davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion reported my inquirys deleted on my credit report then all the sudden reinserted them back weeks later. I was never notified in writting about the change. I 've been doing research and found that this is against consumer credit laws. I 'm requesting for them to be removed as previoisly reported.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL CREDIT AGENCIES LISTED ACCOUNTS NOT MINES AND OUTDATED REPORTING WITH CONTINUE TO REFRESH DATA ... REMOVE ALL FROM FILE ASAP ... '' PUBLIC RECORDS/ BK CH XXXX, XXXX XXXX, XXXX, XXXX , XXXX, XXXX ''
Consumer complaint received 2015-09-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX has reported false information. They have illegally re-aged this debt. The original debt from HSBC Bank was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. 

I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with XXXX XXXX or HSBC Bank. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX. XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. 

I would also like to report to CFPB to notice it says original creditor HSBC Bank Nevada when in truth it is just HSBC Bank. Are they both the same or is that just another scheme. 

ThanksXXXX XXXX
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (AL)

My credit card is Citi bank, In the end of XXXX and very beginning of XXXX 2016 I had {$2000.00} dollars paid off to totally what I owed to my credit card ( over XXXX XXXX dollars, a lot of money ). 
On XXXX XXXX I found out they charged me {$27.00} dollars for interest although I already paid off. I called them and a lady representative of Citi told me " You do n't have to worry about it anymore '' Then on XXXX XXXX they raised it up to {$38.00} dollars as claiming what I " owe '' them. I called them again, they said they 'd schedule me a callback from the supervisor, but they never called back. 
The Citi bank unfairly treated me and lied to me not just once.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Robert L. Tankel, P.A. (FL)

This is the second year that I receive a claim of lien from the same collection agency ( Tankel Law Group ) for not paying my hoa fees to XXXX XXXX XXXX XXXX in a timely manner. I have not received an email stating my HOA fees are due. Last month I received a letter in the mail stating that I owe XXXX dollars, when my yearly hoa fees are for XXXX dollars. Last time I didn't dispute it, I just paid the money. I'm going to pay the money and I have no problem with paying a penalty for being late. What disturbs me is that it appears that I'm being overcharged, and I wonder about the legality of the situation. I get the impression that my HOA company which is located in XXXX, fl has some kind of agreement with this collection Agency which is located in XXXX, fl. 

The first time I received a claim of lien was in XXXX, in XXXX i received an email from my hoa and i paid online, XXXX is the second such claim. I have an email trail for XXXX if that is required.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-08-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I opened a Citi Gold Checking account during a promotion that Citi was running to give a XXXX ThankYou points for new members who signed up with promotion code XXXX and satisfied several terms. I confirmed via secure message to Citi on their site that the account was set up properly with promotion attached on XXXX/XXXX/XXXX. After completing the requirements, I confirmed via secure message that the account had the promotion attached still and I had successfully satisfied the terms of the promotion. Citi was able to research and confirm all of these things and stated there was a waiting period of a maximum of 90 days for the promotional points to post to my account for use. Starting with the last day possible for the points to post, XXXX/XXXX/XXXX I followed up with Citi via secure message to ensure everything was good and the points were going to pose. I was again assured the points were going to post but they never actually did. I followed up multiple times and received responses on the following dates all assuring me the points were going to post : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition to the correspondences via secure message, I received 2 " E-communication '' letters on XX/XX/XXXX and XX/XX/XXXX assuring me the points were going to post. A familiar refrain of all of these communications was something to the effect of " Well the points should have posted already so we went ahead and posted them again but now you just have to wait another 30 days. '' over and over and over again for the past 6 months that I have been waiting since completing the promotion in accordance with Citi 's terms. During this wait, I have been charged {$42.00} in monthly service charges on the checking account and I ca n't help but wonder if the prolonged nature of the resolution to this issue has something to do with the amount of money collected in monthly service charges.
Consumer complaint received 2015-09-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (FL)

I made a small purchase XX/XX/XXXX under Best Buy 's " 18 months free interest '' terms on my CitiCard administered account, with the intention of paying the account down to {$0.00} prior to the end of the grace period, as I had done on XXXX previous occasions. 

