davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (OH)

I have been receiving illegal phone calls from XXXX XXXX # XXXX** with a REF # XXXX. I have requested that XXXX XXXX Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. I have requested the proper documentation several times as original contract with a signature and all related materials. I have received NOTHING! Over 90 days ago, I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
Consumer complaint received 2023-11-23
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. (IL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TX)

In good faith I took part in a promotion offered by US Bank and XXXX check out. The promotion stated that if I spent 50 dollars by XX/XX/XXXX, I would receive a 25 dollar statement credit. I am attaching my order confirmation page that clearly shows I purchased my items within the timeframe required. The items did not post to my credit card account inside the required time frame. I am attaching the promotion offer to show that the offer only states that the purchases be made by XX/XX/XXXX. The offer did not state that they post to the account by the XX/XX/XXXX. I have filed a Reward discrepancy. I sent my order confirmation showing the date ordered. I called back to check the status of my discrepancy, and now Im being told that the promotion can not be applied because I did not use XXXX check out. I have contacted the bank and I have contacted XXXX and I have contacted XXXX check out. None of the organizations can prove to me or give me documentation that I did not use XXXX check out. I believe I did and would like proof that I did not or I would like my {$25.00} promotion credit.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to TransUnion. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
Consumer complaint received 2020-11-18
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: EQUIFAX, INC. (FL)

In XXXX, I filed a dispute with Equifax regarding some inaccuracies on my credit report. They received my letter on XX/XX/2020. I did not receive any responses on their behalf. This is not in compliance to the FCRA as I was supposed to receive a response within 30 days of filing my dispute and this was also the second dispute I filed with this company. The first dispute was filed on XX/XX/2020 for which I did not receive a response either. I certified my mail and was able to track the dates and times that it was received from USPS. Their lack of investigation compliance is impeding me from correcting my report and because of it I am experiencing a lot of turmoil as I can not purchase a home for my family and I.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (WA)

I have a checking account with Key Bank in Washington state. I have my paycheck from work automatically deposited there every other Friday ( our payday ) and I bought a car 3 years ago and have my monthly car payments automatically debited from my Keybank checking account. About 1-2 months ago, I received a letter from Keybank telling me that my account will be closed soon because it does not show any activity. I called keybank and asked what the letter means and if I have to do anything about it. The keybank customer service person said that he checked my account and he can see the activity or transactions- the automatic deposit from my employer and the monthly car payments. I also occasionally make payment to my credit card using the app. I also log in to my account every other Friday to check my paycheck deposit. On XX/XX/20, I was shocked because when I logged in to my Key bank app, it says my account is closed. I called Key bank and they admitted that my account is closed and that my funds were sent to the state. They told me that what their customer service person told me was wrong. Key bank said that I needed to make a transaction- use my debit card, write a check or go to the bank in person to deposit or may physical transaction. They said my paycheck automated deposit from my employer nor the car payments are not considered an " activity '' and so my account was closed. They told me to go to the unclaimed property website and find my state and claim my money. They are sorry that they gave me the wrong info when I called after receiving the letter. i checked the unclaimed property website and my money is not there and also my car payment was missed. Pls call me for additional info - XXXX
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/XXXX I attempted to transfer {$240.00} to my girlfriend 's Venmo account. In the application, an error appeared saying the transfer was declined. The money was still removed from my checking account via my debit card. I contacted Venmo and they told me it was a temporary hold and would fall off. I waited for the transaction to process so it was no longer pending. At that point, the money had still not been returned. I attempted to resolve this with Venmo by messaging on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via email, their internal ticket system, their internal chat system, and XXXX. I was told it was with another team and that they couldn't help. They refused to take a complaint or notify me of what regulatory board handled complaints about their company. They have not returned the money.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MD)

The XXXX XXXX XXXX contacted me months ago regards to a so called debt from XXXX, and I responded, explaining the debt incurred after I was evicted/moved out. 
Also, on a separate note the same case went to court, and was settled. I've attached except of the settlement & court proceedings for your perusal. I was strongly advise by my attorney to file this complain. 

