davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (DC)

I have had a Citibank personal checking account for more than 20 years. On XX/XX/XXXX, Citibank representative XXXX XXXX called me to me inform me that accept direct deposit payments as a sole proprietor is a violation of " banking regulations. '' ( I am an author and had begun accepting direct payments from my literary agency only during the pandemic. ) She informed me that this was only allowed in business accounts by banking regulations.

I left that conversation concerned that I had been violating some regulation for years, and not been informed about it, and hastily got ready to open a business account with Citibank, which, I quickly learned, would charge me a fee. I paused, and contacted my accountant, and then my literary agent, and then two other banks I work with. All informed me that there is no such " banking regulation '' that stipulates that a sole proprietor can not accept direct payments in a personal checking account. 

I contacted Ms. XXXX and informed her of this fact, and asked her to specify the regulation if she thinks I was mistaken. She could not specify the regulation ; she said that she was new to Citibank after 20 years at XXXX and that this was just how the banking regulations had always been. 

I left that conversation, looked into the matter further, and contacted her again, positive that there is no such regulation. In our third conversation, Ms. XXXX said that she had made a mistake in how she put it, but that I simply couldn't do this with a personal checking account. Again I asked her to point to the regulation. She said she'd have to check with the Citi legal team. The following day, she sent me a long document, dated XX/XX/2020, with a half sentence that says personal account holders agree not to use their accounts for " business purposes. '' Again, I've had the account for 20+ years, have talked to representatives at branches about my work numerous times, and never told that accepting payment for contract work or wages was a disallowed " business purpose. '' As we were both in one-party consent states, I recorded my final conversation with Ms. XXXX. She was never able to define " business purposes '' for me. Clearly, she wanted me to open a fee-based account, and continually said that she's just trying to " help me '' comply with " banking regulations. '' No customer should be made by her to feel that they are violating banking regulations. If it's a Citibank policy, I suppose they can make whatever policy they want. But this was framed to me as if I was doing something illegal. 

I'm sure plenty of other customers are bullied into opening fee-based accounts in this manner, and I doubt it is legal for a representative to suggest to a customer that they are violating a law, when no such law exists. I plan to move my business from Citibank anyway, but I don't want future customers to be intimidated in this same manner into paying fees for accounts.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization. I the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. 

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 2023-01-06
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. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (VA)

I am filing a complaint against XXXX for reporting incorrect information on my credit report. I have filed numerous disputes and it is still not resolved. Tidewater Motor Credit should have been removed off of my credit in XX/XX/XXXX. I have contacted Tidewater Motor Credit directly numerous times and they have confirmed that the first late payment on this account was XX/XX/XXXX and the first missed payment was XXXX. All other credit reporting agencies have the correct information and have removed this from my credit report except for XXXX XXXX has been very rude and will not even try to help me resolve this issue. The last time I called Tidewater I spoke with XXXX on XX/XX/XXXX, XX/XX/XXXX and she confirmed this information is correct and that XXXX was reporting incorrect information and advised me to contact them. I have all documentation and records of who I spoke with and when from both XXXX and Tidewater Motor Credit. XXXX did remove this from my credit on XX/XX/XXXX and then added it back. So they had the correct information at first to remove it and now they are reporting incorrect information.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was opened in 2013. It was paid and closed. It recently showed up on my credit reports. After all these years as closed and a bad debt charge off. Not true. Plus its been over 7 years and needs to be removed completely from my reports. Ive asked for investigations and XXXX  removed it from my report. The others did not. Please review and remove this completely from all credit bureaus.

Thank You
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Child support reported me to be in collections for a case that child support was paid directly from my work checks during the same months it was being reported as a collection improperly. 
This has cause me to lose are large portion of available credit and damaged my perfect credit history. I have been trying for 4 years to get this resolved without succaess.
Consumer complaint received 2017-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Forster & Garbus LLP (NY)

On  XXXX / XXXX /  XXXX   my employer received a judgement to garnish my wages. The garnishment started about a month ago. I called my HR person who informed me that the creditor was  XXXX   XXXX , whom I have not had any bad debt with for ove r 10years.  The entity that bought this debt  is Foster and Garbus ,  XXXX   XXXX   XXXX   XXXX  NY  XXXX . Their phone number is  XXXX  when I called I was transferred to Ext.  XXXX . The statute of limitations on unpaid credit card debt in NY is 6 years, therefore this is illegal an illegal debt for them to collect on. Furthermore I was never issued a summons to appear in court for this so called debt. I have emailed and cal led Foster and Garbus  and no one has gotten back to me with the information I requested ie date of the debt, the name of the court the judgement was issued in etc. I did a search on  Foster and Garbus  and found many such complaints dating back 5 years. Why is this illegal activity allowed to continue? You are my first step in trying to get some answers.     Thank you for your time
Consumer complaint received 2020-09-30
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. (CA)