In keeping with the spirit CitiBank has demonstrated with its customers, which has led to the multiple complaints against them with your agency, they did not honor the terms of the Best Buy free interest offer. When I was delayed in making a payment due to unemployment, they imposed criminally usurious penalties on my account. Please see the handwritten notes on the attached statements of my attempts to resolve the matter in a fair, and legal, way. XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; undated ; XXXX. XXXX, XXXX. ) These were all rejected. 

I refuse to pay the ridiculous penalties imposed by CitiCard, which now add up to over 500 % of the actual principle balance due. For this they, and/or the collections agencies to whom they have sold my loan, have placed monthly negative notes with the Credit agencies, severely damaging my credit rating.
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I got invalid interest charges every month although I made full last statement 's balances by the due dates. I have been charges interest since XXXX to XXXX and I contacted customer service many times via email, messages, phones but Citi kept saying it 's valid charges and gave me no more explanation. I still make full payments except the invalid interest charges until the issue is resolved. Customer service specialists were not helpful and they always told me to do sth to avoid charges, but I followed and still be charges appr {$65.00} each month just for interest on zero balance.
Consumer complaint received 2016-11-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Eastern Asset Services LLC (MI)

On Friday, XX/XX/XXXX, I received a call from XXXX XXXX XXXX a representative from a collection agency named XXXX. XXXX XXXX advised me this was a debt collector and his intent was to collect a debt that had been sold several times from the originator " XXXX XXXX, XXXX Credit Card. '' He stated I owed upwards of {$700.00} and he planned to seek legal charges ultimately resulting in me paying close to {$3000.00} in legal and penalty fees if I did not pay the {$700.00}. In the beginning, I informed him the debt was paid for less than what was owed ; until I went home and checked my records and discovered that I received a letter from XXXX XXXX XXXX stating I was due a refund or at least since my account was a " charge off '' left me to believe I was no longer responsible for the debt, because the letter from XXXX XXXX clearly states " Charged-off '' accounts are accounts XXXX determined are not likely to be collected and are closed to future charges. Since then, this account has been removed from my credit report as I assumed this was finally settled. Initially, I was in contact with several representatives from XXXX such as collection manager " XXXX '' ( XXXX ) and XXXX representative XXXX XXXX ( XXXX ; FAX : XXXX ) advised him I was in possession of the letter from XXXX dated XX/XX/XXXX that originally explained the consent order and how the " Charged-off '' account worked as described in the letter from XXXX and the Consent Order from CFPB. I made several attempts to contact XXXX directly ; however, they informed me they sold the account and they no longer could comment on the case I would have to contact the collection agencies to obtain information. I again talked to XXXX XXXX who informed me I was to send him a fax stating I had paid the bill ; however, when I attempted to explain to him the mix-up, he refused to listen and stated he was going to order his staff to begin the legal process against me by checking assets, financial and employment reports ; in addition, not only would this lead to increased fees, but criminal charges may also apply as well. I took this as a threat, even in the initial telephone conversation I was not able to give a full explanation concerning this issue as XXXX XXXX insisted on interrupting me with threats to pursue legal actions. According to your Consent Order to XXXX XXXX in MONATARY PROVISIONS VI Order to Pay Redress, item # XXXX it addresses the issues of " Charge-offs, '' if I am reading it correctly, this case should be closed and can not be enforced. I mentioned earlier that several other collection agencies have purchased this account ; however, I have heard from none of them until I reached out to them all on XX/XX/XXXX based on information I received from XXXX. Agencies such as XXXX ( XXXX ), they claimed I owed {$640.00} ; XXXX ( XXXX ) who claimed I owed {$660.00} on account number XXXX, and finally, XXXX XXXX, I spoke with XXXX who then transferred me to XXXX XXXX XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Radius Global Solutions LLC (NJ)

I paid off my student loan from XXXX but I am getting letters in the mail from a comany called Central Credit Services LLC. They are stating that I have not paid off my debt. But I have documentation that I have paid my debt in full. I believe they are a scam. 

