davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OH)

Please send me an up to date credit report to my email : XXXX and or by mail : XXXX XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2023-04-16
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: Eastern Account Systems of Connecticut, Inc. (AL)

My problem is with XXXX XXXXXXXX. I do not owe them any money. But after I closed my account, they " claimed '' I still had some of their cable boxes. During the pandemic, they closed all of their offices so you can't deal with anyone in person. You have to return everything in a drop box or mail it to them. After I returned everything, I starting getting these bills saying I owed them for their returned equipment. I call numerous time and told them I had nothing that belong to them. This went back and forth for a couple of months and I assumed everything had been worked out. Then one day out of the blue I was notified by credit monitoring service that I had an account that was now in collection. I checked my credit report and discovered that some company called Eastern Account System had placed this collection on my report. I had NEVER spoken to anyone at this company. My excellent credit score dropped by XXXX points. After disputing the charge, one of the three credit bureaus ( XXXX ) removed it. The other two did not. 

Then I discovered something else last week. I discovered that one of the local Homeowner Associations has now issued a warning to its members. Everyone in theier association that had dropped XXXX was being hit with this same bogus claim of not turning in their cable boxes and being threatened with collection. This is quite an extortion scheme this company has going. Either pay up or we will turn you over to collections. I did some checking with others and discovered the same thing. This needs to stop and I want my excellent credit restored. This company should also be hit with a class action lawsuit for their business practices.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (VA)

I opened a Barclay Wyndham Rewards Earner Plus Card in early May with a welcome bonus of XXXX Wyndham Rewards Points after spending {$1000.00}. As of XX/XX/2023, I had spent {$1600.00} which is well above the {$1000.00} required to earn the bonus. Sadly, only the XXXX reward points earned through spending were transferred to my Wyndham account, not the XXXX bonus points. 

I contacted Barclays customer support via phone about the issue shortly after the statement was generated and they told me to wait upto five weeks citing those terms but they did not read the portion above that where it said that the bonus would be reflected in my Barclays account on the billing statement made after I qualified to earn the bonus.

" The bonus points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus points to be deposited into your Wyndham Rewards account. '' from the FAQ on the bonus and reward earn. 

I downloaded the PDF statement for XX/XX/XXXX, after I had made the charges to qualify for the bonus and only see the XXXX points, excluding the extra XXXX I am entitled to. PDF is attached, along with FAQ page. 

Barclay is not honoring the terms of the promotion and awarding the points as needed. Customer Service either does not understand the issue or are unwilling/unable to correct it.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, 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. (CA)

Experian is reporting inquirys I did not authorize I need them removed immediately from my report also reporting a ADDRESS that's not mine delete immediately from my report XXXX XXXX XXXX is not my address remove immediately And the 2 inquirys
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

We need help. 

Husband and I have sent now 4 messages by email and through the portal on the Mr. Cooper website. Our loan was originally serviced by XXXX never had any issues, but it was sold by XXXX to Mr. Cooper and we have had nothing but problems. They continually are impossible to get a hold of and do not respond to any of our messages asking for specific details about our escrow account. We need you help to have them answer our specific questions as the math they are provided does not add up. Further we have been charged late fees by XXXX XXXX XXXX tax due to their incompetence amounting to over {$250.00} and now they are saying we need to pay an additional almost {$410.00} because of their miscalculations to our escrow account. We can not afford this. It is absolutely awful what they are doing. And the math does not add up. We have asked many time for them to contact us by email but we are continually ignored. We are very concerned as this lender as many lawsuits related to mishandling of mortgages and particularly escrow accounts in the past. 

Our tax amounts have not changed. On XX/XX/XXXX we have a {$94.00} surplus per letter they sent. Now just a few months later ( again no changes have been made by county tax office ), they are saying we have a deficit of {$5000.00} on XX/XX/XXXX. The numbers make no sense. 

We have asked repeatedly by phone, email and the customer service portal to speak with someone in leadership to have our account properly reviewed and our questions answered directly by phone or email. But for months we have been ignored. 

