davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

On XX/XX/2019 I received my XXXX XXXX County, Kentucky property tax notice for my home. The gross amount of my taxes was {$2000.00}, but I called Mr. Cooper ( my mortgage company ) to see if they would pay it early so I could get a small discount and pay only {$1900.00}. The person who helped me on the phone said that she would make a note for early payment. 

On XX/XX/2019 I received a notice from Mr. Cooper stating that my taxes were paid. However, the information in the notice did not match my property. The notice said that taxes were paid for the wrong property ID in the amount of {$2600.00}. Once I noticed that the property ID number did not match my own, I contacted Mr. Cooper and let them know. When I looked up the property ID, I found that it was the property of my neighbor who is in a homeowner 's association with me. Meanwhile, my escrow funds had been used to pay my neighbor 's property taxes, leaving my escrow account with a negative balance. 

On XX/XX/XXXX I contacted Mr. Cooper and let them know about the error and requested that I speak to a manager. I was told that the issue would be researched and taken care of, but it still has not been resolved. My taxes still have not been paid, while my neighbor 's taxes have been paid twice. 

This is issue also occurred last year, and I ended up having to use my savings to pay my property taxes to avoid having a lien put on my home.
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

People 's United Bank, located on XXXX XXXX XXXX XXXX, CT XXXX has abruptly closed all my business checking accounts on Friday, XX/XX/2020, without giving any notice ahead of time. I noticed unauthorized debits on my accounts that day and immediately called and emailed the bank. They did not give any chance to discuss the matter and gave no time for me to transition. The funds that were in the account, around {$20000.00} was to be mailed to me but did not give time frame.
Consumer complaint received 2020-01-14
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: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Cash Central responded to my complaint that they have nothing to do with an old payday account. The as of XX/XX/XXXX, have reported the account on my credit report. The recently replied to my complaint stating they would send documents for identity theft. They have never sent me anything in writing. This is the third time they have reported a debt they had previously removed from my credit report. Per the fair debt collection act, they can not report a debt once it has been deleted. The original complaint was XX/XX/XXXX and that was the last time they deleted it from my credit report. Upon further investigation, i found an old voicemail threatening to come to my work and be arrested. I kept the voicemail as I knew it was violating so many laws. This company is causing a lot of distress for something that was never mine to begin with. I want to make sure they stop this harassment. Please ensure they delete any information off my credit report permanently. If it continues, i will have no choice to to open a full investigation with the attorney general into this company. I do not owe them any thing and will never pay this debt that is not mine.
Consumer complaint received 2019-12-08
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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (NY)

MUFG Union Bank, N.A. sends promotional emails to existing clients to induce them into spending more on their existing Union Bank accounts, with offers, among many : " Earn up to a {$50.00} statement credit on your everyday purchases. Here 's how : Click the Activate button for this special offer by XX/XX/XXXX Then simply use your card to make purchases during the promotional period from XX/XX/XXXX through XX/XX/2019. 

You will be rewarded with either a {$25.00} statement credit when you make at least {$500.00} in Eligible Purchases, or a {$50.00} statement credit when you make {$1000.00} or more in Eligible Purchases during the promotional period. '' Once activated and met spending requirements bonus never get posted to the account Customer service representative on the phone does not see the promotion on the account. However, the email has been sent and enrollment confirmed with a separate email. The spending requirement of {$1000.00} during the month of XX/XX/2019 has been meet. The {$50.00} statement credit never posted to the account.
Consumer complaint received 2019-12-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CT)

I received a letter from the company named Pioneer Credit Recovery.  They claimed that i owe XXXX. I also was contacted via mail and phone by XXXX XXXX XXXX which claims to represent XXXX XXXX   XXXX  : this company claims i owe a total of XXXX. These companies have been debiting my personal bank account each month due to me signing up for a student loan rehab program to get my loans out of deffault status. Induction into these programs required me to agree to unconventinal stipulations within the law that binds collection agency practices. The ammounts listed include collection fees and other fees beyond the principle ammounts owed to the orriginal guarantors of these direct stafford and ffel student loans. 
I confirmed this on the nslds.ed.gov website and fafsa.edu.gov and navient. 

One of the collection agencies also took innital steps to garnish my wages and/or innitiate a treasury offset, if needed. Both these companies actions are questionable, possibly fraudelant.
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 — Reporting company used your report improperly
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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

I had a checking account with Fifth Third Bank since XXXX of XXXX. 
Starting XXXX of XXXX, they started charging me a monthly service fee unknowingly and they are trying to justify it using a long disclosure that contains a lot of information. 

