davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

In XX/XX/year>, I used my Citi bank card to order from XXXX. What occurred afterward was terrifying on XXXX XXXX XXXX following purchase took place XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I file a dispute with citibank and on XX/XX/XXXX XXXX was withdrawn from my checking acct. XXXX acct was compromised. As a XXXX customer of citibank this decision has made me consider another institution Unhappy client Citibank XXXX XXXX
Consumer complaint received 2021-08-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (MO)

I had two previous complaints XXXX and XXXX regarding this matter. In both complaints they sent letters stating the accounts would be removed from credit file. I then went and proceeded to collect the total of XXXX usd in the form of a check. I stated in my affidavit the laws that were violated and what law stated for every violation there is a set fee for it. A few days after me sending this packet of documents I received another letter stating that I owe which is also attached. I then sent out an additional affidavit in response to that letter. Also sent with the affidavit is an inovice which can be found down below as well. They sent a letter with their logo on it, stated that I owe a debt and many more violations under the U.S. code 15 subchapter 1692.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (WA)

Refinancing my mortgage with the existing loan holder, Freedom Mortgage. I was told that the loan was closing in early XXXX, early XXXX, and most recently I was told in early XXXX that it would be closing today. My phone calls and emails have been avoided and not returned. Ive received multiple excuses as to why my loan is not closing.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (CO)

The XXXX payment was paid on time. However, the XXXX XXXX XXXX  portion of the payment was shorted to pay escrows. This is a Reg Z violation. I have not been told or provided an accounting of why this occurred. 

The leftover money was placed in unapplied funds and not credited to pay my XXXX XXXX XXXX. This was not known to me until the XXXX of XXXX when the truist informed me they would report me to the credit agency for being late. 

The company reps ' inability to explain why the XXXX XXXX XXXX was removed to pay escrows and not the XXXX XXXX XXXX has left me perplexed. I was told to pay {$1600.00} immediately to avoid payment default. I did so, and then the next day, I was asked for another {$400.00} payment, which I made. All this so I would not be called late on my mortgage. Please account for all this money and explain why no proof was provided when I requested documents. 

Not once were any request for doucumentation provided from turist. Emails were trippled verified, spam and junk filters were checked and nothing provided. 

I am requesting a full accounting of the money I have paid to Truist. I want to understand why my Reg Z rights were violated, leading to the removal of XXXX XXXX XXXX to pay escrows. I also want to know why my leftover funds were placed in unapplied funds instead of being used to pay the principal. 

The entire escrow situation created by Truist has led to this predicament. Truist 's actions have resulted in violations of TILA Reg Z, which is a serious matter. 

I make my payments on time and prove to you that I do in my pay history ; I sent {$2000.00} to pay for things that the truist team could not prove or describe. You unapplied my funds and placed me over a barrel to hold me in a payment default situation. Yet you won't tell me what I am paying for or why you placed me in this situation. I feel misled and I urge you to restore my trust in your institution. 

I had no choice but to blindly send money or face negative consequences. Please justify the TILA violations a resonable part of your business practices. You have harmed a good client, I am they type payer you want, you should not treat people who pay so terribly poorly. I feel unfairly treated and I urge you to rectify this situation. 

Please justify your actions. I still do not know what you want for XXXX payment due in two days. Please, Please Please communicate what it is I owe. You can at the veru least do that for someone who pays bills.
Consumer complaint received 2021-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hello. I opened a checking account at HSBC using a promotion. My account number is XXXX. 

I am supposed to receive a {$450.00} sign on bonus after I direct deposit a total of {$5000.00} in 3 months. The bank is denying the bonus claiming that {$5000.00} needs to be deposited each months. I am attaching supporting documentation. 

1. Copy of promotion that I received is attached ( name of the attached file is HSBC Promotion received.pdf ). Highlighted area on pager 3 states that a total of {$5000.00} needs to be deposited. It does not say that it needs to be deposited each month. For reference, I include a current HSBC promotion that clearly states that {$5000.00} needs to be deposited each month. Clearly, HSBC recognized an oversight and corrected it. 

2. Attached is copy of my bank ledger showing deposits, {$1500.00} each 2 weeks for the total of {$9000.00} for three months. 

I contacted HSBC a few times and it appears that they are confusing current promotion with the promotion I received. My HSBC case # XXXX. 

