davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Fraud on checking account ending in # XXXX. Two checks one {$24.00} the other {$360.00}. 
Those companies are unknown to me. USBank ordered me to close the checking # XXXX and debit card # XXXX. Was told to open a new checking and new debit card or leave USBank. Completed per their directive under duress new account # XXXX and debit card # XXXX. I am severely XXXX 8 XXXX  with XXXX  and XXXX  in my body. XXXX XXXX XXXX. Legally XXXX. Instructed to change Social Security deposit, small pension deposit, any automatic payments from creditors. I spent endless hours on the phone with fraud hotline with their staff unable to find my claim. I got a ride to the branch and filed affidavits of fraud on checking # XXXX and debit card # XXXX. The branch manager XXXX removed my son from joint checking because he was not their to sign a card, yet he was on the checking for many years with me to help pay emergency bills during hospital stays. Now he can not do that put down as only a beneficiary and crudely told you have to die. My son is XXXX in XXXX risking his life and not there to sign a card. BUT THE 800 ONLINE TOLD ME THEY COULD OPEN A JOINT CHECKING AND PUT HIM ON THERE AND MAIL NEW CHECKS WITHOUT SIGNATURE CARD. Then recently more fraud shortly after receiving a new checking account ending in # XXXX and debit # XXXX. Somehow someone got a hold of my debit # XXXX and charged {$100.00} and {$50.00} two different charges through XXXX, N, Y. I had to pay for a ride to transport me to the USBank. I was issued a new debit card # XXXX. 
This card does not allow me to pay my bills due to a small allocation of funds despite my transfer from savings exceeding the USBanks limit. The USBank told me they need to hold my funds because it was better for me to receive interest on savings rather than spend my funds on BILLS! I have been forced to make calls to the branch and fraud hotline daily spending 3 to 4 hours a day. MY HEALTH HAS BEEN AGGRAVATED AND EXACERBATED and my doctor is recommending i be hospitalized as my XXXX levels are between XXXX and XXXX for a XXXX XXXX   with XXXX XXXX. USBank conned me into staying with them under the guise of hidden false benefit much like a haggling huckster. XXXX the Branch Manager with other employees except one shows much laziness and incompetence of which my son and I have paid the price.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc. (UT)

Convergent Outsourcing is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be on my credit.
Consumer complaint received 2019-10-13
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. (KY)

XXXX continues to report to all 3 credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX XXXX  and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. XXXX
Consumer complaint received 2019-10-13
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. (KY)

XXXX continues to report to all XXXX credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX XXXX and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. XXXX
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

Two charges in the amount of {$160.00} each were posted to my HSBC credit card - one in XX/XX/XXXX and one XX/XX/XXXX ; both charges are fraudulent and unauthorized. Due to difficulty accessing my account online and by phone, I did not become aware of these until XX/XX/XXXX. When I spoke with HSBC fraud dep't. in XXXX, I was promised ( in a recorded conversation ) the refund of both charges. Now in repeated calls they are refusing to refund the earliest charge due the length of time since it occurred. Today I was given a number for the 'presidential dep't '. When I called I was unable to speak with anybody and could only leave a message. 
I typically have to spend a half hour or more on the phone with no resolution. ; The company has proven to be the most difficult credit card company I have EVER dealt with.
Consumer complaint received 2020-02-21
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. (UT)

XXXX is reporting incorrect lates on my credit file. They are reporting Lates on my credit for a service they never provided. I have contacted them and they admitted their fault and said they would refund me around {$500.00}. I have received the refund, yet they continue to report these erroneous lates on my credit file. They are in violation and i'm requested kindly that they remove these lates off of my credit file.
Consumer complaint received 2020-02-21
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. (UT)

XXXX is reporting incorrect lates on my credit file. They are reporting Lates on my credit for a service they never provided. I have contacted them and they admitted their fault and said they would refund me around {$500.00}. I have received the refund, yet they continue to report these erroneous lates on my credit file. They are in violation and i'm requested kindly that they remove these lates off of my credit file.
Consumer complaint received 2019-08-30
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. (CA)

I report numerous violations commited by Citi Bank and request to impose appropriate sunctions that will motivate that financial institution to obey the law.

