davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, my Citi bank credit card was charged {$14.00}, {$14.00}, and {$19.00}, all from XXXX XXXX XXXX XXXX XXXX I called my credit card company to dispute these charges. They canceled my card and issued a new one. Today, XX/XX/year>, I received a text message that charges were posted on my latest card, which I have not yet activated. Again, XXXX charges stated they were from XXXX + XXXX for {$14.00}, {$14.00}, and {$14.00}. I called Citi Bank again, and they will remove the charges. I have locked my card. I have also called XXXX, and they verified that I did not make those charges. The more significant issue is how anyone can access a card that has not been activated. I believe Citi Bank needs to do an internal investigation.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Spam calls all day for 7 days straight, leaving voicemails that I will be served with court documents to appear in court regarding a credit card account that was XXXX in XXXX bankruptcy in 2013. Both women I spoke with were highly rude when I spoke to them about their false claims! They spoke over me when I tried to speak. I asked for an email address to send my documents to to verify the account was XXXX in the bankruptcy and was told I could show my docs in court.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (NY)

I called Wells Fargo about a Pending Wire transfer I made for {$540.00} on XX/XX/year>. The phone number I called was XXXX and I called at XXXX and spoke to a XXXX : XXXX refused to give me her last name and said Wells Fargo was holding the {$540.00} wire transfer because of the acronym " XXXX XXXX I wrote in the title. It was a request from Compliance and XXXX said they could not send me an email copy of the internal correspondence. She said Compliance flagged the acronym XXXX. The management/leadership ( Shaniqua- refused to give the last name ), XXXX said " We just need clarification to the wording XXXX in the reference. They are waiting for the processing and it went to a sanction screening. " IAC '' is the reason why it was held. XXXX said XXXX said " XXXX '' was a close match to the US sanctions list and is government related. It is about US regulations. I refused to give the name XXXX because I felt this was not a fair and transparent request. It also violates my privacy as I wrote it was a Virtual Fall Course in the title so it was just ridiculous and absurd request. 
XXXX said she can not cancel the transaction. They also would not say when and if the money would be released. All I had to do was tell her what " XXXX '' means, then the wire transfer would go through. I said it is like blackmail, to be forced to give absurd information or not have access to my money. The US sanctions list has NOTHING that looks like XXXX unless someone has undiagnosed XXXX : XXXX XXXX XXXX A voicemail from " Management/Leadership '' XXXX ( WF refused to give last name ) on Friday, XX/XX/year> : " Hello this is XXXX from Well Fargo wire transfer services. This message is for XXXX XXXX. We are calling regarding the wire transfer pending on your account and requires additional information to complete processing. The transaction number for your reference is XXXX. Please contact us as soon as possible. You can reach us at XXXX. And again that is XXXX thank you ..... '' XX/XX/year> XXXX So basically Wells Fargo is blackmailing me to tell them what " XXXX '' means or I I have no control over my money. This is not a fair and transparent request, I wrote other words in the title, and it looks nothing like anything on this list. Now I will not pay for this course and I will lose my spot. The stress and aggravation from this absurd request is uncalled-for as I have been a customer at Wells Fargo for over XXXX years. To be sent through this process is a level of incompetence that is embarrassing for this institution. They refused to send anything that left a paper trail and I received no email notifications that there was a problem, just the usual transaction emails that it was submitted and went through.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MA)

My mortgage increased by {$1000.00} from XXXX to XXXX payment. I found out it was because " Lender placed '' was put on my account when it did not need to be, I sent them documentation of insurance and lender-placed was taken off as of XX/XX/XXXX. I had also sent them documentation we had this insurance back in XXXX as well but they still placed me on lender placed. It is now XXXX XXXX and we are still dealing with the issue with them. I have spoken to over 10 people there and NO one knows what is going on in that company, everyone tells me a different story. I overpaid by XXXX last month and don't want to do it again for this month 's payment. We are short in escrow and no one can explain why. Some people say it was because the lender-placed and some because of taxes. Our taxes in XXXX did not go up that much this year. Nothing is adding up to the extreme hike and nothing is being resolved. Newres has been a horrible company to have our mortgage with. I just want my payments to go back to normal like they should and they are giving me the run around.
Consumer complaint received 2024-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I applied for Navients school misconduct loan discharge and was denied and given no reason for the denial. I provided all evidence necessary ( over 300 pages ) to prove misconduct by my school and on top of that it has already been proven publicly and my federal loans were discharged for that reason. See XXXXXXXX XXXX XXXXXXXX among several other publications. I deserve a reason for denial of my application and the chance to add whatever evidence they require.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (GA)

I am writing to formally file a complaint against XXXX XXXX. Despite multiple requests ( XXXX times ) for them to cease emailing me, they continue to harass me via email. This ongoing communication is in direct violation of my clear and repeated requests. 

