davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A. (IA)

This is a bit of unique scenario, so I'm not sure if the selections I made were 100 % appropriate to land where we did. I am a XXXX in the XXXX XXXX XXXX. I have about XXXX Soldiers I am responsible for directly out of the Kansas XXXX, MO area. Several Soldiers are being assessed undisclosed fees by Citibank on their Government XXXX XXXX. The fees include a {$29.00} late fee ( this used to be disclosed in the past, but is no longer ) and a {$89.00} salary offset fee ( never disclosed that I could locate ). They are using the military as their collection arm for said fees. I called Citibank directly on XX/XX/23 asking for these disclosures to be provided at XXXX. I was told I would need to speak to their collections department and transferred a few times. After about a 1/2 hour wait, I disconnected the call as I was at work. I had one of my Soldiers with fees also attempt to call in this week and she advised she disconnected the call after about an hour wait. I called Citibank back yesterday, XX/XX/23, and advised I would like to file a formal complaint regarding potential XXXX ( A ) P and SCRA violations regarding their undisclosed, pyramiding, and junk fees. They took my complaint and I received a return call this morning at XXXX AM XXXX from XXXX. I shared my concerns with the representative as he seemed unprepared for the conversation and had not read the complaint I provided the previous day. Ultimately he did confirm the fees are not disclosed anywhere beyond directly in the " master contract '' with the government. He also said the {$29.00} late fee is assessed on any balance over {$1.00} ( which is insanely high ). They will also charge late fees for late fees. My Soldiers are being charged these fees directly by Citibank, using the military hierarchy in an attempt to collect them, and are not disclosing any of this to the end user. The Soldier also can not avoid harm as they are required to have a Government XXXX XXXX. 

Please note I have collection attempt emails, but they will not attach. I can forward as requested.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

I am writing to you regarding an issue of utmost importance that has recently come to my attention. It has been brought to my notice that there is a debt in the amount of {$670.00} associated with my name, which I believe stems from a case of identity theft involving a stolen credit card. 

I want to clarify that during the period from XXXX to XXXX, I was unfortunately XXXX, and during this time, I had no means of making any transactions, including those related to the aforementioned credit card account. Upon my release from XXXX I was shocked to discover the existence of this debt, as I had neither authorized nor acknowledged any transactions related to it. 

I have taken several steps to address this issue. Firstly, I filed a report with the XXXX XXXX Police Department, detailing the fraudulent activity surrounding the stolen credit card. Additionally, I submitted a report to the Federal Trade Commission outlining the identity theft that occurred. Furthermore, I have provided documentation proving the duration of my imprisonment, demonstrating that I was unable to engage in any financial transactions during that time. 
Given the circumstances outlined above, I kindly request that the associated debt be dissolved. This unjust debt are severely hindering my ability to achieve financial stability and provide for my family. Resolving this matter is crucial for me to move forward with my life and overcome the challenges I have faced. 
I appreciate your attention to this matter and kindly request a prompt resolution.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Bank of America was my original mortgage company. Back in XXXX I went through a divorce and bankruptcy there was modifications done so I could lower payments and afford to stay in my home. My mortgage was then sold to XXXX who then was sold to XXXX XXXX. then they sold my mortgage again to XXXX XXXX  that is my current servicer on my mortgage. All was ok until I was then laid off due to XXXX in XXXX which put me in a financial bind again and it's been an uphill battle since! fast forward to today. My home sits on XXXX acres of land I am trying to sell a portion of the land to pay off my mortgage so I can stay in my home and downsize to a manageable level I am XXXX XXXX XXXX alone and trying to survive. I have buyers and we are ready to close when they pulled title work it's showing that the XXXX modifications that Bank of America did were not transferred with the XXXX mortgage when it was sold. It shows that they still hold it and they refuse to release it saying that since the loan was sold they are no longer able to release or transfer them. This is preventing my closing and needs to be addressed by BOA as soon as possible. They keep saying that it's not them but they hold the lien. I am putting in this complaint in hope something can be done about this or at the very least consumers know not to deal with BOA with their mortgages or check them if they have modified and the mortgage was sold because this will come back to bite if you choose to sell the home.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My mortgage with XXXX XXXX XXXX XXXX was transferred to Shellpoint Mortgage Servicing ( a division of Newrez LLC ) and I received a letter from Shellpoint dated XX/XX/XXXX advising that they were now going to collect the loan payments on my loan number XXXX I have been continually incorrectly charged fees for lack of insurance which I have proved to Shellpoint on numerous occasions that there is insurance on the condo. 
They charge an HUGE fee ( {$670.00} ) for late payments on the monthly payment of {$2600.00} - I can not believe that this can be legal? 
The final tipping point for me was when I received a very aggressive phone call on XX/XX/XXXX from a guy at Shellpoint ( XXXX XXXX ) where he informed me that the mortgage was now in foreclosure and unless I paid immediately a sum in excess of {$8500.00} I would lose my condo. 
He then sent me an email with a " XXXX XXXX ''. 
I would point out that I was only in arrears for XXXX. 
He also said that there were " legal fees '' in excess of {$1000.00} to pay. 
I can not believe that this is legal. 
I wish to make the strongest complaint to Newrez LLC
Consumer complaint received 2016-12-27
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Access Credit Management, Inc. (AR)