I am forwarding this complain cause the agency still listed said account on my credit file on XX/XX/2018. 

Displaying the below information. 

You've paid off 0 % of your collection. 
Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-11-23
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. (TX)

I am sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00XXXX XXXX  XXXX Balance : {$400.00} TRANSUNION : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00}
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I had just paid XXXX with my debit card for an amount of {$120.00} so my services to my cable would not get interrupted because I moved out of my previous apartment and transferred my services on XX/XX/2018. 

XXXX ended up drafting money out of my Chase checking account for {$370.00} which i did not authorize and I had already had charges pending on my account and XXXX allowed this transaction without my permission. 

and now I have 3 insufficient fees of {$34.00} which totals {$120.00} and now my account is over drawn - {$500.00} dollars I've contacted XXXX, and also I've contacted FCC as well as the FDIC on this issue and I did submit an complaint with the CFPB and I am not getting a response in regards to this problem on my account I get Social security and is on a fixed income this problem needs to be addressed immediately thank you.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

boy at the rate these repugnant useless companies reply back its laughable NO investigation no work done, they just email the debt collector get a reply back that is always a yes and then close these VALID complaints out within 3 days with a generic copy and paste response from a generic employee that probably worked at a XXXX XXXX last week. 
Yet again another cryptic message from these morons. there is an unauthorized 3rd party means nothing to me so since I have to guess what the XXXX you mean I have every right to include evidence from XXXX XXXX showing the sheer incompetence and stupidity of the company you work for if you werent so cryptic I wouldnt have to grasp at straws and if you werent so in favor of continuing to believe XXXX just because they bought my social Unsecurity number from god knows who, just continues to show how since XX/XX/XXXX you have done zero to fix this matter and remove this FRAUDULENT charge from my report and just continue to take the word of some low rent debt collector. You have my authority to inform whomever the XXXX 3rd party you want. And zero authority to refuse evidence I present in my favor. however you DONT have the authority to forward anything to XXXX it is NOT their job or decision to decide whether this is fraud or not its actually YOUR job. Transunion and XXXX. 
after my social security number was hacked in XX/XX/XXXX I received a debt collection from XXXX in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination transunion/ XXXX   has towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. transunion/XXXX DOES NOT take a customers word as evidence or the paperwork provided but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked.
Consumer complaint received 2018-04-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loans currently holds my mortgage loan. I contacted them a couple times to refinance from FHA to conventional loan ( brand new built home 2015 ). They advised each time to wait another year for home value to increase. The house on the next block, same floor plan, sold for $ XXXX more than the purchase price. I contacted Caliber again requesting to refinance. They could not see the home that recently sold in their system and came back with comps in the area that were much lower than actual. After hearing the same spiel " to wait another year '' once again, I contacted another mortgage company ( within a few weeks time from last contact with Caliber ). Apparently the new mortgage company had more up-to-date data, software - they immediately saw the significant increase in home value and began the process for refinancing. As part of a NECESSITY to determine my current loan amount, the new mortgage company contacted Caliber for a payoff amount. They subsequently made a second request, just prior to closing, as I had made a mortgage payment in between the two requests. Caliber charged to me, personally, a {$5.00} fee for each request. This was noted on my statement as " Fee billed ''. Not know what the fee was at the time, I called to inquire. Turns out it was a FAX fee charged to me for the new mortgage company to obtain the payoff amount from Caliber Home Loans. This is gouging the consumer - especially considering the exorbitant fees associated with mortgage loans.

I have worked in healthcare for nearly 40 years. When a physician requests my medical records from another physician, there are no costs charged to me associated with the copies/request. However, if I request copies of my medical records myself, a fee is charged. The same should hold true for a mortgage company to mortgage company request for payoff information. I did not make the request. That piece of information is required in order to pay off the loan. Why gouge the consumer? Had I requested the payoff information myself, sure, charge me. I made no request for a FAX payoff from Caliber and received no FAX, document or service from them, yet was billed {$10.00} on my next mortgage statement - billed directly to me. This, again, is gouging the consumer.

