davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I purchased an appliance on XX/XX/2021 but it didn't fit. I called to have it returned and was told to wait a few days to get it cleared. I needed the fridge and couldn't't wait so I had my credit increased. A few days later, XX/XX/XXXX, I bought another one. Now, both charges were on my account. Apparently there is a debt protection program that I was enrolled in. I had inquired about this years ago and the employee says its a fee for not using a debit card. XXXX, I didn't question it because it was a few bucks each month. Now, I had 2 large charges on my account which caused it to go over the limit even though one should have been returned. I waited and called back a few weeks later and was told it wasn't cancelled yet so they would cancel it. I waited a few weeks and it was still on my account. It was time to pay my monthly payment but I don't feel it is right to pay a payment when my account isn't correct. I called again and was informed that it was never cancelled but NOW would be cancelled. I waited for it to show on my account as a pending return. I noticed that the debt protection fee is {$40.00} which is way more than usual.I called debt protection number that was on the statement and they explain what it was and how its charged so much for every dollar amount charged. I asked to cancel it and it was. 
I received many calls everyday asking when I would pay my payment, but was never contacted to let me know the status of my return or any follow up calls. So, I informed the person that I would pay the payment once my account is correct. She informed me that she will return the late fee. I asked why I was charged so much for the debt protection when clearly the fee was accessed for both appliances and didn't take out the part that was returned. I don't understand why I am charged almost double for the protection fee when that was Best Buy 's mistake of not returning the 1st appliance so the debt fee was calculated for the over {$5000.00}. The lady on the phone said that the debt fee was returned but I do not see it. I'm tired of going back and forth with it. I refuse to pay such a high debt protection fee for an amount that shouldn't have been on there for more than a week, but was there for almost two months because of Best Buy 's mistake.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (TN)

Issue : Property taxes not paid from Escrow account for 2020 and now I'm having to pay out of pocket with interest and payment processing fees.

Tax & Insurance were to be escrowed and paid by Mortgage Servicer per the signed contract and Final Closing Disclosure signed by borrower. Lender and Title company were notified XX/XX/2020 by borrower of errors after closing when Title company did not pay correct cash due to borrower per Final CD. Title company advised borrower that an amended closing disclosure was generated the morning of closing and should have been provided to borrower at that time. However, borrower was not provided an amended closing disclosure on day of closing or ever signed agreeing the amendment. Lender advised Title company this amended closing disclosure was not valid and the original closing disclosure signed and provided by borrower were to be the terms of the loan. I was advised by Lender that Title company errored and Title company disbursed difference in owed amount after Lender told them they could not amend the mortgage documents from what was signed at closing in accordance to signed Final CD.

Additionally, borrower believes mortgage was created & sold with the details listed in the invalid amended closing disclosure as the Servicer of the loan confirmed to borrower that they were instructed not to make tax payment per the Initial Escrow Closing Disclosure. However, the signed and agreed Escrow Closing Disclosure shows that taxes were to be escrowed and paid by servicer while the amended invalid Closing Disclosure the Title company sent borrower did not show the loan as being escrowed and believed to be the source of this newly discovered error. Furthermore, borrower is concerned mortgage was generated with invalid amended terms as Title company requested borrower sign QuitClaim Deed after closing in apparent attempt to correct the mistakes made in names. 

Lender- Fairway Independent Mortgage Corporation DBA XXXX ( XXXX XXXX XXXX Ct XXXX XXXX TX XXXX ) Title- XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ) Initial Loan Servicer when taxes were due from escrow- XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX )
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

I have two accounts with CHASE CREDIT. One of them has a XXXX balance ( AARP ) the other is current ( AMAZON ) and I have never been late on.

Last week I got a call from a rude person claiming to work for CHASE to do a 'review of my credit line ' Since I was current I was surprised and asked why this was happening. She refused to answer that and informed me that since I had ten other credit cards " what's up with that? '' There was ONE month with ONE card that I was late in paying ( not CHASE ). I explained I had not received the paper bill and that was why it was late. She told me she could cut my credit line since they were concerned even though the one-month delinquency was not with CHASE. All of this while I heard her repeatedly yell at her child to " be quiet mommy 's working '' so clearly I did not have her full attention or sympathy.

