davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I noticed last month that I had been charged a fee for awhile on my account. The account agreement I signed said that the account was free as long as I continued to direct deposit each month, twice a month. I have been doing that and I have had this account for many years and never had a problem. When I contacted the bank, they told me I was being charged the fee because I don't use their debit card and haven't been into a branch. I did NOT agree to this fee and have many transactions both in and out of the account every month. I told them a two days ago that I would be closing my account and not to charge me the fee again. The next day, I get charged the fee. This garbage fee should not be charged to my account and I am very angry.
Consumer complaint received 2023-03-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FEDChex Recovery, LLC (FL)

The dates will be found on the letter attached. There are several dates that this collection agency called me while on work and have not opted me into text without my authorization. I mailed the letter to dispute and to cease all communication until they process my dispute and send a letter resolution but instead they have increased the amount of calls just to hang up and leave many voicemails. I feel very harrased.
Consumer complaint received 2019-10-07
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: M&T BANK CORPORATION (MA)

My vehicle had water damage last XX/XX/XXXX it took til XX/XX/XXXX for the insurance to claim it a full loss. GAP insurance has not kicked in yet for the ramainding balance of about $ XXXX.I have been cooperative with M and T Bank with this matter. XXXX, XXXX they began reporting me to the credit bureaus for repossession and charge off. I have been sending every document into XXXX GAP claims as they request claim number XXXX. XXXX states as they received documents it takes up to four weeks to process them. The list of documents is very long and confusing and originate from various sources. The Vin on the lose car is XXXX The account with M and T Bank is # XXXX.Balance is $ XXXXWhy ais my credit being ruined if I am cooperating and waiting on insurance companies to process this claim while having to do all the leg work for them in obtaining documents.
Consumer complaint received 2019-10-07
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 (KY)

I schedule all of my payments online and print payment receipts when payments are scheduled. I always schedule the payment for the end of the month before the payment is due. I scheduled a payment for the total amount due on XX/XX/2019 of {$1400.00}. Then for the XXXX Total balance of {$1000.00} I scheduled the payment on XX/XX/2019. I have the transaction receipts for both of these payments. Then on XX/XX/2019, Bank of America took out an additional payment in {$1400.00} out of my checking account without my authorization. When I saw the error, I contacted Bank of American on XX/XX/2019. They could not explain to me how this could happen and told me they would initiate a refund back to my checking account for the {$1400.00}. In the meantime, I have to move money around, borrow cash from my employer just to make sure I had enough in checking to cover my withdrawals. I called them back on XX/XX/2019 when the money still had not been returned to my checking account. They still could give me no reason as to how this happened and only gave me the answer of, " it takes up to 5 business days to process the refund ''. On Monday, XX/XX/2019 when the money was STILL not in my checking account, I called Bank of America again, only to be told by 2 more people that they could not explain what happened and that I should have the money back by the following day. As of right now, I am still trying to make sure my impending withdrawals are covered and I am still waiting for my money to be returned to my account. The fact that Bank of America STILL can not tell me how they were able to access over {$1400.00} from my checking account without my consent is baffling. I will cancel this card when all of my bonuses have been redeemed and my money has been returned.
Consumer complaint received 2019-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

My HELOC has been paid in full Td bank charged thousands of dollars in fees, which are not justified and they refused to allow me to dispute any of them. 

So I went to the local branch with a letter in hand from TD stating what I owed. The bank assistant called collections and he said pay this amount ( on letter ) and we will send " satisfaction of mortgage '' so I paid with the intention to dispute later. No I paidXX/XX/XXXX and instead of " satisfaction of mortgage '' got another drive by, foreclosure letter and {$300.00} plus in more fees. This was on XX/XX/19. Unbeleivable. The local branch called collections ( XXXX XXXX ) was no help. As I write this I am still being harassed by more drivebys and fees, costs and threatening letters. Please help. I dont know what to do. 
This is a Riverside Heloc. 













so.
Consumer complaint received 2019-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (FL)

I had negotiated a settlement with Citibank for a COSTCO VISA card. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is continuously harassing phone calls from XXXX XXXX XXXX XXXX. I spoke with their representative, XXXX XXXX XXXX, and told her I had previously arranged a settlement with Citibank. I encouraged her to contact Citibank for further information. Despite this, she continues to call. I have also made numerous and repeated attempts to contact Citibank. But, either the call gets transferred to departments that are closed or they " fall on deaf ears '' by Citibank representatives who refuse to correct the problem. This has been very taxing on me emotionally and is also negatively affecting me financially.
Consumer complaint received 2020-11-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NC)