Since, I have been a customer for a long time, I was expecting a reminder from them before they start charging me. In my estimation, they took advantage of me not being aware to charge some fees that they can't otherwise justify it.
Consumer complaint received 2019-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AP)

I had a home loan with Ditech which I never missed a payment on. I sold the house and have the loan paid in full, but I've had nothing but problems since. I've called Ditech customer service reps about 10 times for this now and Ive gotten nowhere. 
Ditech home loan number XXXX. 

My loan is paid in full. However, I have a {$560.00} escrow balance left with them, need it refunded and they refused to disburse me my money. Ive asked for this refund at least 10 times now. There is no reason they should be holding this money and refusing to send it to me. 

Additionally, my loan closed on XX/XX/XXXX. During that loan closing, my title company paid my county taxes in full. No taxes should have been sent out by Ditech because they were paid in full by me, but for some reason, they still dispersed my tax payment on XX/XX/XXXX. ten days after my loan was already done paid off. Since my taxes were paid in full during closing, then again paid by them, they have been double paid. The county will not issue the refund to me since they're the ones who made the payment. They need to get a refund from XXXX County for {$1200.00} then send me that refund, but once again they refused to do so. 

With the tax payment, and my remaining escrow balance, they are withholding {$1800.00} of my money, and not a single representative will do anything about it.
Consumer complaint received 2019-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been contacted by capital one collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked Capital one collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is {$1000.00}. 

I have also tried to contact XXXX at the office of the president multiple times and left a voice mail. XXXX sent a letter full of useless information that I did not request. I am seeking to establish a settlement for the auto loan that went into default for {$3000.00}. I am not requesting the account be removed or deleted, although if that's an option, I would like to take advantage of it. If not, I will settled with the status of the account being changed to " Paid in Full '' as opposed to " Settled ''.
Consumer complaint received 2019-12-08
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. (MD)

Equifax continuously mismanaged my credit report. In XX/XX/XXXX they reduced my score 36 points just because I got a credit increase of XXXX. I believe someone is purposely sabotaging my report at Equifax because I have previously complained about them. They are the only credit bureau that continuously maintains the lowest scores for me. They continuously report inaccurate information. I got a credit increase and XXXX  score went up 10 points. I believe that they are targeting me I would like to have a serious investigation done. How can I have XXXX at XXXX  and XXXX with equifax. I just had a miscellaneous derogatory late information removed from my mortgage company in XXXX and it's not reflected in my score. I want them fully investigated because I want to take legal action.
Consumer complaint received 2020-01-14
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. (GA)

I have had consistent problems getting into my Equifax account for the past few months. Early in XX/XX/2020 I talked to a customer service rep about this, but she did not understand what I was talking about ( not English speaking, not very well trained, etc ). During the conversation a survey interrupted the call, and then the call was cut off. I sent an email to XXXX who said they would contact me within 2 business days and gave me a case #. They did not follow through on this. I called yesterday XX/XX/2020.. again the same problems. Could not understand the rep. While she was checking on her end the survey came on again and cut off the call. So I had to call back an start the process again, and the same thing happened. They have not bothered to contact me via phone or email to try to solve the problem. I sent another email to customer service, said they would have someone call us within 2 days. With something this crucial I can not believe that there customer service is so TERRIBLE. The reps do not have any training. Most are foreign speaking which makes communication horrible. Who is the watchdog for Equifax? This is very serious, and something needs to be done.
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was charged a {$700.00} charge that was not supposed to and due to this was charged ISF fees. Making my acct negative & I had bills that came out and got more fees. Then Once they deposited the {$700.00} back they never did the last fee and then the acct stayed negative with almost {$500.00} in late fees. And now its over {$1000.00} in fees. 

