davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (OK)

I am providing a summary of events here : - In XXXX of 2023, I contacted XXXX and set up an online account when I changed my apartment in DC. I ended up getting service through XXXX and called XXXX to confirm that I would not have XXXX service installed at my apartment. 
- XXXX removed my online account but I continued to receive erroneous bills every month. And every month I would call XXXX to sort this out. They would verbally confirm that there was no balance and that my location never had service under me but were unable do anything more than tell me this over the phone. 
- On XX/XX/2023 a debt Collection Firm named XXXX, XXXX XXXX XXXX ( hereafter referred to as the " Collection agency '' ) wrote to me to inform that an account under my name was being sent to collections. 
- I requested validation of proof of debt ownership ( which wouldn't exist as I've never had XXXX service ) but they merely sent back a copy of the info on the letter which included incorrect contact information and a copy of the incorrect bills from XXXX today, XX/XX/2023. 
- I called XXXX again on XX/XX/2023 after receiving the collections letter who verbally confirmed I have no account, the account number the collections agency references is not tied to me, and that I have no outstanding debt. When I asked them to provide this in written proof, they refused claiming they could not.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AL)

I used a mobile check deposit to deposit a check I received from XXXX XXXX XXXX XXXX. The money was from a vehicle that I let go back to them. They auctioned off the vehicle, and the money they received at auction paid it off in full, and I had a surplus amount they issued back to me. ( This whole process took months to complete ). The check was for {$3000.00}. When I first deposited the check on XXXX XX/XX/year>, they didn't give me immediate access to the funds, and I was fine with that. After XXXX hours, they gave me access to {$220.00} in funds. By XX/XX/year>, I had access to all the funds. I used it to pay bills and buy some things at XXXX. Then, on XXXX, they froze my account and blocked me from logging into my online account, and when I called, they did not explain why this happened other than the deposit was under review. Also, on XX/XX/year>, my son 's survivor 's social security benefits were deposited ; he is XXXX. They have those funds frozen as well. He has been getting his ss payments sent to that account for a year. Today, I tried contacting the executive response team, and they said it would take 15 days to investigate. They have all my money frozen in the world ; 15 days is unacceptable. They haven't even told me why this is happening. I need my account unfrozen immediately. Citi Reference Number : XXXX
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

After the death of my mother in XX/XX/XXXX, I learned of a home equity line of credit loan that she obtained in XX/XX/XXXX in the amount of {$100000.00} after receiving a statement from the bank showing a balance of {$52.00}, XXXX. I immediately went to the bank to inquire as to how she was able to obtain this loan since she did not own the home, it was transferred to me and my siblings in XXXX of XXXX. My mother continued to live in the home as she had a life estate. I was told by the bank representative at that time that he was unable to provide any information regarding the loan or the contract because the loan was in my mother 's name. He did say that as owners of the home, my siblings and I would have had to approve the loan and sign the contract in addition to her signature. He recommended I contact the loan servicing center to obtain additional information. After speaking with a customer service representative I was informed that the only information they could provide was to say that another loan she obtained in XX/XX/XXXX for {$53.00}, XXXX was paid off with this {$100000.00} loan. My siblings and I had no knowledge of either of these loans nor did we sign off on them allowing her to obtain them. We are now expected to pay off the balance of {$52000.00} but believe the bank was negligent in providing this loan without due diligence in obtaining ownership verification and that we should not be held responsible as a result.
Consumer complaint received 2024-08-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: M&T BANK CORPORATION (TN)

M & T Bank purchased my mortgage loan XX/XX/XXXX from XXXX XXXX. My mortgage loan is FEDERALLY FRAUDULENT MORTGAGE LOAN due to MAJOR falsified information within the closing documents such as my year of birth, my marital status, my years of education and year of graduation from XXXX XXXX. Also, XXXX XXXX XXXX XXXX XXXX # XXXX requested on XX/XX/XXXX, that a termite inspection by a professional licensed company be completed and a termite letter be sent in to prove whether or not the termites found during the appraisal were an active infestation or not. That never happened no termite inspection or letter ever was done a day I was never informed of any of this by anybody not even my real-estate agent XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX cell # XXXX XXXX. 
I have emailed M & T Bank about this issue along with attachments of the closing documents with false information on them and my TN state Driver License from XXXX that I turned in when purchasing the home for documentation and my divorce decree all as evidence to prove to them that they are in possession of a FEDERALLY FRAUDULENT MORTGAGE LOAN yet they have responded with, we will look into it and I have not heard anything since XXXX. Per mortgage laws they have 30 days and we are coming up on the end of that & still I haven't heard a word from them! I only correspond to them via email and XXXX mail and or certified mail due to their constant lies and u professionalism also. 
They just now gave me an email address in XX/XX/XXXX to be able to correspond with them via email because since XX/XX/XXXX several employees have lied to me telling me they are not legally allowed to correspond via email about mortgages as if they were the XXXX XXXX XXXX I have dealt with! Completely unprofessional in every aspect of the definition of unprofessional and very disrespectful to me as well as telling me in XXXX that even though I had an active application for TN XXXX program that they could still foreclose on my home which was a complete lie. So, I don't correspond with them unless it's in writing due to their constant lies, immaturity and u professionalism.
Consumer complaint received 2024-08-31
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. (PA)

