davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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. (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several items that are currently listed on my credit report. I have recently reviewed my credit report and have found several negative items that require your attention. I am requesting that you either provide me with clarification regarding the information listed or delete the items immediately from my credit report. 

Firstly, regarding the following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account names and numbers listed are questionable. I request that you either clarify the information to me or remove these accounts immediately from my credit report. 

Secondly, the following personal information is incorrect : XXXX  and XXXX. These are not my employers, and I demand that they be deleted from my credit report immediately. 

Furthermore, I have no recollection of authorizing several inquiries that have been made on my credit report. Specifically, I demand that you remove inquiries made by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing these credit pulls, and I demand that they be removed from my credit report immediately. 

Lastly, I request that you either clarify or remove the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires clarification or removal. 

I am requesting that these items be removed or clarified as soon as possible. Please provide me with written confirmation of the actions taken to resolve these disputes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

on XX/XX/XXXX sat with a XXXX XXXX the Commerical morgtage representativeve from citizens bank and needed to apply for a construction to build a second home in XXXX  NC I explained to him that i just purchase a property in XXXX nc which had a small house on it and was tearing it down to build a new bigger home. 
I submitted a Hud settlement sheet to show the purchase along with all other documentation he requested. 
After 8 weeks i was denied the loan because the underwritter saw that it was a construction loan to a construction loan which was clearly seen on the Hud settlement paperwork which was submitted 8 weeks earlier. 
Prior to receiving my denial letter which was dated on XX/XX/XXXX XXXX XXXX reached out and asked me on XX/XX/XXXX for the {$540.00} appraisal fee. I asked why i am paying for a appraisall fee when there was no house on this lot ( was removed on XX/XX/XXXX ) XXXX XXXX said it was part of the process. 
Citizens bank went ahead and debited my account {$540.00} on XX/XX/XXXX. 
My question to XXXX was if i was denied the loan on XX/XX/XXXX then why did citizens remove the funds from my account on XX/XX/XXXX I have reached out to XXXX and his boss XXXX to get my {$540.00} put back into my account as of this email i have yet to hear from both parties on this matter also to this date i have not received any copy of a appraisal that i paid for. 
I feel XXXX XXXX knew from the start that this would be denied but wanted to make his application numbers work for him in the first quarter of the year and continued to go down this road for quotor purposes
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

First, when I opened business account with Well Fargo they forced me to have open credit card even I did not want it. 

Second, i used business checking to do business with XXXX XXXX when i stopped did money transfer in XXXX I already submitted closing business to Well Fargo, In XXXX, a person from Wells Fargo name XXXX XXXX sent me a package to renew money transfer service, I told him that I stopped that business and closed that account related to that business already. My business name : XXXX XXXX XXXX XXXX but he sent me a document which is somebody elses business and somebodys name not me and asked me to sign, I refused and he closed my accounts without any explaination.
Consumer complaint received 2023-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc. (NC)

During the early afternoon of XXXX, 2023, I was called by a man identifying himself as an Officer from Customs and Border Protection, in XXXX XXXX. He stated that someone with my name had been receiving XXXX XXXX, stolen packages and $ $ from XXXX and XXXX, and he asked if that was me. When I denied this, he then told me my ID had been breached. Because of this, he said he would pass me onto his colleague, XXXX XXXX, the XXXX Marshall, on XXXX. He told me to expect two Marshalls at my house the next day, that there would be an arrest warrant and that I could spend time in prison. He informed me that I had two options to resolve this issue, firstly, to hire a Criminal Lawyer and obtain Courthouse protection, or secondly, immediately provide money. I was able to withdraw {$5000.00}, then he directed me to a Bitcoin machine at a gas station. I was provided with a bogus QR code via a text message, my personal wallet and instructed to open an account and deposit the money. Later in the evening when I tried to access the XX/XX/XXXXmachine, it failed to recognize my identity, thereby making my money inaccessible. I have emailed back and forth with XX/XX/XXXXand their policy does not support or sympathize with victims of scams and will not refund the money.
Consumer complaint received 2023-03-19
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: CARCO Group, Inc. (FL)

I reported identity theft several times. Maybe this is an attempt to ruin me. There are over 30 to 40 inquiries on my report that I didn't do or approve. I have tried for a couple years to get these inquiries off my report. 
A school on my report. I never attended. I disputed - XXXX XXXX twice. It came back as me as owner. WOW! With No grades or activities, class work reported I don't understand how easy fraudulent activity Is put on my report, but hard to get off. 
I have never seen anything like this. Only a idiot put that many inquiries. Why can't y'all see that. 
and remove these inquiries. 
Thank you
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MS)