Today I received two letters reducing my limits on both cards. even the one paid in full!

Please contact them and get them to reverse this unnecessary punitive action.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (IL)

These were XXXX records that both collection agencies failed to validate and didnt honor the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX H & R Accounts, XXXX XXXX XXXX, XXXX, IL, XXXX 1 mailed verified letter was sent to XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, XXXX, and XXXX ). After 30 days I didnt receive a letter back so I filed a dispute with XXXX and only account XXXX was deleted, which was the lowest amount totaling {$240.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 2 letters and likely claim they only received 1 letter in the envelope. The other 2 accounts were only updated as a result of the dispute with XXXX. I verified mailed letter was sent to H & R Accounts and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX and only account XXXX was deleted, which was the lowest amount totaling {$110.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 1 letters and likely claim they only received 1 letter in the envelope. The other account was only updated as a result of the dispute with XXXX. 

I do have the receipts to confirm that the letters were verified.
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A letter was sent to the credit reporting agencies regarding inaccuracies on my credit file. I sent a letter on XX/XX/2021. The CRA has not contacted me regarding my case which is a direct violation of my rights
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

A letter was sent on XX/XX/2021 addressed to Transunion requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to Experian requesting a free credit report. However, Experian failed to provide the report by mail. 

I have attached proof of letter sent to Experian requesting the report. 
I have attached ID as proof of address and identification
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to Equifax requesting a free credit report. However, Equifax failed to provide the report by mail. 

I have attached proof of letter sent to Equifax requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX  requesting a free credit report. However, XXXX  failed to provide the report by mail. 

I have attached proof of letter sent to XXXX  requesting the report. 
I have attached ID as proof of address and identification
Consumer complaint received 2021-05-11
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: Experian Information Solutions Inc. (NJ)

I submitted Disputes to Experian on XX/XX/2020 and XX/XX/2020 in regards to XXXX XXXX on my report as not being mine. Experian said XXXX verified debt was mine. I in turn wrote letter to XXXX XXXX asking for verification of debt. The bill sent from XXXX XXXX was for another person with my same name but different middle initial and different address. I responded to XXXX and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked XXXX for the original credit agreement with signature of person from whom they are trying to collect debt. XXXX did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how Experian can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So Experian couldn't have asked XXXX to verify my SS # nor address that I've had for over 10yrs now. I disputed this same XXXX XXXX debt with XXXX  and the debt was removed from my report. I have not been able to see my report from XXXX  as of yet .I request a hard copy of my report from XXXX  XX/XX/2020 and never received it. I am current trying to contact XXXX  customer support to figure out why XXXX can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from XXXX.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I XXXX XXXX am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this 05/02/2021.This agency failed to block in 4 days so now I have to get the cfpb involved because you have clearly broken the FCRA laws XXXX I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. so please don't try to use that stall tactic. I'm telling the CFPB right now in advance that you might try to pull that.
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (IL)

I contacted the agency to try and resolve the matter. They offered a settlement in which I accepted and paid the same day. My direct question to XXXX XXXX was does this include all debts me and my husband has with your company. His reply was yes and that all accounts would be removed from my credit report. Had the manager send a later that only listed my husbands name but the made it clear that this covered all the accounts we had with their company. Now, 20 days later finding out that two accounts were excluded, and they claim I still owe. My issue with this matter is I called them to resolve this matter and made it clear that I wanted all accounts removed from my credit report. This was very deceptive now they want to be condescending and rude. I then spoke with a supervisor who was extremely rude, and she explained that the bill is for my son. XXXX XXXX was her name.
Consumer complaint received 2021-05-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I review a current copy of my credit report and show dept of XXXX showing late payment to student loans. Currently, I have never been late and I sent mulitple dispute inquiries with no successful updates and have past the require timeframe per FCRA. Please delete account of my credit report listed below. 

