davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (CA)

We submitted for a modification and we were denied. 
We appealed the decision according to their guidelines. We submitted the appeal on XX/XX/XXXX Via Email. It was supposed to be in by XX/XX/XXXX according to the appeal document. 

We called in on XX/XX/2024 at @ XXXX XXXX Pacific and spoke to the representative " XXXX out of XXXX ''. 
She informed the appeal was in on the XXXX and uploaded on the XXXX. She said it is under Review to call back after the XXXX. 

We called back on XX/XX/XXXX at XXXX Pacific we spoke to " XXXX '' she said the system is down to call back ''. 

We called back on XX/XX/2024 @ XXXX pacific spoke to " XXXX '' again. She said the appeal was never reviewed. I had her transfer me to super visor " XXXX '' he said " appeal not reviewed because it wasn't in writing ''. ( that's not true the attachment to the email was a letter written in plain English ). 

They stated they were reviewing until it was beyond the date to respond. Then they said it was never reviewed. We are now 7 days away from a XXXX sale and they have been " dual Tracking '' the entire application process. They only informed us about the refusal to review once it was very close to XXXX  date.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (WA)

I am writing to formally express my profound disappointment and frustration with the XXXX  level of customer service I received on XXXX This experience not only reflects a glaring incompetence in addressing customer issues but also a complete disregard for the value of a customer 's time and trust in your banking services. 

The issue began with a simple task : setting up a username and password for my online banking account. At step two, " Enter your card info '', I encountered a persistent error despite entering the correct information. Expecting a quick resolution, I contacted your customer service. What followed was a staggering 36-minute ordeal, characterized by gross inefficiency and a baffling lack of communication within your team. 

During this period, I was transferred to FIVE different representatives, yet my issue remained unresolved. The necessity to repeat my issue each time due to the previous representative 's failure to relay my situation is unacceptable and reflects a serious breakdown in internal communication. This not only wasted my time but also exacerbated my frustration. 

Further compounding the issue was the repeated denial of my request to speak with a supervisor. Instead, I was met with incessant demands to restate my issue, followed by transfers to various departments, none of which were equipped to resolve my problem. This runaround is not only inefficient but also demonstrates a shocking lack of responsibility and accountability within your customer service team. 

The inability to execute such fundamental tasks without causing customer distress is alarming and raises serious concerns about the overall quality of your banking services.
Consumer complaint received 2024-01-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

Year XXXX - my bill was {$65.00} per month. After XXXX month, I noticed my bill climbed from {$65.00} to increased amounts then I got slammed for {$600.00} on XXXX month for policy I never agreed to and was unaware of hidden charges that were a total suprise. I complained but my words went on deaf ears and kept getting a non-cooperative response to resolve this problem of overbilling issue so I closed my account immediately and switched telecommunications provider. 

After closing my account, I kept seeing bill rise and interest charges and other fraudulent charges being billed. I notified my credit company about the problem Today is XX/XX/XXXX. I just received a debt collection notice which references XXXX charges unpaid dating from XXXX ( XXXX years ago ). I closed my account with XXXX XXXX years ago in XXXX. 
The letter demanding payment today is from a debt collector agency named- Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX They ask to send payments to a different address as : Jefferson Capital Systems LLC XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Ref Case # XXXX Their website - www.MyJCAP.com Their Phone - XXXX Avail - M-Thurs XXXX Fri - XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TX)

I am an XXXX XXXXXXXX. One of my XXXX XXXX XXXX XXXX me their payment for their insurance. This is a common practice for payment. The payment goes to my XXXX XXXX account and I make the payment for the client. Somehow on this transaction, the client XXXX the payment and it went to my Regions Bank personal checking account. I didn't think anything of it and I just electronically paid the clients insurance from the account. Regions bank confiscated the money for XXXX loans that they have closed 6 months ago due to my ability to pay the loans. Instead of them paying the insurance XXXX their money, they paid themselves without my authorization. When I call them to ask them to give the money back because it is not my money, it is a client 's money. They refused to give the money back. I did not authorize them to make a payment to them and I did not authorize them to take money out of my account. This is not my money and I can be arrested for theft for taking a client 's money and not paying for their insurance. My Regions bank account number is XXXX. I need the money back to pay XXXX Assure for the client 's insurance. This is not my money and it doesn't belong to me. It surely doesn't belong to Regions Bank.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (SC)

I have fraud protection with XXXX. Received an alert about a suspicious account and was directed to call Barclays about the account wrongfully being in my name. XXXX did all what they could do on their end and investigated. XXXX came back and stated to the account was legitimate. I then call Barclays myself using numbers XXXX and XXXX. They kept asking for the account ending numbers XXXX. I did not enter the numbers because I did not want to wrongfully activate this account that do no belong to me. Never got the opportunity to speak to a representative. Barclays sent me two letters saying they recognize the dispute but the account is accurate. Once again this is not true I have tried several times through both agencies to clear this up. Just now, I received another alert from XXXX that the same Barclays account ending in XXXX have a address on my profile. XXXX XXXX XXXX XXXX, PA XXXX. This is fraud. I know no one in that State and this account is not mine. This is the third agency I have reported to fraud too. Barclays was not helpful at all. I am doing everything to communicate this is fraud. Barclays have no proof the account belongs to me.
Consumer complaint received 2024-01-30
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)

