davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I received a text on a Sunday - that my credit card was used at XXXX XXXX XXXX for {$630.00} & card was declined + XXXX at XXXX for {$230.00} was approved - asked did I authorized this activity. I called the Bank of America # on my card, waited over 2 hours & said " NO '' Basically advised to call back on Monday. I also contacted XXXX & they said they couldn't do anything until credit card company advised. 

Called on Monday & said " NO '' again & was advised to throw away my card & they would issue a new one. 

XX/XX/XXXX  I received something from them which said they were temporarily crediting my account the {$230.00} while they " researched '' my claim. What is to research - I didn't authorized the used of my credit card. I have never been to that place. 

Chargeback Response from paperwork said unintelligible stuff that credit card # & name, address and expiration date were verified for " All day dining premium '' at {$230.00}. Again, I did not do this - after XXXX I received the {$230.00} on my credit card and they still expect me to pay this. I did not do this! 

Do I contact XXXX again? What do I do? Credit card company is no help. Don't have anything really to attach - I did not authrorize this!
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (IA)

I pay biweekly bank payments with extra to my mortgage but do not use their biweekly payment option. On my payment activity I have line items of " Lender Paid Adjustment '', {$39.00} and then " Lender Paid Expense '', {$39.00}. When I called the customer service they said, it was a loan because that months biweekly payments did not add up to a full payment. I bank pay biweekly and they said that any extra biweekly payments go to prepaid interest. So if I understand this correctly, I am paying biweekly but the company is loaning me the balance for that months payment because they sent any extra to prepaid interest. Then they pay that months loan to the principle balance even though I'm ahead in monthly payments. I asked them to stop doing this and put any extra to principle. They said because of their system algorithm they can not do that. I would need to call in each month and specify that any extra goes to principle. This seems to be self-serving and I want them to stop applying my funds in this way. They refused.
Consumer complaint received 2023-03-12
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. (MD)

The following XXXX accounts were removed by XXXX and XXXX based on my identity theft case which occurred to me a few years ago. However, these XXXX accounts are still being reported by TransUnion. I attached the fragments of my latest credit report showing which accounts are still being reported against my will. On my part, both of the creditors were contacted about the identity theft issue and they took a note. I communicated the same to TransUnion credit bureau, however they have not made proper adjustments to my credit report by removing these XXXX accounts. Therefore, I'm here asking for your help in this matter. Please assist me in this dispute.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NC)

XX/XX/2023 XXXX XXXX XXXX ALLY Financial paying XXXX monthly I would like my personal information protected 15 USC Code. 2a Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged, identityTheft, Not Later than 4 business days after the date receipt. It has been 30 days and they are violation of the law because I am a victim of identityTheft!! PLEASE Delete These item
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NY)

LVNV FNDING LLC is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX  consumer report on XX/XX/23 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Consumer complaint received 2018-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I have sent money to a professional colleague ( a physician in XXXX ) more than 20 times in the past, but suddenly WU is refusing to disburse the money to him. They admit they have received the funds from my bank account and have confirmed via email that the funds are available -- but they refuse to give him the money.

WU sent me the following confirmation : Thank you. The payment for your money transfer has been received and is available for pickup.

[ My recipient -- name redacted here ] will need to bring a government-issued photo ID and the tracking number ( XXXX ) to pick up the XXXX USD you sent. They can pick it up at any agent location in the expected payout location. 
If you have any questions, contact us anytime. 

Thanks for using Western Union. 
XXXX This is your proof of payment for the money transfer below. 
_____________________________________________________________________ Your tracking number ( XXXX ) is : XXXX Transaction Date : XX/XX/2018 XXXX ET However, when my recipient attempted to pick up the money, he was told the transaction had been blocked. When I inquired, WU simply stated " We checked and reviewed the tracking number you have provided us, due to various laws and regulations across the countries where we do business, we can not complete this money transfer to this receiver. '' Their so-called " customer care '' representatives tell me that there has been no change in the rules for sending money to XXXX, but they refuse to tell me why they are blocking the funds from being disbursed to this physician.
Consumer complaint received 2024-02-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (HI)

I received an email message from Macy 's Citibank Credit Card on XXXX that said my account is past due. I know for a fact I made a full payment of the balance of {$68.00}. 

I reviewed my prior email and received an email from Macy 's Citibank on XXXX thanking me for my payment. 

Another email from Macy 's Citibank said that " your bank was unable to process the payment, '' so I called my bank to find out what happened. I spoke to my bank twice today, and the representatives verified that there was no rejection by them for a request for payment.

