/XXXX  Account # : XXXX
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NY)

On XX/XX/21 I was given a return of XXXX from cashapp in which I was scammed for by another person whom I gave no permission to use my account The said account that the money was returned to is closed and I cant withdraw my final funds or cash it out to another card
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

XX/XX/2020 I received 2 email notifications informing me that 2 duplicate payments were scheduled to come out of my account for my {$400.00} monthly payment. When I log into the account I am unable to see any " pending '' payments only a payment history and therefore I am unable to edit and/or delete the duplicate payment. I immediately called Santander to delete the duplicate payment to prevent my checking account to the negative. I was advised " we are unable to delete a payment because of a system glitch, call you bank and place a stop payment ''. I called my bank informed them of the issue and they stopped 1 of 2 payments in the amount of {$400.00}. Today XX/XX/2020 I logged into my account to make my scheduled payment of {$400.00} ON TIME and was informed I would only be able to pay via debit card and be assessed a Convenience fee of {$2.00}. I called Santander again and was advised " since the last payment was NSF the " system '' locks you out until 6 monthly payments are made with out issue. Had the system not had a " glitch '' and had I been able to edit my duplicate payment there would not be an issue at all. I was never contacted regarding the matter prior to the due date nor was I allowed to continue making the payment as I have been all along.