davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX XXXX overdrafts my account by XXXX dollars. Then between XXXX I was hit with automatic withdrawals that I had forgotten about. On XX/XX/XXXX I was charged XXXX overdraft fees totaling XXXX dollars. The following day I was charged XXXX more over draft fees totaling XXXX dollars. I called and tried to explain yo the company that the overdrafts were completely accidental and not like me. Despite speaking with several different representatives the company refused to reverse all XXXX fees. I requested to have all XXXX reversed during a phone call as well as in person with a personal banker at the branch. The representatives only agreed to reverse XXXX fees despite the fact that I explained to them the funds that are being taken from me are needed for rent and food. The company reversed only enough for me to not overdraft my rent payment but I was left with nothing to pay for food which has cause undue stress in my life because I had the money and this company just arbitrarily took it from me.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (VA)

On XX/XX/year>, I made a purchase on XXXX for the amount of {$360.00}. The order was supposed to be delivered in one package, as indicated at the time of purchase. However, XXXXXXXX XXXX delivery records state that the order was delivered in multiple packages on XX/XX/year>. Despite this claim, I never received any of the packages. I immediately contacted XXXX to dispute the delivery claim, explaining that the order was supposed to arrive as a single package and that I did not receive any part of the order. XXXX denied my dispute, insisting that the packages had been delivered. Following XXXXXXXX XXXX denial, I escalated the issue to my bank, Charles Schwab, to dispute the transaction. I provided all necessary documentation and evidence showing that I did not receive the packages. However, Charles Schwab also denied my dispute, aligning with XXXXXXXX XXXX  claim that the packages were delivered. I have taken all possible actions to resolve this matter directly with XXXX and my bank, but both parties have failed to acknowledge the non-delivery of my purchase. As a result, I am left without the product I paid for and without a refund, despite my efforts to resolve this issue.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (ID)

I tried to amend the pending complaint against Keybank for XXXX because it involves ongoing issues with customers not being able to get documentation regarding the bank policies and customer rights. 
Key bank has not responded to the complaint opened on XX/XX/XXXX involving persistent racial bias at the local XXXX XXXX. That complaint involves being asked for my license for bank transactions when I provide the account information and signature on deposit/withdrawal slips. The issue according to the branch manager has to do with familiarity with customers which is not a subtle way of saying that trust is dependent on the customers race and ethnicity..this despite the fact I have been coming to the branch for a few years. I have not seen anything under the Federal Truth in Savings Act or contract law indicating banks can discriminate customers..and Im waiting for a copy of the policies regarding deposit, withdrawal, and transaction at the branches. 
The PRESENT issue involving disputing debit card charges arose after the complaint on XX/XX/XXXX. I called to dispute a charge on XX/XX/XXXX but a representative called XXXX refused to open a case, told me I couldnt dispute the charge, and also refused to reference to the particular policy or mail copies of Keybank policies. 
I went to the XXXX branch and the banker opened a dispute! How can you provide service that is so inconsistent? The banker gave me the letter opening the dispute with case XXXX. I asked the banker for a copy of policy regarding disputing charges but she had no idea where to find them. 
I contacted the email address on the dispute letter requesting the bank policies that have to comply with the Fair credit billing act but they refuse to respond.
Consumer complaint received 2024-06-16
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX, I sent certified mail a Debt validation letter requesting the following, which under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled too : I dispute the validity of this debt and request that you provide me with the following information to validate it : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Proof of the agreement or contract between the original creditor and myself.

4. Proof that you are licensed to collect debts in my state.

5. A complete payment history, including the dates and amounts of all alleged transactions. 

I've also sent another Validation Letter on XX/XX/XXXX, and to date have not received any information. The company has also been instructed to cease and desist any communication until such time as the debt been validated. From XXXX XXXX XXXX, I have received 14 calls from the company and multiple times a day. I even answered and explained there is a cease-and-desist letter, which they're in violation of. 

