davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I've had issues with Citizens Bank in the recent past. I don't understand why the math is always miscalculated in the banks favor, other than my belief that this bank taxes Customers who are living in poverty. On XX/XX/2018, J made a purchase at XXXX ( online ). While the order was shipped on XX/XX/XXXX, Citizens shows it as a sale on XX/XX/XXXX. I still had {$21.00} in my checking account. Fortunately, I was able to start using credit cards to keep afloat. However, my bank has charged me fees on not having the money in my account that should in fact still be there. I've been charged " fees '' of {$95.00}. However, I'm allegedly {$120.00} in the red. That leaves {$25.00}. {$21.00} is what the " magic math '' reads on my ledger on the Citizens App. I'd like not only my account brought back to good standing, I'd like a full refund of the {$120.00} they will take from tomorrow 's direct deposit paycheck. And, if legal- I'd like them to pay ME a fee for this hassle. {$35.00} would suffice. Thank you for your time and assistance. Please have a beautiful weekend.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc. (CA)

On XX/XX/2018 at XXXX Pacific a debt collector for XXXX XXXX XXXX called from a fake phone number XXXX trying to reach my wife about a account that we canceled the day our 2yr contract was up with XXXX XXXX XXXX but XXXX XXXX XXXX failed to cancel 3 months down the road we  were getting phone calls saying we owed $ 600+ for non payment of the acct that we canceled but anyways their debt collectors are using fake phone numbers to get us to answer the phone using local numbers when In fact they're number is XXXX XXXX XXXX  and their excuse is they use these numbers ( spam numbers ) to save on long distance calling, when in fact I know they're using local numbers to trick the consumer to answer the phone because the chance of a consumer answering a XXXX number is slim to none because of all these imposters and scams but that doesn't give them the right to use trick numbers tactics to trick us into answering our phones, if they can't call with the appropriate number of their business then that tells me they are not professionals and will go to any length to collect a debt, also their business has been reported several times and that trick number has been reported on the do not call lists before, and the other thing is they wouldn't answer my questions completely with honest answers, this can not be ok for debt collectors to pull
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I feel like i have exhausted all efforts with Equifax and XXXX Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts 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
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CO)

American Express charged 2 {$39.00} late fees for a {$75.00} dollar carried balance over 45 days. Spoke with XXXX XXXX who explained the company policy of charging {$39.00} late fee and {$39.00} for a carried balance or 2.09 % whichever is greater for balances which are greater than {$50.00}. This resulted in late fees greater than my balance which is unreasonable by any measure.
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Telerecovery Corporation (LA)

Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me. If so, these bills were paid by my medical insurance, which I do have. I'm covered by XXXX XXXX of Louisiana and previously covered by XXXX XXXX XXXX. 

However, if these belong to me which I doubt. They would have been paid for by my insurance if the companies did not make mistakes with their billing procedures which is evidenced by other customers in the area.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (FL)

My closing is set for XXXX today I received a call from the title company that I need to wire {$11000.00} to close NACA is a non profit that advertises no closing cost. I started the process with NACA almost 3 years ago. My process was deliberately delayed by XXXX Washington at NACA, time after time causing me to pay much more for the loan in terms of a higher rate and funds I needed to buy down the rate. On the closing disclosure I received after hours on XX/XX/25 it states the XXXX XXXX XXXX is giving or crediting NACA in excess of {$12000.00} why would XXXX receive {$12000.00} from the builder and I wire XXXX to the title closing company? This makes no sense. No closing cost is no closing cost which is a bedrock of NACA advertising.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC. (TX)

OPTUM Bank XXXX Issues - Revised XX/XX/year> XXXX claim, XXXX, filed on XX/XX/year>, was closed without resolution. Since then, several issues were resolved, but some issues still remain : 1. Downloaded transaction file paid claims total ( {$23000.00} ) does not match website dashboard amount ( {$21000.00} ). {$1600.00} difference.

2. Downloaded transaction file does not have provider information making it impossible for me to reconcile the transactions. 

Optum Financial customer service does not seem to understand what is needed to correct the problem. They, on multiple occasions, come to me with solutions that do not completely resolve the problem.
Consumer complaint received 2017-08-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central Portfolio Control Inc. (CA)

X/X/17 I attempted to get receipts of payments I made to this company on behalf of XXXX XXXX. Although they had records..refused saying account went back to the original company. The Rep had shared with me the amount of payments I made and a total. When I asked for written verification she told me she could n't give them to me. When I insisted that I believed she could get it for me..she referred me to a Supervisor. He came on the line with intimidating nasty tone. He read me a debt collection disclosure that had already been read to me by the previous individual. When I began to tell him what I wanted he started to try to intimidate me and interrogate me on why I did n't have the info I was seeking, and the methods I should have tried to get it and control the conversation.. When I would n't let him, he hung up. He was nasty and provocative .Central Portfolio Control Inc , is a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX. I would like to report this company.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all 3 credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have made attempts after attempts to get midland funding and XXXX XXXX XXXX off my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresus should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

FRAUD ACCOUNTS-COLLECTIONS- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATES- XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES-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 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 XXXX XXXX XXXX
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (NV)