If this is found to be a legitimate charge based on current laws and practices in the mortgage industry, then this practice needs to be reconsidered. I request a refund from Caliber Home Loans in the amount of {$10.00} for FAX fees, in which I made no such request, nor did I receive any goods or service from them.
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I've contacted Bank Of America multiple times to validate 3 accounts. I asked them to verify these accounts by sending me a copy of a contract with my signature on it. I also asked if they didn't validate these accounts within 30 days to remove all 3 accounts from the 3 major credit bureaus XXXX, XXXX, and XXXX. in addition, the 3 credit bureaus also received letters to validate these accounts. I'm asking the CFPB to assist me with this matter because BOA, XXXX, XXXX, and XXXX are all noncompliant to my request.
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

For close to 7 months now capital one and XXXX have screwed my account up. XXXX was saying we owed x amount of dollars. When are records show that we paid our bills and they were adding extra fees and charges. And saying they were going to offset it and fix. They never did and they tried to illegally take a payment of XXXX out of my bank account. I stopped the transaction with my bank Capital One. And never had a problem with that. I closed my accounts with capital one as I now bank with XXXX XXXX  XXXX. All o f the sudden since I closed my account capital one says I owe them XXXX $ for the stop pay on XXXX. And they were trying to dictate my money and who I pay or didnt. It was nothing to do with Capital One. This was a account between myself and XXXX. Capital one is my bank and has no say on who I pay. This wasnt a cc account thru capital one it was just cell bill. 
Well capital one is trying to go after XXXX $ and XXXX is trying to go after the same amount as well.Cap 1 is saying rhey paid XXXX even after I stopped it.The collection agency called my husband and didnt verify my info. He is not on the account.And they divulged my info to him without id the proper party. AS my husband explained he was a debt collector as well. They argued and hung up on him, The call was recorded from our end as well and is attached.
Consumer complaint received 2018-08-02
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: EQUIFAX, INC. (WA)

I have notified Equifax two times about an incorrect reporting from XXXX. I attempted to close my account and XXXX refused to stop billing me initially which inflated the balance falsely. I do not understand how they can bully me and take advantage of the fact that I am powerless in the situation. Them simply saying " this is what happend so just deal with it '' is NOT a valid response and should be illegal. This is bogus and I am losing out on opportunities to advance in life because of this false information!
Consumer complaint received 2018-08-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Seterus, Inc. (GA)

I was layed off XX/XX/XXXX .I 'm collecting benefits at XXXX per week. I contacted Seterus about a forbearance. I was told If I could make the XX/XX/XXXX payment ; make it then call for the forbearance. Their representative told me no problem ; make the XX/XX/XXXX payment then file for a forbearance. I made the payment and called around XX/XX/XXXX. I explained my wife and i had seperated during the call and was told no problem. I received the PPW and sent it in. Now I'm told by Seterusthat the Rep gave me the the wrong information. Now I have to get a quick claim deed to take my wife off of the loan so they can process the forbearance. They apologized and said they would " coach " the Rep but not fire her. Now I'm facing foreclosure.
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

Three 3 Fraud Accounts Where Open With Citi Bank Checking And Saving Account Where Open At Citi Bank Without My Permission With Fake Accounts Signature with my Name Citi Banks Denied To Resolved this Risk and there are not Helping me with this problem. and they Claim That there was never any Fraud at Citi Bank with my Information Bank Persist that the Signature match someone else copy my Signature to open Fraud Accounts With Citi Bank Someone Stole My Identity and Signature and used it to Open This Account Fraudulent and My Social Security Number Was Stolen and also there was Fake Checks Deposit to those Accounts. My Ex Boy Friend Stole My Identity And Stole My Signature and Open This Accounts and Citi Bank is Not Helping and did not closed the account marked as Fraud??
Consumer complaint received 2018-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

My older loan company sold out to Navient. Navient decided without my consent to make my autodraft payments on the XXXX of every month. I have a schedule and it needs to come out at the ends of every month. When I called they couldn't reset my autodraft to the date i requested. After many phone calls the latest someone could make it was the XXXX of every month. That still doesn't make sense, since there are 11 other days of the month.