Several charges were posted against my Citi credit card ( ending in XXXX ). These include : XXXX # XXXX XXXX XXXX DE, for {$100.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX I reported these as invalid/fraudulent on or about XXXX The card was cancelled and another one was issued ( current account ending XXXX ) After review I received notification from Citicards that 4 purchases were chip enable and since my card was not out of my possession these are not fraud. I have had this investigation reopened 2 times and am advise that it can not be reopened a fourth time. 
These charges probably represent gas purchases from the subject vendors and should have been flagged as suspicious. I do not believe I have been to those vendors in the past. I have certainly not been to them in several years. Furthermore I believe Citi is in error or deceptive stating the charges were chip enabled. Unless it is possible to counterfeit the chip technology there is no way that the charges could have chip enabled as the cards were in mine and my wife 's possession before and after those charges were encountered. Lastly Citi has not provided evidence that the charges were chip enabled, nor advised me of the time the charges occurred or if it mine or my wife 's card. At this time I don't have any of the needed information to refute there claims and the card is not providing the advertised fraud protection.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AmeriHome Mortgage Company, LLC (UT)

I contacted Amerihome Mortgage upon finding my loan servicing had been transferred to XXXX XXXX. I spoke with XXXX customer service reps during a call on XXXX  XX/XX/XXXX without any resolution about my information being transferred to a company who had experienced a serious data breach of PPI information in XX/XX/XXXX. I was told it was too late that XXXX XXXX already had my information. I then contacted XXXX XXXX ( XXXX of Amerihome ) via XXXX messaging and stated that I did not believe they were performing their fiduciary responsibility by selling any loans to XXXX XXXX. I was then contacted by a VP of Customer Experience, XXXX XXXX who I spoke with on the phone. She told me the packaging was done in XXXX for some XXXX plus loans. Again, Amerihome by selling my loan and thousands of others to XXXX XXXX clearly failed to protect my PPI by sending it to XXXX XXXX. I am now in a position I did not create and forced to do business with a company who clearly failed in their XXXX  protection of PPI.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

While on a cruise in XXXX, I opened up a credit card with Commenity for Diamonds Intl. I was told I had 6 months to pay the balance. I got my card in late XXXX and starting doing my payments. I was planning on paying off the outstanding {$3900.00} in XXXX. I completely forgot and when I called today I learned I was charged {$1100.00} in interest! I told them if they could help me out with the interest charge, that I was paying in full today. The agent said no, I asked to speak to the manager and they said no as well. I find this completely abusive. this is over 20 % interest for 1 month, shouldnt this be annual rate? Can you please help me? This is not what I signed up for and was completely misled.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AR)

Payment was made in full at XXXX on XX/XX/XXXX after hours of trying to log into my account and requesting a new password. Email shows payment was made, however the company did not process the payment until the next day stating " your scheduled payment has been updated '' and then posted it for XX/XX/XXXX. Also stating it could take another 2 days to process. 
Since then I've continued to receive " late fees '' stating the payment I made was late. 
As of XX/XX/XXXX I received roughly 1 call a day until XX/XX/XXXX when I started receiving multiple. The started calling on different lines after rejecting or blocking the calls. The call multiple times in a row and at all hours of the day and night. On XX/XX/XXXX I had 6 calls from 1 number, 2 from another and so on each day.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I am writing about my Citi Aadvantage Platinum Select Card. Their customer service number is XXXX. 

I noticed that each month my credit card bill included a high interest charge even though I pay my bill down by the amount shown on the bill each month. 

For example, yesterday ( XX/XX/24 ) I paid {$19000.00} towards my current bill of {$18000.00} which is not even due until XX/XX/24. As a result, my account home page shows no payment is due. It shows a balance of {$1500.00} but those are charges that have been incurred after the current billing period. 

I asked that since my current bill has been paid in full should I expect interest charges on my next bill. And they said " yes, until you have a XXXX balance. '' How can I be charged interest on charges that haven't even been sent to me in a bill and while my account home page clearly says no payment is due? I wouldn't even know those charges existed if I only got paper bills. This is crazy. 

At the every least this is intentionally deceptive business practices and at the most there's go to be something illegal here. 

I was never given an answer when I called them. The call lasted XXXX minutes, XXXX of which I was on hold and then the call was disconnected ( not by me ). 

I would like any interest that I have paid be returned to me and for their business practices to be more transparent and clear. 

Thank you,
Consumer complaint received 2023-05-07
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. (TX)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear Credit Bureaus : I am requesting XXXX inquiries are removed from my credit report : # XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Regarding XXXX ticket # XXXX : Addresses where I have lived : XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Occupation : XXXX XXXX XXXX XXXX XXXX  My credit report must be accurate because it has an impact on my livelihood.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have asked Trans Union to investigate the first time and they updated saying it was accurate without sending me any proof. so I asked for a re-investigation and they said they cant do the reinvestigation because its already been updated and I asked for proof of debt with my signature and I havent received it They have not sent me any documentations showing any accuracy that I own the debt and they state that they can not reinvestigate the accounts.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 that the information is inaccurate.
Consumer complaint received 2024-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC (TN)

I had derogatory marks on my credit report for years from XXXX XXXX XXXX. I have never had an account or done business with this company or the company the claim to be collecting debt for. 

I have asked for any proof that debt is owed multiple times over a 5 year timespan but the company just sends a letter stating that the are collection the debt from an account with a prior company called Rise. No information has ever been provided that I signed or have ever done business with either of these companies & XXXX refuses to remove the info from my credit report. 

To make matters even worse an unauthorized party gained access to their systems and the party gained access to my information.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have asked you to validate the alleged debt that you claim that I owe, and you have not provided me MASTER BILL OF SALE. In addition to that any statements and signatures to an alleged account that you blatantly mis-represent the material facts that this alleged account is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company XXXX XXXX XXXX reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.
Consumer complaint received 2024-04-08
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-11-16
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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