davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/21 I spoke with a customer service ( XXXX, may be incorrect spelling ) to stop a payment on a check I wrote to XXXX XXXX on XX/XX/21, as I was unaware of the transaction fee. The representative said I was not going to be charged as the check has not cleared. On XX/XX/21 I noticed I was charged {$6200.00} along with a transaction fee of {$120.00}. I had a credit balance before this charge of {$280.00} so my current balance now shows {$6000.00}. On XX/XX/21 I spoke with a representative named XXXX and he filed a report about this and gave me a case number of XXXX. He told me this should be resolved within 7 to 10 business days which would have been XX/XX/21. No resolution to date told pending status with each call. I filed a complaint with the company on XX/XX/21 case number XXXX with no resolution to date. The company send me a bill due for XX/XX/XXXX with a minimum payment of {$60.00}. I called again today XX/XX/21 and was told now it can take 1 to 2 billing cycles to clear up. I am upset that I have to make any payment on this to avoid late fees and interest when this company failed to put a stop payment on the check. If anything they owe me money for my initial credit balance. Please help me resolve this matter.
Consumer complaint received 2020-03-30
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: EQUIFAX, INC. (MO)

Please remove the following account, im not responsible for this account nor do i know why or who added me to this account. I'm asking for the credit reporting agencies to remove this account. 

1. XXXX Card Services
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (CA)

On a letter dated XX/XX/2021, Ally bank stated it will close all of my checking and savings accounts without a reason listed. I have been a long time customer and aside from my recent change of address, there has been no changes to the usage of my accounts.
Consumer complaint received 2020-04-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2020-03-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation (NJ)

This account was a joint loan with my daughter, who told me years ago that this account was legally paid for less than full balance. in fact, she assures me the account was first reported as a {$0.00} balance, then the following month, completely deleted from her reports! Yet they still claim to be trying to collect a debt from me! They've called my office despite me begging them not to, and when I disputed the account to the address listed on my XXXX   report, the mail was returned to me. They have caused me an amazing amount of emotional hardship, I've nearly lost my job for taking " personal '' phone calls that were in fact Deville Asset, and now they keep bothering me DURING A NATIONAL PANDEMIC!
Consumer complaint received 2020-03-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX I went to make a withdrawal from an enclosed Bank of America ATM. I was scammed by a thief gained access to the enclosed ATM. 
On XX/XX/2020 the day it happened I contacted Bank of America fraud department. they refused to look at their surveillance cameras but instead they reported me to XXXX XXXX XXXX  and XXXX XXXX claiming that I attempted to defraud them even though the amount was taken out of my account and the bank was not affected. 
Along with this complaint I have attached my initial letter to Bank of America in XXXX Florida telling them what happened and requesting an investigation into the cameras as well as other documents. I have also included their response letter to be from XXXX Florida. I have also included a letter from Bank of America to me claiming that they reported me to XXXX XXXX and XXXX XXXX XXXX and that they provided them with all of the necessary documents and evidence ( which is false ).
Consumer complaint received 2021-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (FL)

I received a letter from this collection company Contract Callers, who illegally accessed my credit report prior to this letter. The amount in question is due to effects of the pandemic and the company they represent kept my security deposit. Why isnt this amount from the original company paid off? 

I have never heard from this collection company and the wording in their letter suggests my credit will be affected if I dont pay. Im still trying to recover from the pandemic and would appreciate if they do not access my credit without my consent or send threatening mail to my family members home address.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KY)

My Best Buy store card ( owned by Citibank ) received my payment of {$100.00} on XX/XX/XXXX. I got email confirm of payment, and the account showed a total balance left on the card of {$320.00}. The email confirm from Best Buy card was received by me on XX/XX/XXXX and showed the {$320.00} balance left on card. 

My account statement ( which appears to have been mailed XX/XX/XXXX ) arrived at my address XX/XX/XXXX and showed an account balance on the card of {$530.00}, which included interest charged on the account of {$200.00}. I can not believe the interest charge and I have called both Best Buy and Citibank, but can not get through either on the phone or on either website. This is outrageous! 

I was laid of three weeks ago due to CV-19 and do not have any income ( I am currently awaiting unemployment as my previous employer is supposed to call me back when this pandemic ends ). I still can not believe Best Buy and Citibank did this to me. I don't understand why this was done to me and can not get any answers. 

I am refusing to pay the outrageous interest, and don't understand how I can be charged 39 % interest on this card. My understanding is that interest, fees, and penalties are waived during this pandemic. 

