davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

XX/XX/2018 I opened checking & savings accounts under a {$400.00} new account bonus offer and then transferred the required funds in ( see Bonus Screen attachment ) XX/XX/2018 I started an online chat with CitiBank to ask about the bonus and was told the bonus would be applied by " XX/XX/2018 '' ( see Chat attachment ) XX/XX/2018 I  called to ask about it and was told a " promotion dispute '' Reference # XXXX would be opened and I'd hear something within 10 days. 
XX/XX/2018 Still no bonus so I called again and asked for a supervisor. I was transferred to XXXX who said he would escalate the issue. 
XX/XX/2018 No updates from CitiBank or bonus paid so I called again and asked for a supervisor. XXXX picked up on the supervisor line, told me there was nothing saying when the bonus would be paid and that the bonus team did not answer when he tried to contact them. I told him I would be filing a CFPB complaint so asked if he would put a note in the file so they can prepare a response.
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (FL)

A debt was added to my credit reports BEFORE I was notified of the debt in writing and the opportunity to dispute. The debt stems from student housing for my daughter. She never received the keys or took possession of the unit. We attempted to resolve this with the apartment complex but was unable to. I was not made aware the debt had been handed over to a collection agency until it showed up on my credit report. I tried disputing it with the credit bureaus bureaus but ProCollect continues to validate the debt even though I was not made aware nor was my daughter. I am asking again for them to remove the debt from my credit report and my daughters credit report. Her name is XXXX XXXX. We are supposed to have an opportunity to dispute the validity of the debt before it is added to our credit report.
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I made application for a personal loan with Navy Federal Credit Union. Navy Federal Credit Union denied a loan that was essential to the Consumer. They took the funds under cozenage. I would like to invoke my arbitration right against Navy Federal Credit Union. They have conspired against me with the use of deception which serves as a breach of trust and identity theft.

Upon acceptance of the Consumers Source Data that created the securities and interest with Navy Federal Credit Union, dividends were to be electronically transferred back to the Consumers Estate. The investment that was made by the Consumers Source Data with Navy Federal Credit Union were hidden clandestinely from the Consumer and stored in a retirement fund for insurance by Navy Federal Credit Union.

I want to see where the funds were deposited. The Consumer Signature is valued at XXXX USD as required by Navy Federal Credit Union. 
According to 15 USC 1681a ( k ) ( 1 ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

Unverified information reporting incorrectly {$1000.00} for inaccurate report of miss information on my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2022-07-08
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX OTHER 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 604 A section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.
Consumer complaint received 2018-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (IA)

I have had multiple issues, most notably with maintaining my loan deferment status. After calling and speaking to two different representatives I was told that I needed to submit the deferment loan forms every semester of my XXXX program. There are a few problems with this. First, the only option is to mail paper documents, which is inconvenient to do nine times ( my program is 3 years long ) and also elongates the process for obtaining deferment approval, without immediate confirmation. In addition to filling out several forms that includes my social security number, my advisor is required to fill out this paperwork as well ( nine times ) and include my class schedule and a stamp from the university that I am still enrolled. After speaking with my advisor, he is dumbfounded as to why this excessive paperwork is required because the loan company checks in touch with the school each semester anyways. He has never heard of such a requirement. My other loan company, XXXX, only required me to submit these documents a single time and even covers my deferment period months past my graduation date. The words I used when speaking to the representatives at heartland were, " I feel like you are setting me up to miss a payment ''. I am currently a full time CRNA student and we do not have any breaks, so there is no reason for me to have to refill out this paperwork. I am busy with 80 work weeks without any income and I am worried about my credit score. They are horribly hard to get ahold of and speak to on the phone to begin with. As a result, I have begun the process of consolidating my loans.
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

AmeriHome Mortgage ( who assumed our original loan ) at the beginning of XX/XX/XXXX has breached their fiduciary duty to us by not protecting our personal financial information and causing us to be defrauded of {$2500.00} at the time of this complaint ( XX/XX/XXXX ) and exposing us to unknown future repercussions of identity theft. 

On XX/XX/XXXX we were notified by our bank, XXXX XXXX, of fraudulent charges within a savings account we use for college for our children. There were multiple ACH direct debit transactions totaling {$2500.00}. There are no checks or debits cards related to this account, so we were perplexed as to how someone gained access to it as they would need very sensitive information such as SSN and DOB. 

Upon review of the charges, the name XXXX XXXX ( AKA XXXX XXXX, DOB XXXX ), is listed multiple times on our statement for these fraudulent charges. A quick search returned this name to AmeriHome, which is our mortgage company ( our loan was sold to them in the last 8 weeks ). From her own XXXX   Profile, XXXX XXXX lists herself as a Loan Review Specialist at AmeriHome XX/XX/XXXX to the present and she obviously had access to our data. 