I was paying on the balance of several XXXX bills due to XXXX ( XXXX separate XXXX within a period of 4 months, All performed at XXXX XXXX XXXX Hospital in XXXX Ar. ) - I paid on them for over 2 years, Then I was contacted that my payment of {$25.00} was not enough! Shortly afterwards- I XXXX and 5 months later had a XXXX.~ I was off work for quite awhile~ and I tried to get them to work with me~ They did combine XXXX accounts into XXXX, but I could not pay XXXX per month. 
I am single - live alone XXXX XXXX XXXX and the only income I have is made solely by me~ After rent, utilities, etc. there is no way I can pay that amount! 
Since then I do have Medicaid, but I do not qualify for any other type of assistance. 
I got tired of the harassing calls ~ I could not have done anything anyway, the payment plan they set up for me was absurd!
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FISERV INC. (NJ)

This is in relation to claim XXXX against XXXX XXXX XXXX 

They have claimed that the " FiServ '' network has blocked my access to XXXX despite them removing the block on my account. They refuse to do anything to reach out to see why this has been blocked. FiServe has not reached out to me to do any sort of investigation. XXXX had not clarified what their relationship is with FiServe or XXXX. 

My belief is that someone falsely reported a mistaken transaction sending me money as fraud. I have clear documentation from all parties saying there was no fraud but have no way to reach anyone. 

Their blocking XXXX is putting me at risk for lawsuit as I have no safe way to return the money to the sender as I have been told by XXXX XXXX  that if I were to return other than send back the money they same was it was sent so there is a paper trail there is a risk the transaction could be reversed after I already returned the money. 

My number registered is XXXX and under the email XXXX XXXX
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Back in XX/XX/2022, I told the credit bureaus to verify every piece of information on the accounts listed below. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. These accounts are still not showing 100 % accurate and there are many discrepancies. According to the FCRA 15 USC 1681, everything needs to be 100 % accurate, or it must be removed. I have attached my credit report showing the inaccuracies as well. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (TX)

I submitted a dispute to Sachs for a transaction made to XXXX XXXX in XX/XX/2022. Sachs sided with the company and did not do a final credit to my account. After Sachs lied about other transactions I did research on this and discovered that XXXX gave the money back to Sachs. XXXX  money sucking wallet vampires
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am filing this complaint on my own behalf regarding late payments reflected in my credit record. Despite sending multiple letters over 30 days ago, I have not received a response nor satisfactory validation. I kindly seek your assistance in resolving this issue.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a complaint with CFPB complaint # XXXX about inaccuracies on my Consumer Report with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX That account results came back Delete but the closed account still reporting past due violations still reporting accurate payment history on a closed account on my credit report.. 
The issue is that the inaccurate account was supposed to be Deleted but still reported please resolve in delete inaccurate account that was listed as Deleted but still reporting
Consumer complaint received 2019-11-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (GA)

I mailed PayPal Credit a letter stating to cease all contact with me for a debt they allege I owe. I have a tracking number as well as sign conformation that they receive the letter. Then today i got a letter form them in the mail. This is in direct violation of the law. 


" Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. ''
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$1100.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$510.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$3800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, I tried to buy XXXX XXXX tickets. The Seller was charging {$350.00} per ticket and I was planning to buy 3 tickets so a total of {$1000.00}. The Seller requested payment through XXXX. Prior to sending the money, I called US Bank to ask if I was covered by my bank in case this ended up being a scam. I did my due diligence by looking into the person and asking specific questions and felt like it was legit. The customer service rep at US Bank told me that I would be covered if it was a scam and all I needed to do was to call back and dispute the charge on my checking account and a claim would be opened. Unfortunately, it ended up being a scam so I called US Bank and immediately disputed the charge and opened the claim. I was told that is would take 7-10 business days to hear a decision and if it was approved then it could take 45 days to get the money back. I asked what the likelihood of this being approved given the situation and was told it was very likely as I was clearly scammed. On XX/XX/XXXX, I received a letter from US Bank telling me my claim was denied. On this letter there was no reason for denial and it says I can call US Bank and request an documents used in the investigation. I called US Bank and asked what was going on, the rep pulled up the claim and could not find any reason on her end or any documents used. The rep told me that she would reach out the claims rep and when she heard back she would call me. She never called me back. On XX/XX/XXXX, I called US Bank again to see what is going on with this claim. That rep asked if the letter gave a reason for the denial and I said no. They put me on hold to find out what was going on. When they returned all they said was it was denied and I could call the police and file a civil suit if I wanted to. When I asked, why I was told otherwise back on XX/XX/XXXX, I was not given an answer. I requested all of the documents that were used in the investigation to be mailed to me. I was lied to on multiple occasions by US Bank and how they handle this situation makes it hard to trust them. Their employees agree with me and understood my frustration and thought it was not fair as I was told on the phone.
Consumer complaint received 2023-06-15
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. (AZ)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Bankruptcy Discharged XXXX XX/XX/2018 XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Bankruptcy Discharged XXXX XX/XX/2018 XXXX XXXX Balance : {$770.00} XXXX  XXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} Chapter XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance Owed : XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX H XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

recently I applied for a Bank of America merchant account for my small business and I purchased a mobile unit to accept credit cards that the bank charge {$99.00} for it I did 3 transactions and the bank told me that they were suspicious only because the address were the same. the addresses are same, the first 2 transactions were my other business paying with the business credit card to XXXX XXXX XXXX XXXX with the merchant account that also own and operate both businesses from the same office address, but to Bank of America its suspicious. this compliant is about the 3rd transaction and was last transaction before they suspended the account it was for {$1500.00} and the bank ask me for the 3 invoices for the transactions which I supplied to them containing all the information they ask for then they the close account. and the last transaction and return the {$1500.00} back to the card because the event was cancelled. The Bank did not credit my business account with the {$1500.00} that was return to the cardholder leaving the business checking short {$1500.00} even though the got the money they did not take the transaction fee of XXXX percent, but they still own the business money which their holding for 6 months, they told their excuse is if it becomes a charge back, however there won '' t be a charge back because the cardholder already got the money back, they refuse to Credit my Business with the Money for 6 months
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma (TX)

I detected fraudulent activity on my Credit Karma account & immediately notified the bank what was going on. I called the support team & they basically told me I needed to wait for the charges to finalize, & then I could dispute them. That is completely outrageous. The withdrawals are obviously from phony creditors. I was able to stop the first payment thankfully, but then it happens again. And these are for large amounts. I reluctantly waited for the provisional credit only for it to be hacked/withdrawn from my account again in less than XXXX hours. I am beyond frustrated with their support team. No one is giving my case any sense of urgency. Everyone is apologetic but I dont need empty apologies, I want answers & a resolution. Please help me.
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (PA)

I am writing to express my deep concern over the significant burden of my student loan debt, which currently stands at over {$200000.00}, including Parent Plus loans for my daughter. When these loans were initially taken out, I was a single mother and needed additional funds beyond tuition to provide my family 's basic necessities, such as housing and food. This financial decision was made because I was told over and over again that a XXXX XXXX XXXX would secure a stable and prosperous future. Unfortunately, this has not been my reality. 

My career in XXXX XXXX XXXX XXXX, during which I hoped to benefit from the Public Service Loan Forgiveness ( PSLF ) program. However, the intense pressures of the job due to the pandemic, severely impacted my health, both mentally and physically, ultimately leading to XXXX XXXX XXXX  and forcing me to leave the profession. This has left me without the anticipated financial relief from PSLF. 

Furthermore, societal misconceptions about income levels are distressing. Comments like those from media figures suggesting that earning {$20.00} an hour is equivalent to a {$100000.00} yearly salary highlight a profound disconnect from the actual living and financial conditions many Americans face. This misperception affects my ability to obtain realistic financial aid and support for my other children 's education, who are XXXX XXXX XXXX and approaching college age. 

Given these circumstances, I urgently request a reassessment of my repayment plan to ensure it accurately reflects my financial situation and hardships. A revised, manageable repayment plan is essential for maintaining my family 's financial stability and ensuring my children have opportunities for their future education. Or student loan forgiveness given that I was seriously misled about my financial future. 

I trust this matter will be handled with the urgency and seriousness it deserves, and I look forward to your prompt and substantive response. Thank you for your consideration of this critical issue.