I was completely taken aback when I saw inaccurate accounts on my credit report this evening, and I have no clue how they got there. I routinely monitor my credit report, but this time, I noticed discrepancies that were completely unexpected. I tried refreshing my browser, thinking it might be a temporary issue, but the errors didn't disappear. Given this troubling situation, I ask that my documents be carefully reviewed so I can stop stressing about this.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UMB FINANCIAL CORPORATION (OK)

As of XX/XX/year> I have tried every month until current ( XXXX ) to have UMB Bank/Credit Card update my old banking account information that they were taking my autopay out of to my now current personal banking account information. I got a notification that I had a late pay hit my credit report in XXXX due to being 30 days past due. I called UMB to figure out why and the lady told me they tried to debit my account and it was rejected. I explained to them that I have already notified them to update my information as I was unable to log into my account due to UMB closing my credit card. The girl I spoke to told me I had a past due of {$95.00} dollars and that would need to be paid to bring my account up to date. As these calls were recorded per the message on UMB 's phoneline, I asked to be sure that if I paid that amount my account would be current. Customer service said yes so I made the payment and told her to update my banking information which I gave her and she said she did. XXXX ended and I got XXXX late pay notice on my account for the month of XXXX which put a 60 day late pay notice on my credit. As I was trying to finalize a mortgage, that very negatively impacted that process. I called UMB customer service AGAIN notifying them and how upset I was. I explained to the agent what the previous agent relayed to me and the amount owed. The agent I spoke to in XXXX stated my bank information was never updated and she would update it for me and took another payment. At that time I wrote the headquarters in XXXX XXXXXXXX three letters demanding this be looked into and it fixed on my credit report. I never received any calls from HQ 's either from my letters or customer service agents that I demanded a manager call me back. I did have someone in the UMB collections department call me to put me on a payment plan and she told me she would MAKE SURE 100 % a manager would reach out to me and she also took my updated banking information to put in their system and promised it wouldn't happen again .... I never got any calls from UMB after that. So XXXX ended and I got hit with a 3rd late pay notice on my credit report. This time ( XXXX ) I called the HQ 's direct line and left a VM for XXXX XXXX which never called me back. I gave it a few days and called them back again which the lady directed me to a different number to call. I called the other number and spoke with a lady that was working remote and she stated she would make sure someone called me back. That was on XX/XX/year> and since then ( today is XX/XX/year> ) no-one has returned my calls. So I received a letter from XXXX dated XX/XX/year> that my payment of {$96.00} was returned due to insufficient funds from my XXXX account that I have requested time after time after time be REMOVED and updated to my current bank account at another bank. Now my UMB credit card account shows past due for {$380.00}!!! I CAN'T GET MANAGEMENT TO CALL ME BACK TO FIX THIS.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (FL)

I am a personal injury attorney in New York with a Law office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I spend part of the year at my home in XXXX XXXXXXXX XXXX  but all my banking and business dealings are in XXXX XXXX Starting on XXXX XXXX XXXX I started receiving calls and messages as to whether I was making wire transfers. I emphatically said No. The calls and messages were from Citibank. It turns out that my 4 Citibank bank accounts had been hacked and compromised in a very sophisticated scheme. Over the next 3 days these fraudsters wired out over {$650000.00} from all my accounts including my attorney escrow account where I was holding about {$320000.00} of clients money. This was done despite me telling the Citibank rep that I was locked out of my account and had not authorized any bank transfers. It turns out that the regular Citibank customer service number had been spoofed and the calls were diverted to the hackers. After the initial notice of wire transfers that I said were fraudulent, I got no further messages, or texts. Moreover, a Citibank Letter Dated XX/XX/2023 was sent to me indicating that due to " suspicious activity '' they were shutting down the app and access to my accounts ( which I did not have anyway since the fraudsters changed my password and I had no access to the accounts ). To my utter amazement, when I got a print-out of the wire transfers about 12 transfers were sent out from my accounts on XX/XX/XXXX at a time when the accounts were supposed to frozen or blocked. At no time did I ever make any wire transfers or approve any transfers. Every one was a fraud and Citibank made no attempt to stop when it was clearly fraudulent.
Consumer complaint received 2023-12-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX  closing date was set for XXXX XXXX XXXX XXXX XXXX we were informed that our Mortgage agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with The Huntington National Bank, failed to collect our VA inspection report. At last minute XXXX tried to get this report finalized. Due to her negligence we were unable to close, and XXXX was completely disorganized. Throughout the entire process XXXX changed numbers around to inaccurate amounts multiple times. We had to review all documents with a fine tooth comb because she kept adding additional hidden fees with every revision. The emotional and financial hardship this has put our family through is tremendous. We had no place to stay but inside of our moving truck. No home due to Huntingtons negligence, leading to our inability to close.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (WI)