There are numerous violations and lack of cooperation on behalf of XXXX.
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (DE)

XXXX Comenity Bank account has been closed since XXXX. They have been reporting on my Experian, XXXX for XXXX years. When I contacted the credit bureaus they advised me that this account will be reporting for an additional 10 years.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-21
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: Kikoff Inc. (AZ)

I filed a complaint on XX/XX/year> against Kikoff concerning not being able to close my account without paying and them assigning my account to an auto renewal without my permission which caused the account to accrue fees and they reporting a late payment to my credit report. The company has allowed me to close the account and not pay the fees. However, they are stating that they sent me an email notifying me of the auto renewal 30 days before my payment was due. I never got any email from XXXX stating that my account was automatically renewed nor did I receive any letter in the mail informing me of this. Its unethical and misleading to automatically renew an account without proper notification and permission so the company can collect more money from customers who are finished with their program. I made my last payment in XXXX and had no intentions of continuing the service. I want the late payment removed. I never authorized them to renew me nor did they send out an email or letter via mail alerting me of the renewal as they stated in the attached letter.
Consumer complaint received 2023-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (MI)

A few weeks ago I received a call from someone claiming to be from Valor Intelligence Processing, LLC.. 
Without providing any context for the call, they asked if I had an XXXX account associated with my address, which they provided. 
I declined to confirm that they had my address correct unless they could give me more information about the purpose of their call. 
They refused to say and I eventually hung up. 

Today, I received a letter from Valor Intelligence Processing saying they are trying to collect a debt on behalf of XXXX for the amount of {$870.00}. 
They provided an account # that is not mine and doesn't even appear to follow the format XXXX uses. 

I have no outstanding debts with XXXX but am concerned about engaging with the collections agency as it appears to be a scam. 
Please advise.
Consumer complaint received 2024-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been contacted by email concerning a XXXX  and XXXX  XXXX account created in my name. I personally reached out by mail to verify my identity and request verification and validation of the alleged debt. Recently, I have also contacted XXXX XXXX XXXX XXXX of XXXX about this matter. The lack of effort used for my investigation is affecting me tremendously and has caused severe XXXX  and XXXX!!! They are continuing to add interest to this fraudulent account and that is destroying my XXXX  profile. I am expecting integrity from both parties and Im hoping I can hold you the CFPB as well as XXXX and XXXX XXXX to a high standard in having this manner resolved in a satisfying manner.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I used my debit card on the XXXX and the funds were in my account and paid for for the purchases, three days later the bank took the amount out of my account again, causing overdrawing. Then, I had {$55.00} in my account yesterday and bought three purchases that were paid for, I had {$27.00} left last night when I woke up, it was negative XXXXXXXX XXXX and change. I called and they were rude and blaming me saying that the merchant never accepted payment when I have the receipts showing otherwise. Then, I had a {$38.00} XXXX refund that was never put into my account they told me it would have to be applied to the negative balance. I filed a dispute. After that, a {$24.00} XXXX XXXX for an e-file tax service was applied and madey balance negative {$48.00} XXXX XXXX XXXX  I had to borrow {$50.00} from family to transfer to get out of the negative balance but I still have not received my refund for the {$38.00} XXXX that the bank themselves told me should have been put in the account when others told me it was when it wasn't. I feel like I was double charged, and I feel like my money was stolen from me with fake fees and stuff. I now have XXXXXXXX XXXX in my account since I had to borrow the funds to pay the fees that the bank messed up on and charged me for. And I still have not received my refund. I will not use this bank again and if they try to use my refund and add an overdraft fee for no reason I will find a lawyer and file a lawsuit. I am on SSXXXX and legally they are taking government money from me.
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I was a day away from closing escrow, when my realtor alerted me that some company by the name of XXXX XXXX XXXX XXXX XXXX has placed a possibly fraudulent assignment on the title of my house at XXXX XXXX XXXX in XXXX XXXX ca XXXX, on or around XX/XX/2017 right around the time that my current lender re -branded itself as MRCooper   because of several pending lawsuits against them. 
It has been over a week that I have been trying to find answers from Mrcooper to try to remedy the cloud on my title and they keep on giving me the run around! 
I found out that Nationstar might have gotten a hold of my subprime mortgage from a know predatory lender ( XXXX XXXX XXXX ) as a part of an illegal loan modification performed by the now jailed attorney doing business in XXXX  and XXXX ca DBA XXXX XXXX XXXX.I urge you to investigate this matter further as I will for sure be loosing my buyer! 
Thanks.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DIGITAL FEDERAL CREDIT UNION (CA)

In early XXXX I signed up for XXXX XXXX and opened checking/savings accounts plus a car loan. During XX/XX/XXXX I created a living revocable trust for me and my husband, and have been engaged ever since in the laborious process of converting my personal-controlled banking and credit union accounts to trust-controlled accounts. Where I must retain personal accounts ( as required per credit union membership requirements, etc. ), I have set up those accounts with my living revocable trust as the beneficiary to ensure that those assets will avoid probate. However, XXXX has informed me via email that they do not support such a configuration ( see supporting attachments ).
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for an Amex Business Checking account using a mail-in flyer. The flyer CLEARLY said that I had 90 days to make 5 qualifying transactions. As soon as I opened the account, I already loaded the {$5000.00} needed to maintain the minimum balance. Today i had made 5 payments into my Amex BUinsess blue cash card, but the customer service representative said I didn't qualify becuase I needed to make it in 60 days. 