Their contact information is Central Credit Services LLC XXXX MO XXXX Phone XXXX
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, IL XXXX REPORTED XXXX ( XXXX ) DELINQUENT ACCOUNTS AS A WAGE EARNER PLAN STATUS ON XXXX/XXXX/XXXX ; BOTH OF WHICH ARE THE SAME ACCOUNT. THEY HAVE THE SAME ACCOUNT NUMBER AND CREDIT HISTORY DATA. THE PERSONAL UNSECURED LOAN WAS OPENED ON XXXX/XXXX/XXXX AND CLOSED ON XXXX/XXXX/XXXX AS A CHAPTER XXXX BANKRUPTCY. I CONTACTED THE CORPORATE OFFICE ON XXXX/XXXX/XXXX, HOWEVER THE REPRESENTATIVE STATED SHE COULD NOT PROVIDE ASSISTANCE AND TRANSFERRED THE CALL TO A LOCAL NORMAL, IL BRANCH. I SPOKE WITH THE BRANCH MANAGER ( XXXX ), WHO STATED HE DOES NOT KNOW WHY HEIGHTS REPORTED THE ACCOUNT SINCE THEY HAVE COURT NOTICE THAT THE ACCOUNT WAS INCLUDED IN A CHAPTER XXXX DISCHARGED BANKRUPTCY. THE ACCOUNT WAS INITIALLY CODED AS A CHAPTER XXXX WAGE EARNER PLAN, BUT IT WAS LATER AMENDED TO A CHAPTER XXXX BANKRUPTCY, WHICH THE COMPANY RECEIVED OFFICIAL NOTICE IN XXXX. A REVIEW OF MY CREDIT REPORT SHOWS THAT HEIGHTS FINANCAL SERVICES PREVIOUSLY REPORTED THIS ACCOUNT AS A CHAPTER XXXX IN XXXX, BUT AS OF XXXX, THE ACCOUNT INFORMATION WAS CHANGED TO SHOW PAYMENT STATUS AS WAGE EARNER PLAN. ALSO, THE ACCOUNT IS REPORTED AS DELINQUENT BECAUSE NO PAYMENT IS BEING RECEIVED. THERE HAS BEEN NO PAYMENTS ON THIS ACCOUNT SINCE XXXX WHEN IT WAS CONVERTED TO A CHAPTER XXXX. IT IS NOT A WAGE EARNER PAYMENT STATUS, THUS NO PAYMENT IS REQUIRED AND THERE IS NO DELINQUENCY. I HAVE ATTACHED DOCUMENTATION SUPPORTING MY CLAIM THAT XXXX XXXX SERVICES IS AWARE OF THE CHAPTER XXXX DISCHARGED BASED ON THE FACT THAT IT WAS REPORTED ON MY XXXX TRANS UNION CREDIT REPORT. IT IS UNCLEAR WHY MY ACCOUNT HAS CHANGED STATUS AFTER SIX YEARS OF ACCURATE CREDIT REPORTING. I AM INCONVENIENCED BY THIS INACCURACY. IT HAS NEGATIVELY IMPACTED MY CREDIT REPORT, AS WELL AS, MY CREDIT SCORE. I WAS DENIED A CREDIT CARD BASED ON THE INACCURACY OF XXXX XXXX SERVICES.
Consumer complaint received 2015-09-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (AZ)

I am having Ally checking account and I was using the Bill Pay service of it to pay for XXXX XXXX. I made the payment and as per Ally it has " paid '' status. In fact i made the same payment XXXX. But after 3 months I come to know that XXXX has sent it to collections. When i talked to Collections agency they told me that payment were not successful. Now XXXX put {$6.00} as late fees. I finally paid the amount plus late fees. Sent an email to ally last week and also talking to their customer service. Upon talking to Ally Customer Service they are saying that payment went thru. I do n't know who is telling the lie - XXXX or Ally? End of the day - multiple payments has been made from my account and I end up paying late fees and deal with Collections agency also. Last time when i spoke to XXXX Customer service they told me that payment did n't went thru.
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I had a number of items presented to my checking account for payment. At the time the items were presented, I had an available account balance of {$290.00}. The following items were presented : {$30.00} {$30.00} {$20.00} {$100.00} {$440.00} I knew that there would not be sufficient funds to pay all items but at least the top four items to totaling {$180.00} would be covered since there was {$290.00} available in my account. 
The next morning, I received notification that I was charged three fees @ {$34.00} each. I called the bank to inquire why there were so many fees when there was enough money to cover XXXX out of XXXX items presented. I was told that the bank policy is to pay the largest item first then all items follow. I still disputed that because there was n't enough to cover that {$440.00} item. I told the rep that was an unfair practice designed to overcharge their clients. She could n't dispute and said sorry but there was nothing she can do.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by XXXX. I have received a response that clearly violates my rights according to HIPAA. 