I had a credit card through XXXX XXXX with a {$92.00} balance that was paid in XX/XX/XXXX through an escrow payment when we were closing on the purchase of our new home. In order to avoid late fees, I also paid the balance through the XXXX app understanding there would be a {$92.00} credit that would be reimbursed to me because the account was closed. I had not used the card in years and the {$92.00} charge was the yearly renewal fee for the card. My statements showed a {$92.00} credit in XX/XX/XXXX and XX/XX/XXXX. I received a {$92.00} check from them in XXXX and understood that completely closed my account because the balance was now at {$0.00}. 

In XX/XX/XXXX I received notice that I had a derogatory mark on my credit from and saw that it was from XXXX. After calling them, they stated that there was a {$92.00} balance from XXXX and could not answer any questions as to how that was possible. To avoid further damage to my credit, I pad the erroneous late fees totaling {$160.00}. 

Attached are the pictures of the statements that I received - there is a statement in XXXX and XXXX showing a {$92.00} credit to my account and {$0.00} available credit because the account was closed. In XXXX the statement showed a {$92.00} balance. I never used the card and it is impossible to go from a {$92.00} credit to a {$92.00} balance with {$0.00} available credit. 

I made a request to XXXX in XX/XX/XXXX that the derogatory marks be removed from my credit given that the charges they were charging me a late fee for were not ever actually charges made and that my account should have had a XX/XX/XXXX balance after the received 2 payments for {$92.00} and refunded me one of them. They rejected my request with no supporting information. 

I also made the request to XX/XX/XXXX and Equifax and they also denied my request. 

I do not even want the money back that I paid to XXXX for the erroneous late fees, I simply want my near perfect credit restored.
Consumer complaint received 2017-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (FL)

I applied for a loan modification in  XXXX     2016  and after months of resending the same paperwork and jumping through hoops, I received approval and a partial payment plan in  XXXX   2016  in which I needed to being making payments for 3 months before I could be assessed for a permanent modification. I made  my three payments, last one i n  XXXX   2016  and they still have not completed my final loan modification. I have since been denied a job because of this account on my credit, due to their delay and just keep getting the run around when I call for an update. I need this modification to be complete and my credit report updated immediately.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (LA)

On XX/XX/2019, the XXXX Florida XXXX breached its agreement with me by failing to provide an overnight stay. I promptly notified American Express that the hotel charge was made in error. Yet, American Express refused to remove this charge from its invoices.
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Capital Enterprises, Inc. (CA)

Received notice of debt with no explanation. Sent letter via certified mail within 30 days requesting validation. The response we received was a copy of a medical form called " Authorization for Use, Disclosure or Publication of Photographs '' with no financial information. Sent another letter asking for more explanation but never received a response. ACE has since reported a collections to credit agency with no explanation of the amounts, etc.
Consumer complaint received 2020-03-20
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. (MS)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (NY)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX CARD XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMERCE BANK (MO)

I WANT THE CONSUMER PROTECTION BUREAU TO INVESTIGATE THE THEFT OF {$250000.00}! 
XXXX  XXXX  XXXX  SUBMITTED A FRAUDULENT PAYOFF STATEMENT FOR A LOAN I HAD ALREADY PAID. 

I paid off an {$82000.00} line of credit in XXXX. I paid off {$240000.00} balance in XXXX I paid back the escrow I already paid AND paid beck and apparently paid again. 