I would like HSBC to honor the promotion I received and deposit {$450.00} into my account as soon as possible.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I have yet to receive my 2019 tax document XXXX after numerous requests via phone and email. I am told that they are looking into the problem repeatedly and receive the same via email and regular mail. This has caused me to not be able to complete my tax return on time, which will lead to penalties and fees. This has gone on for a full year. There is no excuse for this omission.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I opened a bank account with Wells Fargo as a second bank and the problems started immediately I tried to overlook the bank erroneous ways but I feel that I was target I had a ach transfer going into this account and a direct deposit. This is the second time wells fargo closed an account with me back in XX/XX/XXXX they did so and later sent a lady saying the account was closed in error now they are doing in again I was told I made multiple complaints and alleged fraud and they refuse to tell me exactly what fraud was committed this is retaliation for complaints I made in several departments for the customer service or treatment I received from not being assisted with disputes etc
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Fair Collections & Outsourcing at XXXX XXXX XXXX XXXX, XXXX, MD XXXX is still reporting on my credit report and has been paid in full, the collection has been reported as paid off. Please see attached paid off notice.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citibank closed my checking account that I have had for 44 years without explanation or fore warning I received their letter a day after my account was closed causing me all kinds of difficulties : Auto debits checks written and pending auto credits that were due to be deposited into my account Much confusion because I could not access my account! 
I talked to a manager of Citibank and received no answers or explanations as to why they closed my account My sizable balance was returned to me again without explanation five days after closing my account
Consumer complaint received 2021-03-16
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: NAVY FEDERAL CREDIT UNION (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et. seq XXXX XXXX XXXX XXXX has violated my right by using abusive, deceptive, and unfair debt collection practices. i was told that i would be removed from XXXX XXXX along with my overdraft checking account that was in charge off status will be removed from negative reporting. so i agreed to pay the total of {$300.00} for my over drafted account. once i paid i was removed from XXXX XXXX and the Negative account or overdraft was never removed or payment history corrected as promised, only remark was ( paid, was a charge off but the missed payments still show. when i called to workout my issues i was told i paid the account willingly on my own and no one agreed to do anything for meXXXX XXXX XXXX XXXX deceived me and choose to report the account in a Negative viewing still after i paid in agreement. Section 15 U.S. Code 1692h Section h permits you to dictate the account ( s to which the payment is to be applied, as well as prevents the collector from applying payment to a disputed account. such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. XXXX XXXX applied my payment without consumer direction in mind i will be submitting an Affidavit of truth and prepare for monetary award and request the debt collector to pay your attorney fees if this is not updated.
Consumer complaint received 2024-09-09
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. (GA)

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation accuracy of information reported by XXXX, TransUnion, and XXXX. I request an immediate re-investigation of this item as its inaccuracies severely impact my XXXX XXXX. Per the FCRA ( Public Law XXXX ), Title VI, Section XXXX, Subsection XXXX, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (NY)

Our lease on our GMC XXXX completed in XX/XX/XXXX. We received our final bill that included the excess miles which we agreed were correct in XX/XX/XXXX. We immediately sent a check for the full amount and it was cashed, see attached. I also sent back the bill along with the check ( but did not keep a copy for myself since this was the 1st time we have ever gone over miles I never in my life would have thought such a issue could arise ) Every single month there after they called us and sent bills. Each bill was returned with a copy of the cashed check as proof it was paid.

Every phone call they made to us ( and it was a lot ) we spoke to someone who could not speak English well enough to understand that we sent the check already and it had been cashed. No one could understand this. After several months of this going on ( literally 15-20 calls a month! ) I demanded I speak with a manger. They put on the line a man who spoke English very well and he apologized for the error. He looked into our account and said that it was in fact paid and he isn't sure how this went so long without anyone fixing it. From that point forward we have never got another letter or bill so I assumed it was fixed. 

Fast forward to XX/XX/XXXX, I applied for a credit card and was declined due to GMC putting a very late over 120 days payment on my credit. I believe it to be on my husbands credit as well. I have tried to reach someone at GMC financial to get this removed and have been unable to get anyone who can help me. 

They are falsely reporting we did not pay. We paid the invoice as soon as it arrived and now I'm not able to get a credit card for my small business. This is very upsetting and cost me hours and hours of time to get it straight. A bank person recently suggested I reach out here. I am so hopeful you can help get this fixed and remove the damage that has been done to our credit incorrectly.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. i WOULD LIKE A PIN NUMBER FROM TRANS UNION, XXXX, XXXX XXXX AND XXXX.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