Citi

Bank violated FCDPA 804. ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer by calling and refusing to disclose the identity of the employer when I explicitly requested that. Citi Bank violated FCDPA 807. ( 8 ) includi ng the failure to communicate that a disput
ed debt is disputed by not notifying me about alleged debt. 
Citi Bank failed to validate the debt before reporting it to consumer reporting agencies by violating FCDPA 809. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector On XX/XX/XXXX I got a call from a person who didn't want to introduce himself neither disclose the identity of the company till I confirmed my name, though such an action classified as a violation of FCDPA. But I already knew that Citi Bank employs such deciving practices so it didn't surprise me. Then, I was asked why I didn't make minimum payments for my credit card. I was taken off guard since I saw payments going to Citi Bank in my online banking. Then we started to investigate the issue. It turned out that in XX/XX/2019, a Citi representative made a mistake while setting automatic payments and linking an unexisting account over the phone. Then, for 3 months Citi failed to call me or send me an email notifying that autopay didnt work and they didn't receive the payments. When it was clear that it was only an error on the bank 's side, Citi representative apologized for a mistake, reversed all late fees and fixed autopay. Nevertheless, at the same time Citi submitted a false information about missing payments to credit reporting agencies! And the bank never notified me that it would take such an action neither by phone, mail, or email which is another violation of FCDPA!!! A month later the bank insisted and resubmitted the false information again. In XX/XX/2019, faling to make Citi to fix it on its own, I disputed credit report late payment with credit bureaus and on XX/XX/XXXX I received results from XXXX which confirmed again that I was 30 days late making payments for a credit card. It appears that Citi Bank considers penalties under FCDPA insignificant and is ready to bear them in order to harass its clients. 
As a result of multiple FCDPA violations by Citi Bank I had a credit card issued by XXXX XXXX closed and a new account request rejected by XXXX.
Consumer complaint received 2019-07-12
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: CITIBANK, N.A. (TX)

Back in XXXX of this year 2019, I Have sent a letter to CitiBank regarding a inquiry that was placed on my credit reports and i ask them to please removed the inquiry at once and yet today i received no response back from them.
Consumer complaint received 2020-02-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

XXXX XXXX XXXX XXXX. We paid off our loan on XXXX XXXX 2020, the company showed an escrow balance and we called to confirm this was correct. They said yes verbally and digitally on the website. 

They then closed out the account and sent us a check for over {$2700.00} less. We have called for the explanation, why the huge difference, and they said it was because we didn't make a XXXX payment. This did not make sense, because we closed on XX/XX/XXXX. They received the wire transfer in the first week of XXXX and notification ahead of time. They applied it on the XXXX and on the XXXX ; which also didn't make sense, if they received the single payment, why break it up and space it out over days but record it on the XXXX. 

We have called and spoke to management over 5 times, each time it was a different story and the numbers changed. XXXX XXXX was the last XXXX. Their object now is to not answer the call or put us on and off hold for hours until we get upset and hang up. 

We have been cussed out more than once when they thought we were on silent or hold. 

For my wife 's first home buying experience this has been a nightmare. 

XXXX XXXX They claim all of this security and safety of your private information, but we are constantly being called and receiving mail by XXXX party people that are marketing business partners.
Consumer complaint received 2022-07-23
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. (TX)

In accordance with the Fair Credit Reporting Act ; XXXX 's # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX has violated my rights.

15 U.S.C.1681 Section 602 A, States that I have the right to privacy.

15 U.S.C.1681 Section 602 A, Section 2 ; it also States a consumer reporting agency CAN NOT furnish an account with information without my written instructions.
Consumer complaint received 2023-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account the company has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2020-02-21
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. (LA)

XXXX XXXX XXXX # XXXX is reporting a balance and several lates on an account that I do not owe and should not have. I returned this instrument in XX/XX/XXXX and was never informed there was still a balance on it. I thought it was auto draft and I never received any notices for an overdue balance. These lates are not my fault and I want them removed.
Consumer complaint received 2020-02-21
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. (AR)

I called in XXXX XXXX to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the XXXX XXXX account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (VA)

I used PayPal Credit ( synchrony bank ) to purchase a few items. Some were purchased under a special financing zero interest if paid in 6 months plan, and a larger one was was a 24 month plan with 12 % interest added up front. 

I recently made three payments equaling {$900.00} and found out they had applied them all to the 24 month plan until it was paid off and the small overage to the special financing balance. There is no where during the payment process to select which loans it is being applied to, the consumer has no say. 

I called today to get the payments properly allocated and was told because they had already applied the payments to and paid off the 24 month loan ( without my permission ) they can not undo that, so now Im left to come up with enough money to pay off the special purchasing totals before the promotion expires or Ill be charged a much higher interest rate. 