This is absolutely unfair. MY flyer said 90 days. And even then, I'm only 2 weeks past the 60 days. I want my XXXX points. I've held this money without making any withdrawals. 

Why didn't I get any kind of notification about my time running out if this was the case? Ive been a loyal credit card holder for 7 years. 

It seems as though they expect you not to get your signup bonus while they get to hold on to more deposits.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (MD)

Account Type OneMain Unsecured Last Payment XX/XX/XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$7000.00} Collection agency has not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006 34 ( D ) and 15 USC 1681-S2 ( 7 ) ( A ) Requesting the purchase agreement between collection agency and original creditor
Consumer complaint received 2024-06-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (OH)

Over the last 7 days, Harley Davidson Financial Services has called me a total of 16 times which is in clear violation of the Fair Debt Collection Practices Act which prohibits the Debt collector to call more than 7 times in a 7 day period.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Looking at my 3 credit reports, they all show different and inaccurate information about an account. The account is XXXX XXXX XXXX XXXX, Equifax shows this account as NOT negative, closed, paid as agreed and last activity XX/XX/XXXX. 

XXXX shows this account as transferred to another lender, was paying as agreed and last activity XX/XX/XXXX. 

XXXX shows this account with XXXX different statuses... XXXX late payments but XXXX  months of late payments are displayed on the calendar, paid off, closed, transferred to another lender and last activity XX/XX/XXXX.
Consumer complaint received 2024-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (DE)

I asked for help in XX/XX/year>, it took them months to offer any kind of help and they only offered XXXX option. So after 6 months of paying the reduced mtg payment they offered me to modify my mtg with a new lower payment. Of course I agreeded as I want to stay in my home but could no longer afford the monthly payment. ( Meanwhile they kept reporting to credit bureau i was late which destroyed my credit and caused issue with other banks i had credit cards with so I was and am no longer able to refi my mortgage ( I have over XXXX in equity ). I signed and returned the mod 3 times now as they keep rejecting it for petty reasons The 3rd one I received with less then a week to return it back to them. I went and had it notarized and mailed it the same week I received it. Called and told them it was mailed but would not be received on time as they didn't allow me enough time. They have no terminated me from mod program and have sent notice to default papers. I have also continued to mail them a check monthly of the amount of the new payment. The 1st and 2nd XXXX would have been recorded at the recorder of deeds with no issues. They are acting petty to have me redo the mod 2 times and to now reject me out of this program and to stop this XXXX from being recorded over them receiving the docs a few days late because of the mail system, which I have no control over. Please help
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-02-05
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. (MI)

I have several accounts on my credit report specifically with TransUnion that are being reported without my permission. I have made multiple requests, and TransUnion has not deleted/removed these accounts. The details are as follows : Under XXXX XXXX Code XXXX ( b ) XXXX XXXX Code XXXX ( XXXX ) XXXX U.S.C. XXXX XXXX XXXX. XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$11000.00} For the past seven months, I have asked for proof of verification along with the original contract with my signature that validates these accounts, as required by law. Neither TransUnion nor the creditors have provided these documents, surpassing the 30-day legal requirement for such validation. This constitutes a violation of my consumer rights. I request TransUnion to either present the original contracts validating these accounts or initiate a reinvestigation, compelling the creditors to provide the required documentation. This is a legal mandate, and the accounts should have been deleted/removed by now. Given the extended time frame, no dispute or investigation is deemed complete unless the original contract with my signed signature is presented by either the creditor or the credit bureau. I demand that these accounts be removed/deleted or verified immediately to rectify this clear violation of my rights.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Pursuant to a XXXX XXXX XXXX visit to XXXX XXXX, an auto sealership, seeking financing for a vehicle. I completed an application for the vehicle with the understanding my credit file was to be pulled 1 time for review, only to find out my personal information was shared with 7 other financial institutions without my permissible authorization, that has equated to 7 different inquiries reflected on my credit. My personal information was forwarded to the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX