davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX and XX/XX/XXXX, I made two large payments to XXXX XXXX XXXX, a lawfirm handling the collection for Sears / Citibank credit services to settle the balance of a collection on my credit report. Since then I have not been able to receive a {$0.00} balance letter from Sears/Citibank. I have made multiple calls, the last on XX/XX/XXXX or XX/XX/XXXX, I can not be sure as I have called so many times. This last call I was told that a letter would finally be issued to me in which I received on XX/XX/XXXX that shows a {$0.00} balance. Low and behold, the account number did not match up. I contact Sears/Citibank " escalation team '' yet again. Now they are telling me that the letter I received was for an older account that eventually was transferred to the collection account and that it was sent in error. They are telling me that I will not have a {$0.00} balance letter for 60-90 days because this is how their system is set up. I feel that after speaking to the last representative that sent me this wrong letter, sent the letter to trick me in thinking it was what I was needed and to just get me off of the phone. I've called their attorney 's office and they can not answer as to why Sears/Citibank can not issue a {$0.00} balance letter as they have had the funds from their account ( attorney 's ) since XX/XX/XXXX. There shouldn't be an issue as to whether it will clear or not. In addition, I had a home closing on XX/XX/XXXX that I have now lost because of this account. So I paid $ 3800+ dollars to Sears/Citibank for no reason and I have now also lost {$5000.00} in deposit monies for my home. I ; m pretty sure that this is in violation of the FCRA.
Consumer complaint received 2022-10-14
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. (FL)

I recently received my most recent credit report. 

In accordance with the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ), Can you re-investigate the completeness and accurancy of the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX : XXXX DEPTEDXXXX  : XXXX DEPTEDXXXX  : XXXX DEPTEDXXXX  : XXXX DEPTEDXXXX  : XXXX US DEPT ED : XXXX US DEPT ED : XXXX Nelnet : XXXX XXXX : XXXX DPT EDXXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Issue I was over billed {$870.00} dollars. I prepaid the full amount in XX/XX/XXXX and had a XXXX  balance. The auto pay charged me {$870.00} out of my checking account. 
I called on XX/XX/XXXX and they said it can take up to 10 days to get a refund. I called them on XX/XX/XXXX and still pending the refund. This has never happened with another credit card company. The account shows a negative balance and I included a screen shot to this case ( Negative balance.png and amounts.png ) Negative balance XX/XX/XXXX XXXX transaction for Transaction date : XXXX ELECTRONIC PAYMENT Type Payment - {$870.00} - {$870.00} Expand transaction for Transaction date : XX/XX/XXXX XXXX  ELECTRONIC PAYMENT XXXX Balance XX/XX/XXXX XXXX transaction for Transaction date : XXXX ELECTRONIC PAYMENT Type Payment - {$870.00} {$0.00} Date Amount - {$870.00} BANK OF AMERICA - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have contacted XXXX XXXX XXXX, and USSA  about an entry they are reporting about me that is fraudulent, and was opened as an act of identity theft. USAA allowed for both a personal loan and a credit card to be opened in my name without my permission and fraudulently. I have tried to work directly with USSA many times and tell them that neither of these accounts were opened by me and have gone into great detail explaining to both USAA and XXXX XXXX where USSA reported the debt to that this was fraud. I have provided them a police report that outlined that I was a victim of identity theft and that many fraudulent accounts were opened in my name and correct social security, every since I was a victim of identity fraud. When I have spoken to both of these companies they have both refused to assist me and told me that did not care that I stated I was a victim of identity theft/fraud they would not remove their derogatory reporting of the

se two fraudulent accounts. My identity was stolen when my wallet was taken from me in XX/XX/XXXX when I was robbed. I have had about 17 charge cards, 2 auto loans, and 3 personal loans opened in my name due to this fraud/identity theft, and none of these fraudulent accounts should I be held accountable for. USAA told me in one of the calls that I had with them that the accounts they claimed were opened in my name were included in a bankruptcy, Well I have never filed a bankruptcy EVER, and either of these parties can check my XXXX File, My XX/XX/XXXX File, and My XX/XX/XXXX File and they will see there is no record of any bankruptcy that I filed. 