This company is deceptive in their practices and Ive found many more complaints online of people having the same problem.
Consumer complaint received 2021-02-18
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: DISCOVER BANK (IL)

My records associated with the account DISCOVER FIN SVCS XXXX  with account number XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to XXXX XXXX XXXX  but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

I had student loans I had in XXXX. These loans have been put on my reports under different names and removed for more than 10 years. I have let each credit bureau know that these same loans keep getting put in my report under different names. Now they are under the name of XXXX XXXXXXXX XXXX ( XXXX ) and XXXX, Equifax, and also XXXX will not remove them. They have been disputed over 15 times and have been paid off. This account should be removed because it has been removed under every other name. The account is over XXXX XXXX XXXX. These accounts are 4 accounts on each report and have been paid off and should have been removed years ago. Loans originated in XXXX and went into collections in XXXX. I have disputed this with the credit bureaus and XXXX XXXXXXXX XXXX for the past 5 years with no resolution. 


Also on XXXX there is an account called XXXX XXXX that has appeared on reports multiple times under different names that has been removed by all of the credit bureaus and XXXX is the only bureau that hasnt removed it. It is for {$180.00}
Consumer complaint received 2020-02-21
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: General Motors Financial Company, Inc. (CA)

Here is the contents of my earlier complaint so you can make the connection : " GMs claim was for {$620.00}. I paid them directly {$570.00} and XXXX paid them {$230.00} for my XXXX, thus they received {$800.00} which means {$180.00} of over-payment. 
Due to your intervention, I received last week a check for {$160.00} with NO EXPLANATION WHATSOEVER as to HOW it's calculated. 
" -- -- -- -- -- -- -- -- -- -- -- -- -- Alongside that complaint, GM Financial is still reporting that I owe them {$69.00} where, in fact, they owe me at least {$17.00}. 

Please correct this wrong information. 

Thank you, XXXX XXXX
Consumer complaint received 2020-02-21
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

In XX/XX/2017 my reverse mortgage with XXXX XXXX was sold to Champion Mortgage. In the 6 + years with XXXX XXXX, I had no problems with XXXX XXXX processing any documents submitted to them. Since Champion Mortgage took over, I get 2nd and 3rd notices, annually, about submitting Annual Occupancy Certifications, property tax payments and home insurance even though they were faxed or sent within days of the initial notice. These notices become harassment, threatening mortgage default and or inspection cost for having someone come to verify my residency. I call them after each notification and they say the certification has been received and not to be concerned but then send out another notice. They have no email address and there is no way to prove communication with them. Phone conversations are never with the same person identifiable by 1st name only which is surely fake. They claim they can not email acknowledgements. They have only a PO Box address so there can be no registered mail to prove they receive anything. A fax receipt only shows that I sent the fax but not necessarily that they received it. I believe they are purposely not acknowledging receipt of, or processing the documents so they can find ways to add to my mortgage debit or ultimately foreclose on my home.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I phoned Bank of America about interest charges that they charged me that I felt were charged incorrectly/unlawfully. They told me that they are required by the government to allocate my payments to the cash advance before my most recent purchases, even when I am paying more than the minimum and well over the minimum + purchases + paying down the cash advance. 

They are now stating that because the account has a balance ( due to the 0 % cash advance amount that should not be charged interest until XX/XX/XXXX ) they are charging me interest on the small purchases I more than pay for every month as I am trying to pay off the cash advance in a timely manner. 

I pay the minimums + whatever I purchased during the previous statement billing cycle + additional money to pay down the 0 % cash advance and they are still charging me interest. 

On one statement it appears as interest on my current statements purchase ( at the rate of over 18 % ) even though I more than paid those off that month. 

On the next statement there is just a vague fee titled minimum interest charge. 

They would not reverse the fees and told me I would be charged interest on new purchase until I paid off my cash advance ( which has 0 % interest until XXXX! ). 

To the best of my understanding this completely violates the Credit Card Act of 2009.
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (CA)

This morning at XXXX XXXX I received a debt collection call which woke me up right after I had finished with work. Then they continued to contact my family telling them how they were looking for me to collect debt. Both of these things break the FDCPA rules.
Consumer complaint received 2020-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

midwest recovery systems popped up on my XXXX credit report today, im sure the other two are to follow. i have never heard from this company, received a letter from this company, nor received any phone calls from this company. lastly they do not have a license to collect debt in the state of texas. this need to be removed from my credit report asap