I have disputed XXXX XXXX XXXX twice now on Experian with documentation. They continue to report a XXXX balance at XXXX XXXX XXXX in XXXX NC. I have a XXXX balance receipt from the XXXX that I have sent Experian twice. This item isn't even 1 % correct much less 100 % correct as required by the FCRA. I insist the CFPB use the full weight of the FTC to have this item removed from my Experian report forthwith. I am attaching my receipt but they have been copied on it twice. It's time to get serious about this befure we start seeing that {$5000.00} lawsuit come to fruition.
Consumer complaint received 2018-12-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

The information shows that the account is placed as a in collection or charged off. This information is very inaccurate because I was considered XXXX XXXX XXXX XXXX XXXX XXXX by the Veterans Affairs. I did all the required documents so it was placed as a loan forgiveness.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (OH)

Ive been seeing all the information about OneMain Financial, I have a current and previous loan with them. I know for a fact they are overcharging people interest and adding things to our accounts without our knowledge. I took an {$8000.00} loan XXXX years ago, and am still at almost {$6000.00}. It isnt right, and if they would have shown the actual interest, I never would have got this loan.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX was paid off b/c it was hurricane harvey it was a least all lease has gap!!!! 

FTC report and police, hacking
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX- {$500.00} It was sent via dispute stating that this account did not belong to me ; I'm unaware of a XXXX  XXXX account. Although the account was disputed as not, my account still shows on the credit report as " account not disputed ''. Either the company sends validation or this account, an actual validation of this account. Such as full details about the age of the account and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest and the date of the original creditor claims when the account became delinquent. I have not received any of this information from XXXX, Equifax, or the collections agency. This account needs to be removed based on my rights via the FCRA.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CT)

I have a Home Depot Credit Card that I pay off fully every month and have not missed any payments or been charged any late fees. I noticed printed in the middle of the statement that " You must pay your promotional balance of {$82.00} in full by XX/XX/20 to avoid paying deferred interest charges '' and another that states " You must pay your promotional balance of {$7.00} in full by XX/XX/20 to avoid paying deferred interest charges '' I called the company and they told me that when I pay my statement the money goes to charges ( revolving credit ) that have not been paid yet ( in the 25 day grace period that have not been billed yet ) and the rest goes towards the promotional balance. The only thing that I can figure is that the grace period is negated if I purchase something over a certain amount. I've told Home Depot it's illegal for them to charge me interest during the 25 day grace  period.
Consumer complaint received 2019-10-07
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: AFNI INC. (TX)

I sent a Debt Validation letter to AFNI Inc for two unverified collections that are on my Credit Report that I do not recognize as being accounts I opened. One for {$1600.00} and the other for {$270.00} on XX/XX/19 and it was delivered XX/XX/19 I never got one response from them in regards to these accounts. It is now XX/XX/19 well past the 30 days requested on the original letter that I sent to them and still have not heard anything from AFNI Inc . I have also sent a letter requesting that these accounts be removed from my Credit Report due to no response nor Validation of these debts and they still appear on my Credit Report. I am now filing a complaint with you guys on this Agency because I can't seem to get any type of response from the company themselves.
Consumer complaint received 2024-03-30
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