I received notification from creditor that a debt that the referenced account was sold. However, I requested validation of the debt on XX/XX/year>. However, all I received was an itemized statement. The statement did not have much of any information on it. Therefore, nothing that I requested was presented to me. I sent another letter around XX/XX/year> letting the creditor know that the information that they sent did not meet my validation request. I recently received another itemized summary on XX/XX/year> from another creditor who has bought the debt. I sent another letter on XX/XX/year> requesting validation of the debt.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Wakefield and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

Recent conversations were initiated with PHEAA/AES. No matter who I seem to speak to in Customer Service at AES/PHEAA, the individual clearly has no reasonable expectation of respect for borrowers. Every interaction to me ends on a negative note and the Representative instead of de-escalating the situation, attempts to argue with me or become verbally agitated and/or annoyed with questions that deserve logical answers instead of opinionated ones. I have received " XXXX '' on multiple occasions who claims to be an Account Specialist. The most recent conversation, XXXX seemed to bring up past conversations trying to compare business at my Employer to business at AES/PHEAA XXXX I'm not entirely sure what the thought process was behind his motives, but I do feel each time I conversate with this individual, that his discussion points are inappropriate and fall off topic. He continues to promote himself by mentioning multiple times that he's worked at AES/PHEAA for 11 years. I still get confused with what that has to do with the complaints and concerns that I have when I call in. He also contradicts himself when he claims that he can not disclose any disciplinary action details against employees, but then he mentioned in the last conversation that a previous employee I had issues with no longer works there ( XXXX ). In the course of each individual 's duty at AES/PHEAA, it is never appropriate for employees to bring up details to the lengths that Jon went to, regardless of how long they have been at the company. There is much concern over the growing issues with customer service at AES/PHEAA . I am not an anomaly as I have heard other accounts from other individuals about the same issues. I may be one of the " few '' that actually holds people accountable for their negative actions. Any employee who is tasked with responding to this complaint is strongly advised not to ignore it and/or not to provide a canned response that appears as though the Agent never did any thorough investigation into the conversations that took place. There are still open complaints against AES/PHEAA that have yet to be answered, so I would recommend providing responses to those as soon as possible to avoid additional complaints being opened. I may initiate FOIA requests if I feel that my complaints are not being handled appropriately including a copy of all recorded phone conversations.

Thank You.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (TX)

Citi enrolled me in a Payment Safeguard program on XXXX/XXXX/XXXX without my knowledge or consent, and I just discovered it last week. 

According to this CFPB press release ( XXXX ), " From at least XX/XX/XXXX through XX/XX/XXXX, Citibank actively marketed and enrolled consumers in XXXX debt protection add-on products : XXXX, ' XXXX, ' XXXX XXXX, ' XXXX XXXX, ' and XXXX. ' [ Emphasis added ] I 've been a Citi cardholder for nearly 30 years and just noticed the XXXX fee on my bill last week because it was large enough to stand out - nearly {$300.00}. The large fee stood out because my balance last month was exceptionally high ( over {$34000.00} ) due to all of the expenses of a household move. 

I called Citi to say I never signed up for the service, which protects against the inability to pay because of a job loss, illness, etc. I told XXXX at Citi that I XXXX from in XX/XX/XXXX with a full XXXX pension, and both my wife and I are on Social Security with steady income. He understood there is no way I ever would have agreed to a Payment Safeguard program and so agreed to refund ALL of the XXXX fees since XXXX/XXXX/XXXX when I was enrolled. 

But I also asked how I was enrolled in the first place. He agreed to file a POE ( Proof of Enrollment ) request, which should take 30 days. 

It seems that Citi is still fraudulently enrolling customers in services without their permission. While I applaud the CFPB for taking action against these companies, rather than just fining them, which hurts shareholders and ultimately customers, punitive action needs to stop the fraudulent practices. Responsible executives need to be held more accountable - fired, fined, or jailed. 

OVER {$300.00} IN INTEREST WERE ALSO CHARGED - Related to this household move was the fact that I notified Citi of my Change of Address but missed receiving a bill for XX/XX/XXXX. So because I my payment was late, Citi tacked on over {$300.00} in interest. They refused to remove the interest charge, even though it may have been their fault that I did n't get the bill, even though I paid the entire {$34000.00} bill the very same day they called, and even though I 've been a 29-year customer with a history of paying the bills in full each month. 

I will be changing credit card companies as a result of this experience, but I file this complaint to help expose unscrupulous and illegal practices that continue to this day.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ZENCO COLLECTION, LLC (NM)

At XXXX on Wednesday, XXXX XXXX, 2016 I got a voice mail message from someone who identified herself as XXXX XXXX XXXX She left a number to call her back and a reference number, but there was no further information about why she was calling. 

I returned her call around XXXX the same morning as she was quite aggressive about the time line in her voice mail. 