DPT ED/XXXX Account number : XXXX XXXX DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number:XXXX DPT EDXXXX Account number:XXXX  DPT ED/XXXX Account number : XXXX DPT ED/XXXX Account number : XXXX
Consumer complaint received 2021-05-11
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc. (CA)

For the past several months I have been trying to get these accounts resolved. Credit Management Control request that I send them proof of address in which I have. I have yet to get a written response from them and it has been more than 30 days. This account is fraud and needs to be deleted asap. I have attached an ID Theft affidavit, my ID and proof of address ( XXXX XXXX XXXX statements from XXXX ; which was requested by Credit Management control ).
Consumer complaint received 2021-05-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MECHANICS BANK (CA)

Date & Time : XX/XX/2021 at XXXX Location : Mechanics Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX I arrived at XXXX PM and I was allowed into the building only to be told " we closed the vault and we can't print you any checks ''. 

I was supposed to buy a car that day and as a result of the two workers there not allowing me access to my funds I was forced to rent a room in a seedy hotel which cost me {$70.00} to wait until the morning. I am asking for compensation for my room and board due to mechanics banks neglectful business practices as well as travel expenses and any further monetary damages resulting from the employees unwillingness to print me a check. I have a rental to bring back that is located in XXXX XXXX, with this delay I can infer that the return of the rental car will be delayed and I will be charged for any extra time.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently disputed multiple inaccurate and unknown accounts on my credit report which never got deleted after this company 's questionable investigation. I am providing clear evidence these accounts are inaccurate and must be removed according to the FCRA. I am very frustrated these accounts didn't get deleted the first time so I am attaching clear proof of the inconsistent information. I am filing a complaint with you guys to make sure that they follow the law and remove these inaccurate accounts. I will not accept a computer generated response. I demand these accounts be removed or I will file for litigation. This is hurting my name. 

The following accounts are : XXXX. XXXX Acct # : XXXX This account is not mine and it clearly says purchased by another lender which is illegal. Remove ASAP XXXX. XXXX XXXX XXXX Acct # : XXXX This account is not mine. It says that it meets FCRA requirements but I am attaching proof that it clearly doesn't. It is not reporting 100 % accurate information. 

XXXX. XXXX XXXX Acct # : XXXX This account is not meeting FCRA requirements and must be removed according to law. 

XXXX. XXXX XXXX Acct # : XXXX Please remove this inaccurate account from my report.
Consumer complaint received 2021-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has caused me financial damage by removing my creditcard information which shows my nearly 4 years of credit with my credit union. I have tried twice to have them put the information back on but they have refused. I have had three denials of credit because of this and had to go to higher interest lenders because of this one of which was extremely hard to pay off when I refinanced my home because they couldn't seem to understand what a payoff letter was, how to write one, or that they actually had to honor it. Transunion is unfortunately considered so reputable that most companies who use it are not thorough enough to double check with other credit reporting agencies to find out if they are getting the correct information. Not only has Transunion made things harder but they have cost me money as well and should be required to compensation people they have defamed.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Card Receivables Fund Incorporated (FL)

As of XX/XX/2021 Unifund has kept a garnishment on record of a past employer XXXX XXXX I haven't been with for a 15 hr a week pt job in several years due to my physical limitations. From my past complaint they closed the XXXX XXXX garnishment but haven't closed the XXXX XXXX nor explained why they contacted an employer I haven't worked at in several years. I am XXXX only and receive food stamps based on the XXXX income.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (PA)

On XX/XX/2021 I moved over {$100.00} ( of XXXX coin ) into a Binance.US account. I was able to make an initial trade from their native token " XXXX '' to three other tokens. After doing so, my account became locked pending verification. I over the course of a few days I submitted all the necessary legal information for their verification process. It has never unlocked the money I sent in. It says I can only withdrawal from that account, but when I attempt to withdraw it says I do not meet the minimum requirement to transfer. I can not trade it back to their native XXXX coin and withdrawal that. My finances are locked and the company has never responded to any of my support requests. 

I've since come to find forums full of USA users which thousands, possibly millions of dollars locked up by Binance.us and no way of getting it out. 

This is fraud. They should at least cut me a check and let me walk away, but instead these tokens are locked up and decreasing in value while their company makes a hefty profit.