Collection Services of Athens INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
Consumer complaint received 2017-02-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (IL)

Regions Bank has provided inaccurate information to CRAs and XXXX in regards to my account. They are claiming I owe a balance of {$150.00} and have listed the same debt several times on the reports and to XXXX. They have not mailed a bill to my address or contacted me by phone in regards to this bill. In addition, in 2014 they swept my account for $ XXXX to satisfy a loan I had with them without my consent and now they are still saying I owe them and providing the CRAs and XXXX with this information.
Consumer complaint received 2016-11-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

My online checking and savings accounts were hacked and nearly all funds were transferred out to external bank accounts via online bill payments within 24 hours. I was not notified of " suspicious activity '' by Chase, however I was locked out of my online account. I did call Chase, the problem was found and I did go into a Chase location and fill out all paperwork. Now Chase is holding my claim in " pending '' status and all I can get as an update is that the Claims department needs XXXX - 5 business days to process the claim. We are going on day XXXX, they should have more information to offer than " pending '' or telling me " XXXX - 5 days ''.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (OR)

I started using a new card with American Express called the Every Day card. I have been using their gold card since 2001 and paid on time. I always pay my bills at the first of the month and assumed that would be the due date for this card. Yesterday when I went online to make the payment, I noticed the due date had been on XXXX XXXX instead of XXXX XXXX. I had been charged a {$27.00} late fee. I called the company and requested the fee be waived. They denied my request. I believe this request is reasonable and American Express has always been great to work with in the past on billing disputes etc.
Consumer complaint received 2016-09-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, 2016, I walked into Wells Fargo to deposit a check into my business account. When I approached the teller to make the deposit she brings to my attention that I do not have a savings account with Wells Fargo. I informed her that I was aware of the fact and I did not want a savings account. She made two more attempts to get me to open a savings account, to which I declined. On the teller 's fourth attempt, I informed the teller that I was short on time, but I would agree to speak with a personal banker to inquire about opening a savings account only if the personal banker were available after we completed the deposit of the check. After the check was deposited, the personal banker was not available, therefore, I left Wells Fargo without speaking to anyone regarding the savings account. I now realize that I have a credit inquiry from Wells Fargo on that day. I was never informed they will check my credit, nor did I authorize anyone to make an inquire on my credit.
Consumer complaint received 2016-01-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (NJ)

I have been receiving disturbing/harassing calls pertaining a debt ( or debts ) not mine since XX/XX/XXXX. Please refer to my prior case number XXXX ] ( XXXX XXXX. 
Since last reported to you, I have received numerous calls XX/XX/XXXX from a company called Premier Recovery Group XXXX. They leave messages indicating they have received formal complaint pertaining a debt and we need to contact them immediately at XXXX. 
Beginning XX/XX/XXXX through XX/XX/XXXX various calls from unknown numbers ; from various states such as XXXX, XXXX ; XXXX ; XXXX and XXXX XXXX. 
XX/XX/XXXX XXXX XXXX ; message from Premier Recovery Group ; final notification, file will be closed and referred out. File No : XXXX. Call XXXX. 
From XX/XX/XXXX to XX/XX/XXXX several calls from XXXX. 
XX/XX/XXXX at XXXX XXXX ; message at request of Attorney General of the State call XXXX. ( call received from XXXX XXXX XX/XX/XXXX at XXXX XXXX ; message at request of Attorney General of the State call XXXX. ( call received from XXXX ) Please note that I have no outstanding debts. I have checked my credit reports and find nothing suspicious. I have not received any correspondence in the mail from any agency regarding any outstanding debt or debts. They are harassing me regarding a debt or debts pertaining to someone from XXXX with a similar name ; different middle initial ; different social security number.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I have a checking account at JP Morgan Chase. I was surprised to learn that Chase does not honor the stated date on the check if presented to them for payment. Under the UCC, I should be able to give Chase notice of a postdated check and have them honor it without paying a fee. When I advised them of the postdated check, they told me they could n't accommodate my request. Help!