XX/XX/2023 I sent multiple letters to these companies involving following accounts XXXX XXXX XXXX  {$800.00} Acount # XXXX 2-MIDLAND CREDIT MANAGEM {$850.00} ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  Accounts # XXXX XXXX XXXX XXXX, MIDLAND CREDIT MANAGEM ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC. (SC)

I purchased my XXXX XXXX XXXX from XXXX XXXX XXXX here in XXXX, SC with Gap insurance included at the time of purchase on XX/XX/XXXX. On XX/XX/XXXX, my XXXX old son and I were in a terrible auto accident on the way home to pickup my other XXXX children ; My son and were T-boned out of nowhere and I was not at fault. My XXXX XXXX XXXX was totaled and towed to a junk yard. I contacted Ally the next morning advised them of the accident and I spoke to a representative about my Gap insurance coverage. The representative stated that anything left over to Pay my Gap insurance would cover as I did have the coverage. I also contacted my Attorney, gave them the number to Ally financial the lien holder. Ally financial went to the junkyard picked up my vehicle before the adjuster or the insurance companies could go look at my vehicle. Thank God I took pictures before Ally financial went to the junkyard without my knowledge. Ally financial picked up my vehicle and sold the parts. I wasnt notified of this until I received a letter on XX/XX/XXXX. Stating that it was repossessed and sold on XX/XX/XXXX and I owed {$26000.00}. I didnt understand, because my vehicle was a total loss. My attorney sent a copy of my Gap insurance total loss addendum to XXXX XXXX XXXX XXXX ; Including a letter stating my vehicle was a total loss confirmed and notified to all parties by XXXX, the insurance company of the other party that was involved. Ally financial stated that they canceled my Gap insurance in XX/XX/XXXX. I was never notified by phone or letter. I called multiple times to different departments to Ally financial about my Gap insurance. I transferred to many departments as well as my attorneys paralegal. Once the case was finalized by a judge my auto accident was ruled out a total loss here in the state of SC. Ally Financial is still reporting on my credit as a repossession and a balance still owing {$9300.00}. This shouldnt be on my credit report at all and I would like to have it removed, this has caused so much hardship on me and my family. Im still unable to purchase a Vehicle at this time. Thank you
Consumer complaint received 2023-12-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

My father passed away on XX/XX/XXXX. Acting in good faith, I immediately notified USAA that he had died, that I was taking over as his executor, and that I wanted to take over payments on the car. USAA said that someone would contact me shortly but never did. USAA immediately sold the note to a debt collector who immediately initiated repossession without ever contacting me. I spoke to USAA and explained that this was a mistake. They acknowledged that this was a mistake and requested the debt collector transfer the note back to them so I could continue making payments. I was allowed to make one payment and brought the loan current. When I called the following month to make the next payment, I was informed that they had once again sold the loan to a debt collector and found that repossession proceedings had been initiated. I called USAA today to discuss this further and was told that there was nothing they could do to help me and that I needed to talk to the repossession company.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (DC)

I tried to log in to make a payment on my XXXX credit card issued by Comenity/Bread Financial on XX/XX/2023. The site was down and I was forced to call Comenity directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XX/XX/2023, I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, Comenity 's support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, Comenity had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score ( dropping by XXXX points ), which then caused the Comenity to lower the credit limit on the XXXX credit card by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other Comenity issued card for Ulta Beauty by 25 % ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the 3 major credit bureaus, and I have used the letter provided to me by Comenity, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the Comenity error.

My issue is the efforts/urgency of Comenity to correct this. All of this was set in motion by Comenity down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit.

I am reporting as I saw during my search for a direct contact in Bread Fianacial/Comenity, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.