I began two loan applications on XXXX XXXX, 2017 with XXXX XXXX XXXX located in XXXX, CA. One loan application was a purchase of a new property and the other was a refinance of an existing property. XXXX XXXX was my initial loan officer and everything proceeded smoothly until the file was sent to Underwriting on XXXX XXXX, 2017. I was told on numerous occasions that everything was 'in order ' and moving toward funding as scheduled, as I had provided all necessary documentation to the lender promptly and accurately during the review process. The lender was well aware of my scheduled Close of Escrow date of XXXX XXXX, 2017 and I was assured that nothing else was needed and that both loans would close simultaneously on, or before the scheduled COE date. A week before close of escrow, on XXXX XXXX, 2017, XXXX assured me that both loans were being Approved and closing on time. On XXXX XXXX, 2017 XXXX called me to inform me that the appraisal was 'waived ' in error by the lender for the refinance application and they were scrambling to have the refinance property appraised. I received an email for both the Processing Manager, XXXX XXXX, and the Director of Customer Service, XXXX XXXX, that they had made mistakes and that the loan process for both applications were delayed. On XXXX XXXX, 2017 I received an email from XXXX XXXX that they were making an 'exception ' and waiving the appraisal, the same appraisal that was supposedly delaying my loan to begin with. I am now 7 weeks into my loan applications and have yet to receive any decision on either loan, despite the verbal assurances that I would be approved. Not only are they in clear violation of Regulation B, but I have had to appease a furious Seller and negotiate a $ XXXX/day fine for every day that my purchase loan does not close. Now, I am in jeopardy of losing this property due to flagrant negligence and missteps by XXXX XXXX XXXX. Please HELP me save this property!
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2017-06-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHECK INTO CASH INC. (VA)

I noticed on my credit report that I check weekly a hard inquiry was on there from check into cash. This did not make sense to me since I am not new to them. I am a long time customer. And besides, payday loans advertise " no credit check. '' I called and asked why that was on there and the lady said they are now doing something new where every 60 days that do a credit check. I said " that 's going to be alot of hard inquires on my credit report! '' She stated this was new and that since it was considered a loan they could do this. '' My problem is that I was never notified of this " new '' change and that I did not give them permission. If I had n't checked my credit report I would have never known about this. Checking someone 's credit report every 60 days will indeed ruin their credit very quickly. I myself and planning on paying them off very soon and never reborrowing. I can not afford to have my credit ruined to the point where I have to depend on payday loans. I 'm thankful I am rebuilding my credit and am glad I found this out before I have an outrageous amount of hard inquiries on my credit report. They should have disclosed this to customers and they should have gotten my permission.
Consumer complaint received 2017-06-26
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. (NJ)

XXXX XXXX was supposed to remove negative info from credit reports per the CFPB investigation they did not! XXXX XXXXl requested they remove and they did not " The original placements provided by our client were submitted in XXXX XXXX. Additional placements were sent in XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each placement was followed by a letter to XXXX XXXX at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach XXXX XXXX by phone there has been no positive response to any calls. He is claiming that XXXX has refused to accept payment arrangements but the file notes from XXXX indicate he would follow up with his insurance. There are no file notes between XXXX XXXX, XXXX and XXXX XXXX, XXXX when he disputed his credit report tradelines and XXXX confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from XXXX XXXX credit report ''
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX failed at my loan modification and my loan refinancing. Credit report went from XXXX to XXXX. Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a XXXX credit score to refinance. It was XXXX when I first applied for a loan refinancing. After 130 days it failed.
Consumer complaint received 2017-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I been receiving calls from   XXXX   XXXX   several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially  XX/XX/XXXX  I received a call from  XXXX  She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if  XXXX  would delete it from my credit file she went on saying it will be on my credit until  XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from  XXXX  in writing or any notifications on how to dispute this debt with them. I went to   XXXX    website located at https :   XXXX   I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want  XXXX  to stop calling me off of an automatic dial system such as " ROBO CALLS ''.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (IL)

I opened this card under the assumption I would receive XXXX ThankYou points upon opening the card, with a spending requirement of {$0.00}. I 've called-in numerous times to hear these points would be awarded within 1 to 2 billing cycles. I just want these points so I can end this relationship with Citi.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Equifax has the wrong name and address for my credit report, I have moved twice and been married. My name is changed with social security, credit cards, bank, etc and has been for several years. I am trying to get a mortgage, and this incorrect info on the report is preventing my family from being approved, and could possibly kill our deal. Equifax through over 20 different conversations with their call center has given us multiple different instructions on how to resolve this issue, turns out the only way is by mail or by fax. The only way to correct my personal information is with copies of my social security card, DL, marriage certificate, etc all faxed to their call centers in either XXXX or XXXX XXXX. This is exposing my sensitive information via a very unsecure method ( fax ) to potential identity theft scenario. Both other credit rating agencies have my correct information and we never contacted them. Equifax claims that if I wanted the info updated since I turned XXXX in XX/XX/XXXX, I should have done this years ago and that it is my responsibility to let them know of every life change. I believe this is an unfair and unethical practice. I also believe that if I want my personal information changed that I should be able to do it via phone or online ( it is XX/XX/XXXX ). This is totally unexpected and as a result we are unable procure funding for our mortgage.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OK)

On XXXX XXXX, XXXX, I noticed a hard inquiry from XXXX that occurred on XXXX/XXXX/XXXX. I had applied for a XXXX credit card back in XXXX of XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in XXXX.