I called Citibank, and when I informed the guy that I spoke with my bank and there was no rejection by them to process the payment request, he asked me if " I had proof. '' The guy also interrupted me and out of frustration I asked to speak with the supervisor, and I had to verify my tel. no., and also verify that this was a cellular number, which then required him to read a list of issues with cellular phone numbers. I was placed on hold for 15 minutes, and because I gave Citibank my tel. number, I expected a call back. No one called. 

Obviously, there is a problem with processing, but it is not due to an error on my part or my bank 's. I do not want to make another payment, because Citibank 's email to me states that I have a balance of {$99.00} due on my account, and this is wrong. When I made the {$66.00} payment on XXXX, my balance was XXXX. I have not made any purchases with Macy 's since then.

The other problem is that Citibank 's website does not allow the consumer to view their statement ; every time I try, it says Citibank is unable to process the request. So as a consumer, I am informed I owe {$99.00}, but I can not review my statement showing the charges. This is a problem.

One final note : When I spoke with my bank representative and discussed the issue with Citibank, she disclosed that Citibank sent her the exact same message, i.e. that " your bank was unable to process the request. '' She also shared that she could not review her account statement. This means Citibank is messing up, not only on my individual account, but others as well. 

I am upset that Citibank never bothered to return my call, despite giving my tel. no. and having to listen to useless information about cell phones.
Consumer complaint received 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (OH)

We sold our house and we are in contract to close XX/XX/XXXX. Request payoff amount and received XXXX XXXX. This payoff was incorrect- stating we owed interest for all of XXXX in the amount of XXXX along with other fees. There were also unapplied funds in the amount of XXXX that no one could explain why they were not applied. We are currently almost out of XXXX XXXX XXXX through which our trustee has been sending monthly payments to the company that have not been accounted for, so they say. We have also been sending full monthly payments ( that include interest ) every month since bankruptcy. We are not behind at all. I have sent the correct documentation providing proof of this to the research department on XX/XX/XXXX and on XX/XX/XXXX I received XXXX emails with payments credited to our account. I called to follow up and was told that I was paid in full until XX/XX/XXXX and at this time I requested another payoff amount. This arrived and was the exact same amount as the previous one - nothing was adjusted. We then received a statement in the mail with our principal balance decreased to XXXX with XXXX in escrow. I called back to question this and why the payoff was not showing this change and they told me those payments credited were reversed. That the bankruptcy portion was not showing. I think submitted more information from the trustee of and itemized list of payments made from the courts every month. This was submitted on XX/XX/XXXX. I was told it was escalated- due to my situation of being in contract to close. I was told I would have resolution by the end of business day on XX/XX/XXXX. I called on that date and there had been no change. Called on the XXXX and no change. Called on the XXXX and was told that there are people ahead of me- they will not move me up in line, and I will hear by XX/XX/XXXX. I have been given a different story and different amount no statement is consistent with the other and no one will help. Possession is to be taken of our home on XX/XX/XXXX from our buyer per contract, we have a contract on another house and the buyers also have buyers in contract on theirs. I was told if I pay this wrong payoff amount even though I am disputing it and have been for a month - I am agreeing to the payoff. I am backed into a corner with this company. They know I am in contract and at some point have to close which means paying off the amount, tell me if I pay if off I agree, even though I do not and I know it is wrong. I have taken all measures and provided all documents to get this taken care of and no one is.
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

Citibank sent me a letter dated XX/XX/2018 saying that they were going to charge me for insuring my apartment. The letter acknowledges that I have homeowner 's insurance already but says it has to purchase it for a past period. 

Citibank does not claim it actually purchased insurance for me, it says it is going to purchase insurance and charge me {$100.00}. 

As everyone knows, no insurance company will ever pay to insure a period of time that has already ended. So, it is impossible for me to purchase insurance for that period. It is also impossible for Citibank to purchase insurance for that period, but they still plan to charge me {$100.00} even though they will not actually buy insurance with that money. 