Both XXXX XXXX and USSA are acting in a willful manner of inflicting emotional distress upon me by continuing to report this fraudulent information. They are defaming my character by them continuing to disseminate information that has nothing to do with me except the fact they allowed fraudulent accounts be opened in my name and they are totally unwilling to act in accordance of the FCRA and rectify this matter. I am attaching a copy of my most recent credit report that will affirm that I was a victim of identity fraud/theft and am asking for the immediate removal of this fraudulent information..
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Put a credit freeze on my account after the big data breach. Experian took my information and gave me a 6 digit password to unlock and lock my account for security. The feature seemed to be an awesome way to protect my credit. Now they refuse to unlock my freeze when I enter my information and 6 digit pin as required. They are asking me to submit all types of copies of my personal information and refuse to unlock my credit score as required by agreement. No other agency does this to me of the big 3 but them. Online, automated, or on phone, they refuse to unlock my account as required by our agreement. In no way did I put a freeze on my information to exclude my ability to share it as I deem fit, or requiring me for the exhaustive documentation they now say they require. This practice is a XXXX  and unfair way to punish consumers that put a freeze on credit through Experian.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2017 I filed a Chapter XXXX bankruptcy petition. The bankruptcy plan for 100 % repayment of debts was confirmed in XX/XX/2017. In my petition, I included two Bank of America unsecured credit card debts. At the time of filing, both debts were sold to a collection agency, XXXX XXXX XXXX , XXXX. Bank of America filed a claim for payment for both unsecured debts, XX/XX/2017. Since my Chapter XXXX plan was confirmed, I have never missed a single payment to the Standing Bankruptcy Trustee. I pay my 100 % repayment Chapter XXXX plan, in full, each month, and the Trustee distributes funds to Bank of America for repayment of these debts. Each month, since the confirmation of my Bankruptcy plan, Bank of America continues to report one of the debts as " Charged Off, '' with no reflection of the account being involved in my Chapter XXXX repayment plan. They never report they are receiving regular payments from the Standing Trustee either. If a person were to review my credit report each month, they would see the balance is decreasing routinely. However, anyone else viewing my creditworthiness would think I still have an outstanding, unpaid, charged off debt owed to Bank of America. This is inaccurate and I have been unsuccessful my countless disputes, with the credit bureaus, to have Bank of America report this information accurately. Oddly, the other Bank of America claim is reported correctly each month as being included in my Chapter XXXX, not as a " charge off. '' I don't know where to turn at this point. furnished all evidentiary documentation, for your review, to better understand my disheartening situation. Page 5 of my XXXX  report shows the Bank of America charge off, and the other documents relate to my Chapter XXXX petition. This misinformation is hurting my creditworthiness more than my Chapter XXXX record.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (MD)

The company that is the problem is VitalChek. I'm trying to get the birth certificates for my sons. I ordered on XX/XX/XXXX - they were very quick to take the money. 

Company does not respond in person to telephone inquires but tells you " due to high call volume to callback later. '' The company has only canned respones to issues that rather than specific statements of what needs to be done.
Consumer complaint received 2021-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TMAGNUSONE Inc (GA)

I was looking into a XXXX  forgiveness program once it was time to start paying back my loans. XXXX XXXX XXXX  discussed 2 options and I went with what best suited myself. I made my monthly payments, sent emails, made phone calls, sent forms, and everything they asked. But its a scam. For the past year and a half, my payments have been pocketed and 0 % was put towards my loans. Then I find out they made an account in my name, created their own security questions, and making changes to my account. I am a victim of this fraudulent activity and Im unsure of what to do moving forward. Hopefully someone else who takes the time to thoroughly research XXXX XXXX can avoid the same fate.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

I have previously filed a complaint against this company Complaint Number XXXX. On dated XX/XX/XXXX statement because I contacted your agency, XXXX posted my accounted with $ XXXX misposted payment and {$100.00} Encode Error. 
On dated XX/XX/XXXX statement, there are two transactions dated XX/XX/XXXX Encode Error Reversal - {$100.00} and {$1000.00}. 