Can you help me? I need to know how this happened to me. Thanks for any help you can offer.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get XXXX to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the UoP ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XXXX, XXXX I missed the first payment of my mortgage with XXXX XXXX XXXX. The total months that have not been paid is 17. That reflects the time period XXXX, XXXX thru XXXX, XXXX I have requested from the bank in writing and in emails several times since XX/XX/XXXX to correct the information with the credit bureaus. The information has been consistently incorrect for more than a year. I have contacted the credit bureaus and they have been unable to correct the reporting due to the banks continuous refuting and admittance that my claims of the inaccuracy reporting is correct and thus that the bank has been reporting incorrect information. 

My Taxes are not escrowed into the mortgage payment. The payments for the property taxes are paid directly by me. The tax payments have been paid directly by me since XXXX. The municipalities were provided information regarding my limited income, financial hardship, and XXXX when I was first delinquent with a property tax payments and the municipalities and I were in discussion of a payback plan from me directly to them. I was also just approved for eligibility for significant reduction for my property taxes for the tax roll period XXXX. 

The Bank has refused to respond to my numerous attempts to speak with them. The Bank on the on-set of the first delinquent payment while knowing of my XXXX status never discussed or mentioned forbearance options. 

My mortgage is owned by XXXX XXXX. I asked the bank about forbearance options after I spoke to XXXX XXXX and the bank continued to ignore me. My XXXX attorney suggested that I ask the bank about forbearance options and thus I did once again in XX/XX/XXXX and the bank representatives did not respond and continued to ignore my request. 

I was offered a modification program that I appealed in XX/XX/XXXX due to the inaccuracy of the figures and the escrow of taxes and the incorrect amount of the taxes owed. The bank confirmed my receipt of the appeal, yet ignored the right I had to appeal the plan and immediately pursued foreclosure actions against me. The auction on my home was set for XX/XX/XXXX. That was postponed due to the COVID-19 Virus crisis. 

I will file bankruptcy in the event that is my only option to save my home and to avoid a foreclosure on my home. In the meantime, There are numerous violations that the bank intentionally did that I will be reporting to your agency and other lending and government agencies in separate and complaints aside from this one.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

I am a consumer pursuant to 15 U.S.C 1681 ( c ), you are a debt collector pursuant to 15 U.S.C 1692a ( 6 ). To my understanding all credit reporting agencies get their information from the same company sourced as the original creditor. The inaccuracies being reported are detrimental to my credit capacity, credit worthiness, and credit standing. XXXX has investigated this dispute and removed the error immediately. If all credit reporting agencies retrieve their information from the same original creditor there should be no misinformation.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XXXX, XXXX I missed the first payment of my mortgage with XXXX XXXX XXXX. The total months that have not been paid is 17. That reflects the time period XXXX, XXXX thru XXXX, XXXX I have requested from the bank in writing and in emails several times since XX/XX/XXXX to correct the information with the credit bureaus. The information has been consistently incorrect for more than a year. I have contacted the credit bureaus and they have been unable to correct the reporting due to the banks continuous refuting and admittance that my claims of the inaccuracy reporting is correct and thus that the bank has been reporting incorrect information. 

My Taxes are not escrowed into the mortgage payment. The payments for the property taxes are paid directly by me. The tax payments have been paid directly by me since XXXX. The municipalities were provided information regarding my limited income, financial hardship, and XXXX when I was first delinquent with a property tax payments and the municipalities and I were in discussion of a payback plan from me directly to them. I was also just approved for eligibility for significant reduction for my property taxes for the tax roll period XXXX. 

The Bank has refused to respond to my numerous attempts to speak with them. The Bank on the on-set of the first delinquent payment while knowing of my XXXX status never discussed or mentioned forbearance options. 

My mortgage is owned by XXXX XXXX. I asked the bank about forbearance options after I spoke to XXXX XXXX and the bank continued to ignore me. My XXXX attorney suggested that I ask the bank about forbearance options and thus I did once again in XX/XX/XXXX and the bank representatives did not respond and continued to ignore my request. 

I was offered a modification program that I appealed in XX/XX/XXXX due to the inaccuracy of the figures and the escrow of taxes and the incorrect amount of the taxes owed. The bank confirmed my receipt of the appeal, yet ignored the right I had to appeal the plan and immediately pursued foreclosure actions against me. The auction on my home was set for XX/XX/XXXX. That was postponed due to the COVID-19 Virus crisis. 