I paid the taxes and insurance. I paid the credit cards in the second mortgage when I paid off the second mortgage I paid off a XXXX balance included in my first mortgage. I paid it off with the second mortgage. I paid off the balance when I paid off the second. 
Modification included all of it. 
{$240000.00} - XXXX XXXX - XXXX {$130000.00} balance in XXXX XXXX XXXX XXXX paid - XXXX balance XXXX - {$49000.00} 2nd principal balance at 0 % XXXX payments + XXXX already paid XXXX paid XXXX {$500000.00} I just Received A phone call from Commerve bank. 
I want a complete investigation by the comptroller of the currency. And the {$250000.00} stolen from me yesterday I owe commerce nothing. 
This is on XXXX XXXX XXXX
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2020 NF reported to XXXX I was 30 days late for {$12.00} on my Navy Federal Visa card. Up to this date, I was unaware I had a balance or if the account was still even open. The last time I spoke to NF regarding this account was on XX/XX/2020 when their security department informed me that they were closing my visa account because I had not applied for the car and blocking my online access to all of my accounts. I had not receive any invoices on this account nor able to log in online to get my statement. I didn't think I was late because as of XXXX XXXX., NF had reported to XXXX that my account was current. NF is reporting different and conflicting reports to the credit bureau regarding this account. Per NF, the visa account was closed because I had not applied for the card. So why am I being held responsible for an account I didn't apply for? And how am I supposed to know I owed a balance on an account deemed not applied by myself I don't receive statements or ability to get statements online? 

Why am i being charged {$20.00} per month? What is that {$20.00} charge? It's not a late fee nor interest. My balance has climbed from {$12.00} to {$92.00} in 5 months
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (NE)

On XXXX at approximately XXXX XXXX, I called XXXX and spoke to the representative. I requested information to be mailed to me so I could verify and he stated " He will not mail it! '' I asked for a supervisor and he then stated the supervisor will not mail anything either. They are very unprofessional! I was disappointed and hung up. I tried to get info on the collection account. I prefer they remove them immediately from my credit reports and cease all contact with me according to ( 15 USC 1692c ( c ). 

XXXX XXXXCollection
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent a payment the week before XXXX XXXX. Capital One did not credit the payment until after the holiday that XXXX  and I incurred late fees and interest was charged shortly thereafter. Based on incorrectly applied late fees compounded into my balance. When I called Capital One to suggest this had to have been an error because my payment processed by the early morning of the XXXX after XXXX 's XXXX. Well before any mail would have come to the Capital One payment address. It would be virtually impossible for them to cash a check that's not physical there. I explained several to the agent I sas speaking with. I was callously condescended and essentially called a liar on the recorded line. When the agent got frustrated that my story was true he suggested we do a three way call with my bank. I gave him the number and he got them on the line. He introduced himself and commandeered the situation like a police officer interrogating a suspect. The bank representative corroborated my story by answering his specific questions and he eventually relented and agreed to rescind the late fees. He also told me they wouldn't report my payment as being late. Later that week I purchased a vehicle with loan money from a XXXX program for my small business, and primary means of income. I was purchasing the insurance as was required and received a letter from the insurance company today letting me know my payment was rejected by my credit card company. 

I thought that had to be a mistake because I cleared up the situation and then for good measure sent just shy of {$5.00} to cover any interest that's still left compounded from erroneously applied late charge that would render my XXXX charge late. I checked my account and sure enough, in an expectedly retaliatory fashion, Capital One had continued to block the card and report the payment as late to credit bureaus even after they admitted fault and rescinded the late fee. I have been driving uninsured for almost a week. When I called Capital One to rectify the situation, the agent just kept repeating what my outstanding balance was completely disregarding my explanation and the observable clues that Capital One is in the wrong. I work way too hard to be the subject of deliberate malice towards a client actually keeping up with payments.
Consumer complaint received 2020-08-12
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: Credence Resource Management, LLC (NY)

On XX/XX/2020 I pulled my credit report and noticed that a company by the name of Credence Resource Manage is attempting to collect a debt for XXXX XXXX XXXX for {$300.00}. I have reached out but no information was given to me. I have never had services with these companies. I suspect fraud.
Consumer complaint received 2023-10-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Glasser and Glasser, PLC (VA)

XXXX XXXX XXXX XXXX XXXX purchases old charge offs from financial services and then sues the individual for garnishment for the entire amount. In this complaint, I've attempted to negotiate. Instead they withdrew money from a joint savings account for the full amount. 

The funds were originally from the XXXX XXXX XXXX as my wife is a XXXX XXXX The funds were to be used for us to catch up with our mortgage as I am trying to find work. I've attended every court appearance for garnishing wages. I did not know that they went ahead through the court system to extract funds from our joint savings account.and was surprised by our bank that this transaction occurred. 

I was unaware that they use the XXXX of Virginia court system to garnish old debt as this debt was purchased from another debt collector. As this is a charge off from XXXX XXXX XXXXXXXX and off their books, I do question why they tend to use the name of the former institution as plaintiff instead of using the firm 's name as they acquired this debt. It seems disingenuous.