davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (CA)

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 reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/13 Balance : {$0.00}. Please remove this fraudulent account ASAP.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This account was fraudulently opened in my name. When I discovered it, I immediately reported it to the bank and was sent a fraud claim. I was sent a form and sent the form to the bank via email on XX/XX/ provided by their customer service number listed on the claim form. I submitted a complaint after one month with no response and again sent the documentation on XX/XX/ after someone from the bank contacted me to claim they did not receive it. It is now two weeks after submitting the documentation and 2 months after submitting the first time and I still have not received acknowledgement of receipt of information from the bank. They have also sent a letter threatening to impact my credit score because of their inaction.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (UT)

We lived in an apartment in XXXX  XXXX named " XXXX XXXX XXXX '', for 2 years, from XX/XX/XXXX to XX/XX/XXXX. Upon moving out in XX/XX/XXXX, they stated we would be liable for repairs in the apartment, which we disagreed with. There was a small paint stain in the carpet a single bedroom, and they stated they would be replacing the carpet in the ENTIRE apartment as a result, which resulted in a charge of XXXX, which they informed me of over the phone after we had moved out. We told them we did not agree with this, that they were trying to basically scam us into paying for renovations on the apartment that were not our responsibility. 

After that single phone call, we received no further phone calls or letters in the mail for 3 YEARS. No attempt to collect the {$1600.00} was EVER made. Now, in XX/XX/XXXX we noticed on our credit report we had been sent to collection for the {$1600.00}, collections agency " RENTDEBT AUTOMATED COL ''. We have attempted to dispute this with the both the collections agency, who states that we are the ones that must provide proof we are not liable, but there is no proof we can provide. We are being charged for something that is not our responsibility. Further more, the statute of limitations in Idaho for property damage is 3 years. 

To reiterate everything : We lived in this apartment 3 years and 4 months ago, and no attempt to collect this was EVER made aside from a single phone call from the apartment complex, and it was sent to collections in XX/XX/XXXX, a few month after the statute of limitations for property damage in Idaho, which is 3 years.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ND)

I met a woman on XXXX. We began to talk for a while. She then started telling me she was making money in XXXX. It took her a while but then I made a small investment. I made money. I then made a larger investment. Made more money. I then made a very large investment. The total investment is XXXX. Her back story was that she is from XXXX. Her sister married a man in a town south of where I live. Her sister talked to her moving here. She said her uncle was a retired XXXX XXXX. And was in XXXX. He had a team that was figuring out the math to invest in the market. At the end of XXXX, she and her sister went to XXXX XXXX  where her uncle lives. This was supposed to be for his birthday and retirement party. She was supposed to be here at the beginning of XXXX. We had plans to live together. She wanted to stay till the end of XXXX and learn more from this investment team. We continue to trade during this time making a supposed lot of money. At the end of XXXX she said her mother was in the hospital. The mother wasn't going to make Live. She and her sister went home to XXXX. At this time is when the trading ended. She said let 's take the money out of the market and pay off the lone I had. And pay back my IRA. I did the withdrawal. The next morning, she message me and asked me to check to see if my Withdrawal went through. That hurts had been Denied. I looked in minded been denied. I asked the customer service for the market why it had been denied. They said the taxes need to be paid up front. This made me suspicious. I started asking questions an accountant at an online trading company. They both said this was wrong. I should be able to pay my taxes out of my account. I have not been able to recover any of my money.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (GA)

I bought a car from US AUTO SALES had to replace head gasket twice then replaced motor. I had a warranty but they didn't pay. Then they added insurance to my payoff {$100.00} a month when I had my own coverage sent in proof and they didn't give me credit. When they went out of business. The new company added {$1800.00} to my payoff. Making me owe more than my payoff. Everytime I explain to westlake financial they never respond. They just want my payment. Which is {$1800.00} more. I sent them letter that US AUTO sent me stating a credit. They still say I owe that much more. My car should be paid off in XX/XX/2024. But they will never call me back to discuss this situation
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PINNACLE FINANCIAL PARTNERS, INC. (TN)

I applied for conventional loan with pinnacle bank they closed the rate at 4.375 on XX/XX/XXXX, and I  provided them with all paperwork till before closing date with 5 days before it was on XX/XX/XXXX they told me there is something changed when I met them they told me new rules will control your loan ( XXXX ) they said you will be refused from the conventional loan by the underwriter but we can give you in-house loan with rate 5 after buying another point.so I bought a point and the rate is 5 I had to do that because they twisted my arm and put me in a corner I am losing much money after the change the deal.the price of the house XXXX I paid 20 % percent my native language is XXXX, my closing date was on XX/XX/XXXX I have all paperwork to a proof my complaint. Thanks My phone number XXXX
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