I will file bankruptcy in the event that is my only option to save my home and to avoid a foreclosure on my home. In the meantime, There are numerous violations that the bank intentionally did that I will be reporting to your agency and other lending and government agencies in separate and complaints aside from this one.
Consumer complaint received 2020-04-10
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. (MS)

I've tried disputing my information with each bureau about the " 30 days late '' payment listed on my account. I've never been late on payment since I've had this account and don't plan on ever having one moving forward so I would greatly appreciate if they could correct this inaccuracy and report this data correctly because this issue is standing in the way of securing a home for my family.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX, XXXX I missed the first payment of my mortgage with XXXX XXXX XXXX. The total months that have not been paid is 17. That reflects the time period XXXX, XXXX thru XXXX, XXXX I have requested from the bank in writing and in emails several times since XX/XX/XXXX to correct the information with the credit bureaus. The information has been consistently incorrect for more than a year. I have contacted the credit bureaus and they have been unable to correct the reporting due to the banks continuous refuting and admittance that my claims of the inaccuracy reporting is correct and thus that the bank has been reporting incorrect information. 

My Taxes are not escrowed into the mortgage payment. The payments for the property taxes are paid directly by me. The tax payments have been paid directly by me since XXXX. The municipalities were provided information regarding my limited income, financial hardship, and XXXX when I was first delinquent with a property tax payments and the municipalities and I were in discussion of a payback plan from me directly to them. I was also just approved for eligibility for significant reduction for my property taxes for the tax roll period XXXX. 

The Bank has refused to respond to my numerous attempts to speak with them. The Bank on the on-set of the first delinquent payment while knowing of my XXXX status never discussed or mentioned forbearance options. 

My mortgage is owned by XXXX XXXX. I asked the bank about forbearance options after I spoke to XXXX XXXX and the bank continued to ignore me. My XXXX attorney suggested that I ask the bank about forbearance options and thus I did once again in XX/XX/XXXX and the bank representatives did not respond and continued to ignore my request. 

I was offered a modification program that I appealed in XX/XX/XXXX due to the inaccuracy of the figures and the escrow of taxes and the incorrect amount of the taxes owed. The bank confirmed my receipt of the appeal, yet ignored the right I had to appeal the plan and immediately pursued foreclosure actions against me. The auction on my home was set for XX/XX/XXXX. That was postponed due to the COVID-19 Virus crisis. 

I will file bankruptcy in the event that is my only option to save my home and to avoid a foreclosure on my home. In the meantime, There are numerous violations that the bank intentionally did that I will be reporting to your agency and other lending and government agencies in separate and complaints aside from this one.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Ive communicated with 3 individuals both in person and online. I have been charged three overdraft fees without them being able to say why. 
They claim its for a XXXX  transaction but XXXX does not allow any transactions to be made without a positive account. 

The {$79.00} withheld is a weeks worth of groceries XXXX third is consistently charging fees the hours prior direct deposits being made, making it seem as if they are right in taking these charges when in fact it is theft of consumers.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I need Equifax to release my credit report to a mortgage broker asap. However, they refuse to either temporarily thaw the freeze I placed on my CR 11 years ago or give me a 4 digit PIN to give my lender in a timely manner. They needed a week to mail me an access code for their online service which did not work. Now they need me to fax more identification again, even though it has been less than a year since I mailed them the same ID so they could mail me a free credit report ( which I received last XXXX ). They say they need 10 business days to process this redundant info, and then I will need to call them to see if they received it to request a thaw. I called them several times today to inquire about the process. The reps I spoke with couldn't help or cut me off, and I didn't get answers to questions like how I could do this online ( for speed and security purposes ) and if there was a way to know if and when the freeze had been lifted. The last time I called I waited for 2 hours and 20 minutes before I had to hang up. That was after being on the phone with them first for 45 minutes, and then almost 2 hours when a rep said he would put me on hold to " check if he could find the ID 's I sent to them last year '' but after 15 minutes on hold the line went dead and no one called me back! 
The only reason they could give me for why I had to keep reconfirming everything on paper ( by snail mail ) despite having the same name, address, DL, SS #, verification codes, etc for more than a decade was that they didn't keep my records! This is unacceptable. It shouldn't take weeks and weeks to get my credit report to a specific lender during a financial crisis. Nor should it take multiple phone calls and hours and hours on hold trying to get answers.
Consumer complaint received 2021-10-18
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. (KY)

My consumer rights are being violated. I have fraudulent accounts appearing on my credit file that need to be removed immediately. Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, Transunion and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Notice, it is a fact, affiant is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ) .Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report for XXXX, account number XXXX and JPMCB account number XXXX is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition { Company Name } has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) and information associated with XXXX, account number XXXX and JPMCB account number XXXX must be removed.My consumer rights have been violated according to the FCRA and if these accounts are not removed immediately I will seek remedies for violations of my consumer rights. 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}