I am attaching a copy of these escrow statements as well as a copy of the original email I sent that still hasn't been responded to since XX/XX/XXXX to customer service and a XXXX. 

Look forward to hear back very soon. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Metallicus, Inc. (CA)

I am trying withdraw my XXXX XXXX XXXX crypto money and the company will not prcoess the transaction. They claim I have hit my daily limit which I have not. Their other wallet named XXXX has no limits and conveniently for them it also will not process a withdrawal unless it's a transfer to metal pay their other platform. The total amount id over XXXX. I have tried many withdrawals in small amounts.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (NC)

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. 

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 : 8556 has violated my rights.

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 2023-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

My account was charged fraudulently for two identical transactions on XX/XX/2023. I submitted a claim and both charges were temporarily credited to my account. A month later, the bank denied the claim for one of the charges and {$500.00} was taken from my account. I do not recognize the vendor and have never made a transaction with them before. The bank refuses to return the {$500.00} after I have called and complained several times. This account is linked to my mortgage and now is at {$0.00}. Please help me recover the funds.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-05-30
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: Sequium Asset Solutions, LLC (FL)

I was alerted about a collection account being added to my credit reports ( XXXX, XXXX XXXX XXXX ) After reviewing the information it stated it was From Sequium Asset Solutions- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX for a XXXX account from XX/XX/XXXX in the amount of {$310.00}. I have never had a XXXX account. After speaking with XXXX today I have learned that a address of XXXX XXXX XXXX, XXXX XXXX, Tx XXXX was added as a address for me through the credit bureau. I have never lived in Texas or have even been in Texas. At this time I am disputing the above account and address being added. 

XXXX I was told by XXXX to include this information also when submitting the above information. In XXXX of XXXX a application for a credit card for XXXX  XXXX XXXX was submitted, which I never applied for and the inquiry for this account was removed. ( # XXXX Research request number ) I just noticed now after reviewing my account that there was to additional Inquiries on XX/XX/XXXX and XX/XX/XXXX which I am disputing also through XXXX. 

Thank you for your time in the above matters.
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation (WA)

I submitted a complaint about their practices ( Complaint Number XXXX ) of taking 3 payments at once. I took back 2 and they kept 1. 
They responded by blocking payment from my account and saying " the payment failed '' ... even though my bank shows it did not. 
It seems to be a purely punitive move in response to 1st complaint I filed. Now they say I have not paid and I am late which will affect my credit rating. I will turn this over to my attorney after I file this. 
I have no patience for deceptive banks
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MO)

I SUBMITTED A HANDWRITTEN NOTICE US BANK XXXX BRANCH DEMANDING TO CLOSE MY ACCOUNT. MONTHS LATER I RECEIVE DISCRIMINATORY TELEPHONE TACTICS OF DEBT COLLECTION EFFORTS IN EXCESS OF {$230.00} BY A THIRD PARTY DEBT COLLECTOR. MY LETTER STATED THAT THE ACCOUNT WAS TO BE CLOSED AND REMIT THE CLOSING ACCOUNT BALANCE DUE STATEMENT TO MY PO BOX IN XXXX OF THIS YEAR. I SINCE HAVE BEEN HARASSED AND THREATENED BY THEIR DEBT COLLECTORS DECEITFUL ACTIONS. THIS ACCOUNT IS PAID IN FULL. REFERENCE NUMBER XXXX. CONFIRMATION NUMBER XXXX.
Consumer complaint received 2024-03-29
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. (GA)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-05-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (AZ)

I gave XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020. 2 days later while reading through my discharge paperwork and online patient portal, I discovered that there were several big discrepancies. The hospital had written down that I gave XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The hospital also listed that I had a history of XXXX during my XXXX when in fact I have never been diagnosed or treated for XXXX. I brought this to the attention of the hospital who apologized and had me sign documents to have my medical records redacted and corrected. Prior to XXXX  I was quoted {$750.00} for my deductible after insurance. I was instead sent a bill for over {$5000.00}. I called the billing department and asked for an itemized statement to confirm that I wasn't charged for anything related to treating a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and if I was charged for anything related to XXXX. I also asked why I was misquoted. The billing lady said she would look into but instead never got back to me and instead sent my bill to collections. Now this debt collection company reported this on my credit report 5 months ago without any written documentation ever sent to me beforehand.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (WI)