When I called I gave my name and reference number from the voicemail and was put XXXX hold for about two minutes. When the person came back on the phone they stated that they will calling about a pending case in XXXX XXXX XXXX and asked if I had ever heard of XXXX XXXX XXXX. I asked for the persons name and was told it was XXXX XXXX. She again stated that she calling about a pending case in XXXX XXXX XXXX. I stated that I needed a debt validation letter and she became angry and yelled that this had been through XXXX different collection agencies and since I was being difficult she would be putting the paperwork to garnish my wages and then said she would be taking 35 % of my paycheck and that since I worked for the government " good luck with that. '' And then hung up on me. 

I called back and the same woman answered the phone, I asked her to spell her name and she said in a very sarcastic way " XXXX, like XXXX '' and I asked to speak to her supervisor and she said she did n't have a supervisor. I asked " are you the owner of this company? '' and she said " hang on '' and put me on hold. Another person came on the phone and asked me to identify myself, I did and asked her to do the same. She said her name was XXXX XXXX. I asked her to provide the name and spelling of her company, Zenco XXXX. I also asked for the mailing address and she provided this information : XXXX XXXX XXXX, XXXX, Texas XXXX. She asked me to identify myself again and I did and then I explained to her that i had just spoken to XXXX XXXX who was very rude and threatening and that according for Fair Credit Practices that was not allowed. When I said that she became enraged and stated that they record all calls and she would review the call, but if I was n't willing to pay then they could do nothing and would be garnishing my wage and then she said sarcastically " good luck '' and hung up on me.
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Forster & Garbus LLP (NY)

I have been in a debt since XX/XX/XXXX paying mostly interest charges so I joined national freedom relief XX/XX/XXXX. XX/XX/XXXX, I was served papers at my work for XXXX of the cards.. I found out that they only worked on XXXX out of the XXXX cards I put in, and in that process their fee was {$2500.00}. I was so angry and upset. On XXXX XXXX, XXXX, I made an agreement with XXXX of {$100.00} a month to be paid on the XXXX of every month. I tried to make the next payment and they are saying that the agreement was for {$200.00}. I tried to explain that {$200.00} is too much. Of course they do n't care and told me that I have a judgment against me from XX/XX/XXXX..and now I broke the agreement. I explained that I had told her {$100.00} and theyre telling me I said {$200.00}.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (OR)

After requesting PMI removal in XXXX 2016 and fighting for months to obtain a fair appraisal of our property, two separate customer service representatives from Seneca Mortgage told me ( in a recorded call that both agents agreed to ) that my request for PMI cancellation probably was n't being taken seriously because " my property was n't worth anything. '' The customer service agents then proceeded to argue this " fact '' based on their own assessment of the land using the property taxes that my husband and I paid on the farm land. Neither agent understood what a " farm deferral '' was and that we pay a large reduction in property taxes, as we 're currently XXXX this land that is zoned for a subdivision of XXXX houses. Over the course of 5 months, Seneca failed, refused or was unable to complete this appraisal and transferred our loan to a different carrier. 
My husband and I feel that agents with Seneca conducted their own unofficial and unprofessional appraisal of our land and our request for PMI removal was ignored, despite the value of our property being appraised by our county at XXXX times our loan amount and us being current on all requirements of PMI removal via the Homeowners Protection Act.
Consumer complaint received 2016-05-01
Product: Credit card — 
Issue: Late fee — 
Company: KEYCORP (MI)

KeyBank has consistently posted payments made to my account late. A payment of {$330.00} was mailed by XXXX 's BillPay service, and was confirmed to have been delivered to Key by XXXX/XXXX/2016. KeyBank did not post the payment until XXXX/XXXX/2016, 5 days late. Since the due date was XXXX/XXXX/2016, KeyBank assessed a {$25.00} late fee. A payment sent the next month also posted late. XXXX mailed a check in the amount of {$95.00}, and confirmed it was delivered by XXXX/XXXX/2016. KeyBank did not post the payment until XXXX/XXXX/2016, 6 days late.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: KEYCORP ()

I have a Checking Account at Key bank, which has been open for several years.For the past 5 weeks I have not been able to transfer funds or pay bills on Online Banking. I have had XXXX lengthy conversations with Customer Service and Online Banking. Not only has this problem not been resolved, but no attempt has been made to enable me to transfer my funds or to find an alternate solution. I do NOT understand how it is legal for the bank to deny me access to TRANSFER FUNDS from MY OWN account.I do not reside in the US and need to transfer money, as I have been doing for 5 years, from my Online Banking checking account to a foreign exchange account. This is the money I live on. My credit card payment is due shortly and I need to transfer the funds to pay this and also to pay for my everyday expenses. I find this situation untenable. Please help. Thank you