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 XXXXXXXX
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I've had a credit card with Fifth Third for at least 2 or 3 years. I recently received a letter that my credit limit was decreased and the reason was very vague I've never been late on any credit card or ever had any credit card out of 10 different credit card companies to decrease my credit limit for no apparent reason. After speaking to Fifth Third it is my understanding that my credit limit was decreased because my credit score drop 7 points due to the fact that I opened up a new credit card account with XXXX 's XXXX XXXX. This is not acceptable. XXXX, XXXX, XXXX XXXX  XXXX, XXXX and XXXX XXXX have never decrease my credit limit
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC (CA)

On XX/XX/2019 I was referred by XXXX XXXX Court House to contact G.C. Services to pay a ticket/violation ( ticket # XXXX ) that was outstanding to renew and release my California Drivers License. I contacted G.C Services same day XX/XX/2019 provided them the XXXX XXXX Court House information and the ticket number. I also pointed out to G.C. Services that the payment process and turn time was essential for my new employment ( identification, fingerprinting, I-9, etc. ) at that point the Agent brought in a Manger who indicated they would definitely process and notify DMV within 3-business days. 

To date XX/XX/2019 G.C. Services has not notified XXXX XXXX Court House that I have paid the ticket and therefore DMV has not been notified to release my drivers license. The employer I was to began work on XX/XX/2019 pending the completion of my identification, fingerprint, and I-9, has given me a deadline to provide this information. 

I have called G.C. Services over 15 times in the past 2-weeks and they have failed to respond or provide the XXXX XXXX Court with the documentation required by DMV. 

On XX/XX/2019 I called G.C. Services to file a complaint with their management. At that time G.C. Services Agent indicated that they made a mistake and applied my payment of {$260.00} to the wrong account. The Agent also told me I must wait until sr. management review my account. This is unacceptable! this has caused and impacted my employment and creating significant financial hardship. 

I have attached the document ( s ) provided to me by XXXX XXXX Court House to provide to G.C. Services that identifies the XXXX XXXX court and the Ticket # of the citation for me to pay. This information I provided to G.C. Services verbatim.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I was chatting with Citibank on XX/XX/2019 at XXXX when the chat first started. I was asking a simply question about my minimum that was due and why it was so high. I was trying to see if it was possible to get it lowered. I have never been late on payment or never NOT made a payment. I have never been charged so high as of recent and was trying to figure out what could I do to get it lowered. They kept telling me the standard information. Which I understand, I was possibly trying to get it lowered because I am a loyal customer over 12 years. I was forwarded over 3 times to different people that told me the exact same thing. One representative was rude, name XXXX ID # XXXX. Not sure if the ID number is correct because they were hesitant to give me his information. He was very rude and disrespectful and just told me to pay the bill as if I don't pay my Credit Card bill at all or on time. To simply this matter I was just wondering what could have been done differently. The actions was letting me pay {$150.00} this month and a {$10.00} credit. Its cool and all but that's still not answering my questions or concerns.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

An account was fraudulently opened in my name. I contacted BoA to tell them that it was fraudulently opened and to close the account. They send me a fraud claim and I submit all the documentation requested. They don't respond so I open a complaint with the CFPB and they ask me to send the documentation again. I do and XXXX weeks later not only have they not resolved the situation, because the fraudulent account is overdrawn they are threatening to impact my credit and make me liable for the overdrawn balance. This bank is a complete joke and it's no surprise to read the recent bad press. I have read about how XXXX XXXX wasn't doing their due diligence and opening fraud accounts without the proper checks and my guess would be the same thing is happening at BoA. This has been a complete disaster and I have gotten XXXX assistance.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (DE)

Several years ago, as I understood it, XXXX 's transferred their credit card processing to XXXX XXXX and subsequently to XXXX   XXXX XXXX XXXX  for actual charge and payment processing. For this I have had no problem. However, I recently became aware of another account created for my wife which was a XXXX 's Account. We were not aware of this separate account since the only credit cards we have are the XXXX XXXX XXXX XXXX card. For this separate XXXX 's account we are now being charged fees and overdue charges and also receiving bad credit reports to Transunion.
Consumer complaint received 2019-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (TN)