I am making a complaint for two different fees. About a week or so ago I went on the cash app app to see if I could qualify for a glitter card. Once I submitted the information to try to get it I thought they would take the {$5.00} out of my cash app account once money was deposited into my account. At that time I didnt realize I had another card linked to my cash app account. Cash app took the funds from my external card that was linked which I didnt want it taken out from that card. I immediately called them to cancel the shipment of the glitter card so I could get a refund back on my linked card. Cash app told me they canceled the shipment of the glitter card but wouldnt refund my {$5.00}. This was the main reason I canceled so I could get that money back into my account. They refused to refind the money as I mentioned but canceled the card from being shipped. So I was charged for nothing and they kept my money! The second thing is cash app has a borrow limit on my account where I am able to borrow up to {$25.00} from them and pay them back with different options. I was suppose to pay them back yesterday but paid them a day late. I was sent a notification from them saying if I didnt repay it by XX/XX/2024 I would be charged a extra {$5.00}. Today is XX/XX/2024. I was sent a deposit today and cash app immediately took that {$1.00} from my account! I contacted them by phone and the man told me he would help. He placed me in hold saying he couldnt help. The only way to speak to cash app about this was by email and they would contact me that way. I asked him why did he even place me on hold when I had already explained the issue to him and he knew they only contacted through email about my concern?! It was a waste of time placing me on hold acting as if he was going to help. Also why would they need to contact me by email if I was already on the phone with them!?! Cash app is well known for taking your money or allowing others to take your money and not helping retrieve it back especially if the merchant is a scammer! A while back I paid a merchant {$200.00} and the merchant told me they didnt receive my mo ey I sent them but it showed on cash app it was sent to them. Cash app did NOTHING about giving my money back at that time. Cash app needs to be removed and held accountable for how they are doing their customers! They false advertise and say you dont owe something until a certain date but still take your money
Consumer complaint received 2023-04-10
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-09
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. (CA)

Upon disputing this record, TRANS UNION failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX XXXX Trans Union Corp. , No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), they will be liable for their willful non-compliance.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NJ)

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I XXXX review to see if this is actually an inquiries that belongs to me
Consumer complaint received 2019-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (WA)

My Lending Club payments are due the XXXX in the amount of {$600.00}. I phoned in my XX/XX/XXXX payment on XX/XX/XXXX for the amount of {$630.00} to cover the amount due plus late fee. I asked the rep twice if I had avoided being reported 30 days late and she assured me I had. I also received email confirmation of the payment which I am uploading with my complaint. I followed up on XX/XX/XXXX when I noticed my bank account didn't reflect withdrawal for the payment. I made payment again that day over the phone and that rep said he would submit a trouble ticket to have a supervisor review my XX/XX/XXXX call for their processing error and that I would hear back from Lending Club. 

On XX/XX/XXXX, I received alerts from credit reporting apps that my Lending Club account was reported 30 days late causing my XXXX and XXXX scores to drop XXXX points. I called Lending Club twice that day, and the second time representative XXXX ( XXXX? ) informed me that it appeared the rep I spoke to on XX/XX/XXXX processed my payment and then for some reason cancelled the payment in error. The first rep did not mention this, nor did the rep I spoke to on XX/XX/XXXX. XXXX said she would submit a trouble ticket to have this issue addressed. 

I am involving CFPB in the matter because Lending Club has not followed up with me and has not been forthcoming with the fact that the rep who processed my payment cancelled the transaction in error, and this error caused my credit score to drop significantly. I do not have faith that Lending Club will rectify this with credit bureaus of their own volition in a timely manner.
Consumer complaint received 2019-04-09
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: Experian Information Solutions Inc. (CA)

Upon disputing this record, EXPERIAN failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance.
Consumer complaint received 2019-05-24
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: CAPITAL ONE FINANCIAL CORPORATION ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX.XXXX 1. Capital One Bank Usa XX/XX/XXXX 1. CAP ONE NA XX/XX/XXXXXX/XX/XXXX, XX/XX/2017XX/XX/2017
Consumer complaint received 2017-05-25
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUSTMARK CORPORATION (MS)

Dates and Amounts :  XXXX /2017- $  XXXX   XXXX /2017- {$100.00} -   XXXX  /2017-  XXXX  and  XXXX / XXXX / 2017  - {$50.00}. I called and went by the bank on  XXXX / XXXX / 2017  to inquire about the amount that has been taking out of my account ; and was told to come back on  XXXX / XXXX / 2017  to be able to see the image on the check. At that time I was not aware of the other amounts that have been debited from my account without my authorization. looking at other dates I found others dates and amounts unauthorized.  XXXX / XXXX /   2017  is when I was presented with the printout of other amounts that was taken out of my account.   I was also told close the account and open a ne w one and  I did.
Consumer complaint received 2023-08-13
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. (NY)

I am writing to dispute the following information on my credit report, i recntly Received a copy of my credit report, and i found the following unauthorized credit inquiries made by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquires were made without my authorization and without legitimate business purpose. Please remove these unconfirmed lacking certifiable evidence unless physically certifies and verified proof is demonstrated and provided per U.S Code 15 U.S.C 1681 section 604 of The Fair Credit Reporting Act