They should have gave me back my late fees. So my account could be positive.
Consumer complaint received 2019-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a notice from Bank of America that an account was open in my name that was overdraft XXXX. Then the next day I was sent a letter that that account was overdraft XXXX then the next week it was overdraft XXXX. I reported the account be closed immediately to regulatory affairs and management and the contacted me and assured me it was frozen and that I would receive no contact from them further. Even after I began receiving letters which meant it wasnt froze or someone unfrozen it and is stealing from a fraudulent account in my name. There is no way an account can do that and remain open yet the bank kept it open anyway even after I sent them a fraud report from the federal government homeland and the FTC. The XXXX wives in particular and XXXX employees are known to do this to military. They bully military in the banks. They know its not possible for an account to do that yet they kept it open even after I provided legal information that should have kept it closed.
Consumer complaint received 2019-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group (FL)

I underwent a medical procedure and was told my responsibility was {$1800.00} unless there were complications. I paid {$1800.00} the morning of the procedure and there were no complications. Several weeks later I received an exorbitant bill for additional fees and I immediately sent an email disputing the bill. I never heard back from them via email. I also called and recorded the call, where someone assured me they would investigate and get back to me. They never did. Instead, I received a notice from this collection agency. This hospital is predatory in its pricing and collection practices and I do not owe them another penny.
Consumer complaint received 2019-12-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NJ)

RADIUSGLOBAL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX, Date Opened : XX/XX/2019 Rate/Status : Collection High Credit : {$680.00} Comments on Account : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX AS COLLECTION ACCOUNT i subscribe to XXXX  to monitor my credit report. That appeared on my report above. 
They called me and offered a settlement amount of XXXX to pay off the XXXX, i paid the XXXX and when given a confirmation number to verify it was paid was asked for social security number. upon giving the number they all of sudden stated there is other debts that they have in their agency that were not being reported on the credit report. I was not told any other debts existed till i paid the XXXX, i feel fraud as i was under impression debt from company completely paid off with XXXX only to be told other debts might now appear on my report that i did not know existed. is that lawful?
Consumer complaint received 2023-02-09
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. (AL)

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

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Convergent Resources, Inc. (TX)

Convergent outsourcing has tried contacting me to collect {$710.00} they claim I owe to XXXX. I have expressed to them in the past I do not wish to be contacted with this matter and my willingness to pay for a deletion off my credit report. Harassing phone calls have taken place at my place of employment after expressing I do not wish to be contacted, much less at work after hours. Not sure how they got my work number, but I no longer wish to be contacted and demand my account be removed and deleted from report for the pain and suffering this has caused in my place of employment. If Convergent Outsourcing Inc. continues this action I will be filing disputes, complaints with XXXX, Federal Trade Commission, and XXXX XXXX office ( attorney general ). Their collection practices are illegal and unethical!
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

In XX/XX/XXXX i filed for chapter XXXX bankruptcy and have included my Macy 's account that was originally opened in XX/XX/XXXX. In XXXX of XXXX, i had sent all 3 credit reports a dispute regarding this account, due to the original delinquency date being incorrect. The original delinquency date was in late XXXX, not XXXX. I filed for bankruptcy in XX/XX/XXXX. This account is due to fall off of my report.Anyways, after the dispute was complete, i noticed that the original delinquency date was changed to XX/XX/XXXX which was the date of my last dispute! They deleted all the previous dates of all payments made in XXXX, and XXXX, and put a new date of XX/XX/XXXX as the new date of delinquency which is totally illegal! They are trying to re-age this debt for another 7 years when this account is due to fall off this year! They can not due this!!! According to the law, they can not change the date of first delinquency, this account was discharged through a chapter XXXX bankruptcy in XXXX which makes what they did a crime! I am enclosing the discharge papers for the bankruptcy in XXXX, and a copy of my account on my credit report.According to FTC, if there are any inaccuracies that can not be verified, it must be deleted from my credit report! This is a copy from my XXXX  credit report which shows the error.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SUNTRUST BANKS, INC. (GA)

I have been targeted by SunTrust and have been put through extraneous procedures when trying to open basic checking accounts. I have been a customer since 2012 and have had a credit card in good status since 2012. I just requested a replacement card and have been using it when they sent a notice that they were closing the account for inactive use. This is not true as I had recent activity on the account. SunTrust also froze a checking account of mine for no apparent reason when in fact I had a previous account with them for several years and they have all my identifying information on file. I believe Suntrust has flagged my information within their system and are systematically denying me access to their products. Also I have suspicions on where the bias is coming from ( based on the person whom viewed my XXXX profile a few years back when I opened a vehicle loan being acquaintances of an ex-friend ). It is unfortunate that SunTrust would allow these type of practices to be practiced within their organization but am surprised they would fabricate that the account is inactive when in fact I was using it to close my account.
Consumer complaint received 2019-12-02
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: LEXISNEXIS (TX)

I sent a letter to Lexis Nexis for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from XXXX courts stating they do not report info to Lexis Nexis nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO
Consumer complaint received 2022-10-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020
Consumer complaint received 2022-10-03
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. (PA)

My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.