This company sent me a live check for a loan which was a huge mistake for me to deposit but I was desperate & without work at the time. After the check processed I tried to set up an account online but was unable to & had no correspondence from this company or even a notification of when my due date would be even though the agreement said they would contact me to let me know of my due date & payment due. I did not hear from them until today, I missed a call from them. When I returned the call I spoke to XXXX & she told me my first payment was a day late. I told her I would have the payment & the late fee in a week. She became irate & demanded to know why I could not make payment today & persistently badgered me about how I needed to find a way to make a payment today. She then told me that if I did not bring payment today they would come to my workplace tomorrow & try to collect payment there & if I did not have it then they would have me arrested. They are predatory, berated me & harassed/threatened me. I will continue making payments as soon as next week & the loan will be paid off in full in XXXX but after that I will be contacting a lawyer about their treatment of customers.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I have a US Bank Platinum Visa card. My due date is the XXXX of the month. On XX/XX/XXXX I was charged a {$27.00} late fee despite the fact that my payment posted on XX/XX/XXXX. I contacted US Bank via telephone regarding the late fee and on XX/XX/XXXX my account was credited. 

On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged another late fee, this time it was {$38.00}. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. On XX/XX/XXXX my payment posted and on XX/XX/XXXX I was charged a {$38.00} late fee. 

I contacted a US Bank representative via telephone on XX/XX/XXXX and was told that a supervisor would give me a call within 24 hours. I never received a call back. The {$38.00} late fee that I was charged for XX/XX/XXXX was credited back to my account but not the late fees for XX/XX/XXXX ( {$38.00} ), XX/XX/XXXX ( {$38.00} ), and XX/XX/XXXX ( {$38.00} ). 

Is this legal? I would like these unjust fees to be credited back to my account.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC (SC)

This debt does not belong to me. I have attempted to resolve this with 1st Access. This is ridiculous. The account is reporting late payments for XX/XX/2023, yet it is also reporting that the account was closed. 

This is an indication of my personal information being mishandled. 

I demand proof that this account belongs to me. I am requesting a written and signed contract with my signature. If not provided, this account must be removed from my credit file immediately.
Consumer complaint received 2020-09-25
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. (AZ)

The XXXX XXXX account showing up on my report for {$90.00} is incorrect. Ive never had service with this company. I disputed with both bureaus but it came back as verified. This account is negatively affecting my credit.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (WA)

I mailed a check to PHH mortgage XXXX XXXX XXXX XXXX, IL XXXX on XX/XX/19 for {$4600.00} to pay off my loan # XXXX. They posted a payment on XX/XX/19 to a suspense account. I have no idea why. They sent me a letter on XXXX saying my money was put in suspense account because it wasn't enough to cover my monthy payment of {$730.00}. Today I received a letter saying my balance was {$4300.00} and I am 2 months behind on my payment. Not sure what kind of a scam they are pulling. I have tried to call them several times - never got through to speak to anyone - gave up after an hour on hold several times. I have faxed them I have sent them a letter to two different address '. Can not get any kind of a response other than a letter saying I am past due HELP PLEASE!!
Consumer complaint received 2019-06-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc. (MD)

A notice of cease and desist, as well as a reuest for proof of contract was sent to Aspen National Collections on XX/XX/2019. However, they refuse to respond. Instead harassing and contacting me everyday, a couple times of day since thr date listed on the notification letter, XX/XX/2019.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MI)

The loan to value on my mortgage is less than 75 % and LoanCare has refused to remove PMI. I called Loancare on XXXX to request removal of PMI. On XX/XX/19, I received a letter dated XX/XX/19 from Loancare stating the request was denied. I called Loancare on XX/XX/19 and it is clear that they are calculating the LTV incorrectly.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. While I am understandably frustrated by this situation, I understand that errors can occur unintentionally. I trust that you will take the necessary actions to promptly correct this issue. I maintain detailed records of my payment history across all accounts, and it is inconceivable to me that there would be any instances of late payments reflected in these records. 

These incorrect late payment entries are negatively impacting my ability to obtain the credit I need, as they are significantly lowering my credit score. I have consulted with professionals who have confirmed that there are legal protections in place to prevent the dissemination of inaccurate credit information. 

I take this matter very seriously, and I kindly request the swift removal of the late payment designations from my account. 

Thank you for your attention to this matter. I eagerly await your prompt resolution.