This transaction took away the " misposted payment '' that was given to me on XX/XX/XXXX statement. It also caused a my account NOT to be paid in full as I always do and have done for all the years I have own the card so interest charge was applied of {$51.00} I immediately called XXXX and spoke with a Manager named XXXX and he insisted at first that it was because I did not pay {$1000.00} back in XXXX. According to the notes posted on the account, the items submitted from myself were not clearly visible. XXXX opened a case number XXXX. He then read more into the notes and said that the settlement team made the decision to place the Encode Error Reversal on the account and take away the money that was rightfully mine that I deposited to XXXX in XX/XX/XXXX ( 3 months ago ). 

Again I am not sure how this could be as I provide the XXXX receipt that clearly shows the numeric numbers as well as the XXXX phone number and the XXXX XXXX numbers that one can call and listen to the automated answer as to the value of each money order. The person on the phone said he had to open another case and needed 30+ days to review the material. I told him to pick up the phone and call XXXX and put in the XXXX XXXX numbers and you will hear the values and that will take less than 10 minutes. I am tired of calling people and being on the phone for hours at a time trying to get creditted MY OWN MONEY! IT IS WRONG!
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

Received a collection/charge off on my credit report by this company. Have tried numerous times to dispute with all credit bureaus to no prevail. Have contacted collection agency to validate debt and have gotten the runaround demanding that I pay them. Have been harassed with phone calls and countless letters. Not once was I provided evidence authenticating the debt at question. Never received proof or validation that debt belongs to me. Have yet to see a single signature of mine validating that the debt in question belongs to me. My credit score has dropped over 100 points because of this incorrect collection/ attempt to collect false debt from me
Consumer complaint received 2020-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

We received a mailer from XXXX XXXX XXXX regarding a streamline FHA refinance. After discussing with the mortgage lender, we began the process with intentions to close on the new mortgage in XX/XX/XXXX. We were told by the mortgage lender throughout the month to not make our XX/XX/XXXX payment as that would affect the payoff of our existing mortgage. As the end of the month got closer, we again asked if we should go ahead and make our XX/XX/XXXX payment and were once again told no that it would mess up the closing and payoff of our existing mortgage. We were able to close on XX/XX/XXXX with the payoff scheduled to be wired on XX/XX/XXXX. 

We subscribe to credit monitoring service and noticed early XX/XX/XXXX that the loan had not been paid off, was showing 30 days past due and our credit score had dropped significantly. We contacted Ditech ( our existing mortgage holder ) and were told that the payoff was posted on XX/XX/XXXX. We explained that the wire was sent on XX/XX/XXXX and the loan should have been paid off. We were informed that the wire department was gone for the day and that we would have to call back. We tried calling back several times, each time having to speak to a different person and explain our situation over again. We were put on hold and spent as much as an hour or more on the phone with still no resolution. 

During this time we also tried to contact our mortgage lender repeatedly. We left messages, sent emails, and got no response. Once we received a letter regarding our first payment, we were able to contact someone at XXXX as it included a specific person and their contact information. We found out the lender that we worked with on the refinance was fired and that was why were not getting responses. I explained our situation and they said they would get right on it and work with the title/closing company ( Equity Settlement Services ) to get resolution. I have since called 2-3 times a week to check on the status, but no progress has been made. This has been going on since mid-XX/XX/XXXX. 

We have spent countless hours calling and trying to resolve this issue with Ditech and XXXX. When I have asked for documentation of the wire that was sent for the payoff, I was told that they may not be able to give me that.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

All companies that are reporting to my consumer report are continuing to report nonpublic information to my credit report. I have already sent each company opt out letters which stated that I am opting out of anything being reported to my credit report that I do not agree to have reported. According to the FCRA and the Privacy of 1974, I have the right to make sure my PRIVATE information isn't shared with any credit reporting agency or its affiliates. I have never given them written, non-verbal, verbal or implied consent to report any of my nonpublic information to the Consumer Reporting agencies. 15 UCS 6802 states that A financial institution may not disclose nonpublic information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. I've also sent letters to Experian, XXXX and XXXX and revoked any consent to furnish any information to my consumer report that I do not agree to have furnished. According to 12 CFR 1022.3, the definition of Identity theft, which means a fraud committed or attempted by using the identifying information of another person without their AUTHORITY, this matter could also be identified as IDENTITY THEFT because i never gave them any authority to do so. There reporting has severely impacted my credit score and I would like to be fully compensated for this.
Consumer complaint received 2020-02-25
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: JPMORGAN CHASE & CO. (MD)