USAA ended my Membership recently. Now I have a email saying I have a secure message. I can't access secure messages since I don't have a Membership. I've tried to call but PIN doesn't work. Without a PIN you can't reach live person, can't leave a message, no way to reach anyone. They won't reply through social media, emails are not replied to. I don't know what the message is about. It could be nothing, it could be important. I need to know how to read the message, how to Contact a live person. 
Thanks, XXXX usaa membership # XXXX
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My mortgage was in forbearance status from XX/XX/2020 to XX/XX/2020. My first payment was due XX/XX/2020 ( see attached letter ). I paid the XXXX payment on XX/XX/2020 and the XXXX payment on XX/XX/2020 ( see bank statement ). The late fee is not added until the XXXX of the month. Both payments were made well before this date. I called XXXX XXXX XXXX  in XXXX and was told that my account had not been coded as being in repayment and so the XXXX payment was never applied instead it was placed in a holding account. So, a late fee was incorrectly accessed and it made my XXXX payment appear short. Accordingly, no payment was reflected for XXXX or XXXX XXXX because it was indicated as a partial payment ). I was told in XXXX that the problem created by the bank failing to apply the XXXX payment had been corrected. I was also told that there had been no negative reporting to the credit bureau. I obtained my credit reports and the bank reported a 60 day late mortgage payment in XX/XX/2020 although my payment was never late. The bank created this issue by not applying the XXXX payment. I have been denied credit due to the bank 's negligence. I need this problem corrected immediately.
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CO)

I have been locked out of my account for the 2nd time in as many years with no explanation, contact or support. I tried opening support tickets and all were auto-closed. The last email/ticket I created on XX/XX/XXXX was ignored to date but may still be open with zero response. There is no phone number, email is ignored and tickets closed, i have no way to contact anyone. I filed a XXXX  complaint which was also ignored.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I believe the information is inaccurate due to a data breach that I was affected by, which has caused fraudulent activity on my accounts. The breach has led to unauthorized transactions and accounts being opened in my name, resulting in incorrect and damaging information on my credit report. 

I appreciate your prompt attention to this matter and expect a response within the 30-day period as required by law. Please confirm receipt of this letter and keep me informed about the investigation 's progress.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION IS VIOLATING MY RIGHTS UNDER FCRA REPORTING INACCURATE BANKRUPTCY ACCOUNT ON MY FILE. I SUBMITTED 6 CERTIFIED LETTERS WITH THE FOLLOWING DOCUMENTS AND THEY ARE STILL REPORTING THIS ERROR. 

Please see ATTACHED OFFICIAL documents stating I DON'T HAVE BANKRUPTCY ACCOUNTS ON MY FILE : 1.Official court letter from United Stated Bankruptcy Court XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NO BANKRUPTCY XXXX. XXXXXXXX XXXX XXXX XXXX - NO BANKRUPTCY XXXX. XXXX XXXX Report- NO BANKRUPTCY XXXX. Experian - NO BANKRUPTCY XXXX. XXXX Report - NO BANKRUPTCY TRANSUNION IS VIOLATING MY RIGHTS UNDER FCRA REPORTING INACCURATE BANKRUPTCY ON MY FILE.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2021 someone hacked into by Bank of America ( BoA ) online banking account and attempted to transfer {$3500.00} from my BoA to a source Bank of America will not reveal. I did not realize what actually took place until XX/XX/2021 and I called BoA. However, On XX/XX/XXXX someone DID call my cell phone telling me they represented BoA and knew all the details of my BoA account ( including my account 'nickname ' ) and that same someone who said they were calling from BoA explained to me someone was trying to perpetrate fraud against my account and in order to stop the transactions from happening I needed to provide them with a code they had just sent to my cell phone. Thinking this was BoA I gave them the code. An amount totally {$3500.00} was transferred out of my account and into an account BoA would not provide me. I explained to BoA that this was fraud and that I did not intentionally make these transfers. They have since investigated my claim and are insistent that I made these transfers although I told them I did not and it was fraudulent. I'm not really sure I do from here so i'm contacting you for assistance
Consumer complaint received 2021-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AL)

Navy federal is going against my mothers wishes for me to be her will executor and she has put in her will for me to be left everything. XXXX has told me that it's supposed to go to my living XXXX brothers. It's a total outrage that they are ignoring my mother 's will that I was to be left everything. It's my money regardless that I transferred from my checking account to hers. I transferred {$1500.00} on XX/XX/2021 for an XXXX purchase and cancelled it. But they refunded {$1000.00} back to my mother 's account when they shouldn't. XXXX isn't respecting my mothers will that she left me in charge of everything. But she is ignoring that and still say that my two living brothers are entitled to that money even though it is my money. XXXX isn't being fair to me regarding that I am the will executor. If the will states for me to handle everything XXXX can't take that right from me.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Quality Asset Recovery LLC (FL)

This medical company violated my rights under the HIPPA LAW sold and shared my medical history information with various parties. They also shared my medical information with various credit bureaus and they know my medical history. The hospital was not so suppose to bill me because the visit was under a charity program. This charity program pays the hospital visits in full. Moreover, my medical history is being sold and passed around to different creditors.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 XXXX XXXX XXXX XXXX