I purchased a XXXX home in XX/XX/2013. The original purchase price was {$170000.00} and I put 15 % down. I was at 85 % LTV with a loan amount of {$150000.00}. That means I needed PMI. According to my amortization schedule, my loan was scheduled to reach 78 % LTV in XX/XX/XXXX of this year. The PMI should have been automatically removed. I messaged SLS about this via their website and never received a response. I called a month later and they said I needed to submit a written request. I submitted my request along with XXXX guidelines for automatic PMI removal. They sent me back a letter saying that I needed to authorize and pay for an appraisal and then they would make a determination. They will not let me speak to anyone making a decision. They just keep telling me that I need an appraisal. No one rebuts what I am saying or shows me where I am wrong. I did confirm with the lender that my loan was scheduled to reach 78 % of the original balance in XX/XX/XXXX of this year. HELP!
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

On XX/XX/23, a balance transfer was made from XXXX XXXX to Citibank for {$3500.00} with a balance transfer fee of {$170.00}, posted on XX/XX/23. That balance transfer never went to my XXXX XXXX account. On XX/XX/23, I did a chat with Citibank online explaining the transfer balance never went through to my account, and I provided the last 2 digits of the card as requested, I was told it does not match. Again, I explained it went to the wrong account. Citibank Rep. tried to cancel but the check cleared and couldn't be cancelled I then informed Citibank Rep I'm not paying for a transaction that I never received Citibank stated they understood. I had an online chat on XX/XX/23 & XX/XX/23 regarding the same issue, still not resolved. Citibank open up a dispute claim dated for XX/XX/23, XX/XX/23 and recent XX/XX/23, I received a letter from Citibank telling me proof of electronic payment has been sent to XXXX XXXX products so they can credit the balance to the correct account as of XX/XX/23 this has not taken place. I received the separate cover notice via email on XX/XX/23 with the transaction Id # showing proof of payment sent on XX/XX/23 but as per XXXX XXXX and my bill statement this transaction did not post to my account. I called Citibank on XX/XX/23, XXXX, XX/XX/23 and XX/XX/23 given them the same info they requested nothing was corrected. I even tried on XX/XX/23 with online chat but since I closed my account because of this Rep was unable to provide information.
Consumer complaint received 2023-05-30
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: Shellpoint Partners, LLC (IL)

XXXX XXXX XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX  has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. Shellpoint is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 2023-05-30
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: CITIBANK, N.A. (CA)

My son, is a card holder on my credit card account with Citibank. While he was taking a trip in XXXX, he used the credit card for all of his purchases. 

There are 3 charges on the card that were not authorized and are fraudulent. They are additional charges from places that he did have valid charges with. 

Upon receiving the statement and going line by line with XXXX, we quickly realized there were 3 so called purchases that he never made. I filed a dispute online on the the Citibank website. 

They came back quickly and said they were not removing the charges, that since XXXX had the card in his possession, these were valid charges. 

I escalated this on XX/XX/XXXX with XXXX and they reopened the file. Today ( XX/XX/XXXX ) I received an email that they have investigated and that these are legitimate charges because they were made with the chip in the card while XXXX was still in that country. 

Again, there is no doubt in my mind that when the card was used in a store, they used the same card/chip to create fraudulent charges. I'm told this is not an unusual event, especially to happen to an American tourist who clearly does not speak the language. 

It doesn't happen often but I have had had fraud happen on my credit cards from time to time, even when the card is in my possession. I have never had such a difficult time as I am having with Citibank to do the right thing. 

There are 3 charges that are fraudulent on my XX/XX/XXXX statement XX/XX/XXXX XXXX XXXX for {$3100.00} ( there were 2 other charges at this establishment that are legitamate. 
XX/XX/XXXX XXXXXXXX XXXX for {$2300.00} XX/XX/XXXX XXXX XXXX for {$2100.00}