Additionally, I have requested complete documentation of the alleged debt on XXXX separate occasions. However, XXXX XXXX has only provided a one-page credit card summary, which does not include the legal agreement or purchase agreement between myself and XXXX XXXX XXXX This is not adequate, and I believe I am entitled to full and proper documentation as per the relevant regulations. 

Furthermore LVLN has threatened legal manner and in their emails has mentioned if I dont pay them, that my account is on pre-legal action. 


I would appreciate your immediate attention to this matter and request that you take the necessary actions to stop this harassment and ensure that I receive the full documentation I have requested. 

Thank you for your time and assistance.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

I have banked with Wells Fargo for a number of years. Working hard to build my credit profile back up after having to file XXXX in 2018 due to my father 's XXXX XXXX. Medical bills piled up for our family and we were advised that XXXX  is the route to get out of the whole. Ever since the filing, I have worked hard to make on-time payments and build my credit profile. Making all payments on-time until I faced an access issue with Wells Fargo and my credit card payment. 

On XXXX2024 I started a XXXX month work trip that began with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, then returning home on XXXX XXXX, 2024. 

During this period, unlike my travels before, for some reason I was blocked access from my Wells Fargo app and Website through days in XXXX and XXXX. I attempted to log in and make payments, in-fact in some cases I also was unable to use my debit card at ATMs. I reached out to the fraud department asked if there was any triggers leading to this. They informed me that they don't see anything. After getting off the phone, I regained momentary access, only to be locked out again. This went on for some time. During this period I was unable to make my payments, this was extremely concerning for me as I have made every attempt to make on time payments and did not want to be penalized for a late payment when I couldn't find any means to make one. Calling in a payment was also not possible as the 1800 number was not working when dialing internationally. I had to request a conference call to finally get in touch with the departments to clear the payment issue. 

However, by this time the payment had already past the due date, and now I have found that it has been reported to the credit bureaus ruining my credit score and profile of on-time payments that I have spent XXXX  years of my life working incredibly hard to build up. It is not appropriate to penalize a person when they are unable to access systems of the bank to make the necessary payments.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

There is a fee on my savings account because the balance went lower than threshold. I contacted the company and they agreed to waive the fee because I fixed the issue however they told me I would be getting another fee and it since has continued to spiral because it keeps creating more fees even though I have tried to rectifying the situation. This is all because of the original fee. I have been a long time customer, always with an amazing relationship.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates (NC)

On XX/XX/year>, I had a XXXX  procedure for which I pre-paid through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  costs of {$940.00}. The procedure went over the estimated time due to medical necessity ( which was provided to my insurance carrier by my surgeon ). I received a bill from XXXX XXXX XXXX in XXXX, GA, on or around XX/XX/year>. I called XXXX XXXX on XX/XX/year>, as I needed help understanding the invoice ( which indicated a {$6600.00} charge, a {$940.00} patient receipt, and a {$470.00} patient responsibility ). On the call, I provided XXXX XXXX with my insurance information, and I explained that the overtime should be claimed to my insurance company. The customer service representative said she would provide my insurance information to their insurance group, and someone would call me if they had questions. Instead, they sold the invoice to Prince Parker and Associates, a debt collector. This immediately went on my credit report and affected my score. No one ever called me, nor did they attempt to explain the specifics of my invoice ( no minutes or time was provided as I had also asked for this on my call to them ). They did not file a claim on my behalf. 

Interestingly, the XXXX XXXX XXXX ( for unforeseen medical necessity ) sent a similar invoice. I called them with my insurance information. They promptly filed a claim. The claim was paid. 

Even if my insurance did not pay the XXXX  claim, I understood that any overtime for XXXX  would be billed at {$93.00} per XXXX minutes. Again, the specifics were never provided to me by XXXX XXXX XXXX.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK (MI)

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/2024 Request for Removal of Inaccurate Collection Account from Credit Report I am writing to dispute and request the immediate removal of an inaccurate collection account from my credit report. The collection account in question pertains to Freedom Financial, which was inaccurately reported as a debt of {$42000.00}. 