I called Citibank today and they said the letter was valid and they are going to charge me {$100.00}, even after I explained the situation.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2018-08-26
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: EQUIFAX, INC. (IL)

I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted Equifax, XXXX, and XXXX to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MI)

I received a letter from my bank PNC stating that my saving account has been closed and that my checking account will be closed on XX/XX/XXXX, I called the bank after speaking to agent on the website chat and was asked for this decision to be reconsidered because i felt that this decision was discriminating due to the identity theft and not fair that my account is closed due to something I'm a victim of, i have child support payments that come through to that account every month through the state, closing this account would effect me and my daughter tremendously because i failed to get approved for another checking account with other banks. i have a FTC report claim number to support the fraud charges i was given a reference number for escalation department and told to call directly, I called them on XX/XX/year> at XXXX ; XXXX explained my situation and gave the reference number which they could not find, I went through explaining the situation then i was told that my account was being watched for fraud charges and that it will be closed on XX/XX/XXXX, I explained to the agent that i already knew that and that I was calling for them to reconsider, after waiting 10 mins on hold, the agent ( XXXX XXXX told me that the bank did not have to explain to me why they are closing the account. I asked to speak to a manager the agent put me on hold then told me that he could not get a manager to speak to me and was told that someone will call me back.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/year> I finally realized that I was being charged for an insufficient funds fee for an account that was supposed to be a savings account but somehow was converted into an additional checking account. I closed the account and requested to know how this account came to be. They claimed it had always been this. I insisted that that was not correct. I asked if I could be refunded and have my complaint moved up to XXXX. I was told I could get the refund for the month and I could close the account. This of course was after I requested it to be closed. I never heard from XXXX or ever received a call from Wells Fargo
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed account : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

Made payment through XXXXXXXX XXXX for XXXX dollar which was a balance due. Prior to payment XXXX never updated invoice and claim they will not once the account is paid off and closed. At which theyve sent the payment to resurgent but they refuse to delete debt collection off account unless they get a verbal response from XXXX XXXX Ive sent over bank statements as well as payment directly from the XXXX payment page before they lock me out of the portal. But unfortunately still nothing done in my favor and now XXXX is stating I never made an payments.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

To Whom It May Concern, I am writing to dispute the inclusion of inaccurate and unauthorized information in my credit report. Specifically, I am concerned about the addition of temporary employment and incorrect addresses without my permission. 

The inclusion of temporary employment on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) under Section 607 ( a ) ( 3 ) ( B ), which requires that credit reporting agencies ensure that the information they include in credit reports is accurate and up-to-date. The addition of temporary employment has no bearing on my creditworthiness and is irrelevant to my creditworthiness evaluation. 

Additionally, the inclusion of incorrect addresses is a violation of the FCRA under Section 607 ( b ), which requires that credit reporting agencies maintain reasonable procedures to ensure that the information they report is accurate. The inclusion of incorrect addresses can negatively impact my credit score and can potentially lead to identity theft. 

I demand that the credit bureau remove all inaccurate and unauthorized information from my credit report immediately. Furthermore, I demand that you provide me with an updated credit report after the change is made. 

I expect a prompt response from you in accordance with the FCRA. If I do not receive a satisfactory response from you within 30 days, I will pursue all legal remedies available to me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

Discover Card allowed a charge in the amount of {$270.00} to go through on a card that was closed in XXXX due to unauthorized charges. The charge appeared in XXXX of XXXX and went undetected by me at that time because the Discover Card had a XXXX balance and was not being used. In the following months, Discover Card removed money ( {$70.00} ) without my permission from my personal checking account for payments on a balance that I did not know had been made on the card. Discover Card claimed that I had authorized autopayments in years prior, but they never had to use the autopayments because I " always paid before the due date. '' The unauthorized payments that were removed from my checking account were discovered because it negatively affected my checking account. In XXXX of XXXX, I contacted the origin of the charge, XXXX XXXX, and inquired about it. XXXX XXXX informed me that they did not charge the card and it was not valid. In fact, there was a different credit card on file for my XXXX XXXX account and my Discover Card had been removed in XXXX as the method of payment. I called Discover Card and informed that there is a charge in the amount of {$270.00} posted to the account that was not made by XXXX XXXX and not valid. Discover Car deemed it fraud and launched an investigation. They also opened a billing dispute and a credit was issued in the amount of {$270.00}. I informed that the had been taking automatic payments without my consent and they immediately issued a check in the amount {$70.00} for stolen, unauthorized " automatic payments. '' I called Discover Card a second time about their unauthorized, automatic payments had done to my checking account and they issued a second inconvenience payment in the amount of {$200.00}. The dispute was resolved in my favor in XXXX of XXXX, and I believed the matter had been settled. However, in XXXX of XXXX, I received a billing statement indicating that the XXXX XXXX  charge had been reversed and that I owe Discover Card {$270.00} because they had paid XXXX XXXX. Discover Card has been charging late fees, interest and other penalties to the account because they have not properly adjusted the account. I have called Discover Card multiple times trying to get this issue resolved to no avail. I have reached out to upper management just to have them call me names and insult my intelligence. Discover Card has been calling my home trying to collect on a debt that does not belong to me and is not valid.