I purchased an item on XXXX  with my Chase credit card on XX/XX/XXXX. The item was marked as " hand delivered to a resident '' when no one was home. I live in an apartment building and checked everywhere and with all my neighbors but no one had seen my package. I notified XXXX  and they sent a free replacement on XXXX XXXX which I did receive. The item was defective and not to my liking so I returned the item at an XXXX  location near home on XX/XX/XXXX. Nearly a month later the charge was still showing on my account so I disputed the charge. A day or two later on XX/XX/XXXX, I received an email from XXXX  stating that they had received my item and the return was complete.On XX/XX/XXXX the refund was posted on my Chase account. On XX/XX/XXXX I received another email from XXXX  notifying me they had received the dispute from Chase. A few days later I called Chase to cancel the dispute and I thought that was the end of it. Apparently, the claim was never closed, and XXXX contested my dispute with Chase with proof that I had been sent a replacement. The dispute was reversed and on XX/XX/XXXX I was rebilled for the item that had been returned on XX/XX/XXXX. I have called XXXX on several occasions and they tell me that all they see on their end is the original charge and the refund, no rebill. I have also called Chase 's claims department on several occasions and have been given several different stories : - " The rebill just posted yesterday, give XXXX a few weeks and they should see it in their system '' - " The dispute cancelled out the refund, you need to call XXXX to refund you again '' - " The rebill amount is sitting in XXXX 's bank ( which XXXX claims is Chase ) because of the dispute and they just need to contact their bank to release the funds '' - " XXXX never refunded you, the refund you see is because of the dispute '' Chase refuses to reopen the claim because XXXX has proven that a replacement was sent ( not the issue ). 

To date, no one can figure out where the money is. I don't have it, Chase doesn't have it, XXXX doesn't have it.They both keep pointing fingers at each other and I'm left with a balance I shouldn't have to pay.
Consumer complaint received 2020-02-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/XXXX I co-leased a XXXX XXXX XXXX at XXXX XXXX, today XXXX XXXX in XXXX XXXX, CA, without any problem or late payment for more than two years. Unfortunately, on XX/XX/XXXX this car had an accident and was totaled. The insurance made all the arraignments and paid Kia Finance a total of {$15000.00} on XX/XX/XXXX supposedly for the full payment of the car and covering all the expenses owed. Until XX/XX/XXXX we received an email from my credit card company saying that there was a change on our credit report and to our surprise there was still a balance on the Kia Finance account of {$280.00} dlls money owed for a car that was no longer in his possession since XX/XX/XXXX and that XXXX XXXX assured that the account was cleared. XXXX XXXX paid what was requested from KIA FINANCE but it seems that a balance was left unpaid and we never receive any letter requested by mail, email or call. To end this situation, we paid the balance of {$280.00} on XX/XX/XXXX but the damage to his credit was already done. 
We made calls and sent letters to Kia Finance clear this out, that I was never late in any payment but the company denied to fix it.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian is reporting an incorrect address that does not belong to me and has never belonged to me. They are also reporting an incorrect place of employment that I have never been employed by. I do not reside or do business at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I have never worked for XXXX XXXXXXXX. They are furnishing this information without my consent which goes against my rights according to the FDCPA. According to the FDCPA I'm entitled to XXXX XXXX Dollars per violation and they are violating my rights twice.
Consumer complaint received 2020-02-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (SC)

XX/XX/2020 I received a letter in the mail ref XXXX and so I called them on XX/XX/2020 at XXXX XXXX. I spoke with XXXX that was very rude after I told her I wanted an itemized statement on this account because we had paid a lot on this bill already and thought it was paid off. She then said no there is a balance and if you do not pay it today she would put it on my credit to go against me. This bill is for a XXXX year old child. I told her that I wanted it sent to the original creditor and she said she would not and there was nothing the FDCPA could do about it and hung up. I then called and spoke with her supposed manager to  report her behavior and against the law debt collecting tactics and her name was XXXX which she told me about 3 other accounts that were there that have been paid off with taxes. She still refused to get an itemized statement and told me I would have to contact the other places at which she denied any phone number for.