XXXX years ago, I applied for a consolidation loan with Freedom Financial, and subsequently agreed to refinance my loan with another company that claimed to be affiliated with Freedom Financial. Despite making monthly payments between the first and fifth of each month as agreed, it has come to my attention that Freedom Financial never received any of these payments. Upon discovering this discrepancy during a credit report review in XX/XX/2024, I promptly contacted Freedom Financial to address the issue.

After uncovering that the company I had been paying had not remitted any payments to Freedom Financial, I immediately terminated my agreement with them and resumed direct payments to Freedom Financial. I have consistently paid the monthly installment of {$550.00} to Freedom Financial since then. 

The collection account resulting from this misunderstanding is unjustified and damaging to my credit report. I urge you to investigate this matter further and expeditiously remove the inaccurate collection entry attributed to Freedom Financial. This collection account is a product of misrepresentation and fraud, and its presence on my credit report is misleading and harmful to my financial standing. 

I kindly request that you conduct a thorough review of this situation and take the necessary steps to rectify this error by promptly removing the inaccurate collection account from my credit report. Attached is the now terminated agreement with the financial institution who was to assume responsibility over the debt previously that cause this discrepancy. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of this erroneous collection account from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my account and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Subject : Formal Complaint Against XXXX and XXXX for Inaccurate Reporting of XXXX XXXX Account Dear CFPB, I am filing a formal complaint against XXXX and XXXX regarding the inaccurate and inconsistent reporting of my auto loan account. Despite my efforts to resolve these discrepancies directly with the credit reporting agencies, significant errors remain on my credit report, which violate both federal consumer protection laws and Metro 2 compliance standards. 

Details of the Discrepancies : Inconsistent Date Opened Reporting : XXXX : Reports the date opened as XX/XX/XXXX. 
XXXX : Reports the date opened as XX/XX/XXXX. 

This discrepancy suggests a failure by the data furnishers to report consistent and accurate data, which is required under Metro 2 standards. 
Inaccurate Date Last Active Reporting : XXXX : Reports the Date Last Active ( DLA ) as XX/XX/XXXX. 
XXXX : XXXX the XXXX as XX/XX/XXXX. 

The Metro 2 standard mandates that the Date of Last Activity be reported consistently across all bureaus. This inconsistency directly impacts how long this account will affect my credit score. 

Discrepancies in Payment History Reporting : Both XXXX and XXXX report a payment history showing " 60 days late '' and " 30 days late '' statuses during XX/XX/XXXX and XX/XX/XXXX. My personal records do not support these entries, indicating a potential error in reporting. 

Metro 2 guidelines require accurate and consistent reporting of late payments. The discrepancies in these late payments are misleading and have negatively impacted my creditworthiness. 

Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ) Violations : Inaccuracy in Reporting : The FCRA requires that information furnished to credit reporting agencies be accurate and complete. The discrepancies in the date opened, date last active, and payment history suggest that the data furnishers have failed to ensure the maximum possible accuracy of the information reported. 

Right to Dispute : Under the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. Despite my dispute, XXXX and XXXX have not corrected or removed the inaccurate late payments. 

Metro 2 Compliance Violations : Inconsistent Reporting : Metro 2 guidelines are designed to ensure that credit reporting is accurate and consistent across all bureaus. The discrepancies in the date opened, date last active, and payment history violate these guidelines and contribute to inaccurate and misleading credit reporting. 

Failure to Report Correct Payment History : The erroneous late payment entries for XX/XX/XXXX and XX/XX/XXXX represent a failure to adhere to Metro 2 procedural requirements, leading to a negative impact on my credit profile.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquiry that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiry removed from my file as soon as possible. 

XXXX XX/XX/year>
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VELO LAW OFFICE (MI)

received ambulance ride for child, moved to different address before i received any statements or communication that my account went into collections. they did not process the insurance given to them. once with collections never received any communication that my account was a collections company. I received notification that my account was with collections from a notification alert from credit karma. I called the collection company to see if they could provide me with any information or at least verification of debt letter to send to my insurance company. the rep let me know the account was now with a firm agency and id have to wait for them to send me something, this was back in XXXX. I never received any communication from the firm agency until XXXX I was served with a summons. I wrote a letter to the firm after I was served to see if they could provide me a verification letter to see if it could still be resolved with my insurance because that's what they were requesting and I still haven't heard from none of the collection agencies in regards to verification letters of the debt etc. XXXX XXXX XXXX was the collection company and now its with a firm called Velo law