The following are the fraudulent transactions to date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { The charge to XXXX XXXX paid for rent, and it leads to an XXXX complex with an address associated with XXXX XXXX in XXXX, TX -- XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX at XXXX XXXX }. 

XX/XX/XXXX -1 * XXXX XXXX Ch XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXXL XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX MOBILE PMT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX { the XXXX and XXXX were test deposits from XXXX that she initiated to link OUR bank account to HER XXXX account, in an effort to defraud us. In order to do this, she has illegally gained access into our bank account. } In essence, we trusted our mortgage company, AmeriHome with our confidential personal information and they have breached their fiduciary duty to us by allowing this fraud to occur. Whether it by sloppy hiring practices or improper computer encryptions for sensitive data, our SSN and all our personal information has been compromised indefinitely and the longstanding repercussion of this identity fraud is unknown. Every online review of this company leads me to believe their unscrupulous practices should be looked into carefully. We can not and will not do business with such a company and will be retaining a lawyer if we can not get swift and proper remediation. 

AmeriHome was negligent in protecting us, their customer. We are so discouraged that the one place that was supposed to protect our information ended up being the same place it became compromised.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (NY)

In accordance with the Fair Reporting Act XXXX XXXX  account number XXXX XXXX XXXXXXXX account number 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-27
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. (NY)

In accordance with the Fair Reporting Act XXXX XXXXXXXX account number XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WV)

I have been receiving a monthly security card fee on my Amazon that I have no recollection of signing up for. I just so happened to check my account and there it was. I had spoken to the company who were more than willing to cancel said fees but would not help me at all on the return of said monies. According to the gentleman I spoke to on the phone, I purchased this so called card security on XX/XX/XXXX but didn't start getting charged this fee till XX/XX/XXXX. It appears to me that this fee popped up out of no where.
Consumer complaint received 2022-07-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (NJ)

This debt recovery agency has sent a medical bill balance of {$220.00} to the credit bureau and this has impacted my credit score negatively. my credit went from XXXX down to XXXX this is terrible, and Im in the process of purchasing a home. This so sad.
Consumer complaint received 2018-11-26
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. (NY)

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (FL)

I paid off a XXXX credit card balance with Continental Finace. Then on XX/XX/XXXX, I noticed a {$96.00} fee. I called them on XX/XX/XXXX and paid it in full again and told them to close the account. Then, when I got my statement, I realized that the charge was for an annual fee beginning after I closed the account for the following year. I called and spoke to a rep on XX/XX/XXXX and he said it was a mistake for them to take the payment from me and it was already in the works to be processed back to me. I then called on XX/XX/XXXX to follow and the rep told me that she was very sorry it hadn't been taken care of and that a refund would be issued to my account within 72 hours. When that didn't happen, I called again and they said they didn't know why anyone would tell me that and that it takes 30 days to process and refund and I should have it no later than XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything from them.
Consumer complaint received 2016-10-01
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Blackhawk Network Holdings Inc. (VA)

I recently received a refillable prepaid XXXX card in the amount of {$25.00} as a gift from work. After 10 days I was billed {$5.00} as " monthly management fee ''. My complaint is, how can a credit card company charge such high fees just for providing the card? On a {$25.00} card that 's like 100 % interest per year ( maybe more )! This is on top of the fee that they charge the company where you use the card ( usually 2 percent I think ), and the fee charged when you purchase the card ( usually around XXXX dollars ). How can the government allow such usury rates to be charged by creditors?
Consumer complaint received 2018-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

As of today, XX/XX/XXXX I recently received an update from XXXX XXXX in regards to two new hard inquiries showing on my report from someone attempting to open an acct at XXXX as well as Capital One that I did not appprove on XX/XX/2018. I have contacted the companies and was provided with this website to follow through with the dispute. Im unsure of who the person was since my wallet has been lost/stolen since early XX/XX/2018.
Consumer complaint received 2018-11-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery states account is mine, they have an address on the letter the responded to my complaint being in XXXX Florida. I have never lived in XXXX Florida, and the account they are reporting from XXXX XXXX shows their documentation is addressed to my home address in Arizona. 
the so called proof of debt does not have my social security number on it, yet they have included it in their response to my complaint in XX/XX/XXXX. 
All they sent me were old statements from XXXX addressed to XXXX XXXX in Arizona, not XXXX Florida which has never been my address, and no identifying information that this is truly my account. 
I would like to see evidence that XXXX XXXX supplied them with my Social Security Number as they are basing my identity and their proof of my id on a Social Security number that was not provided to them by XXXX  XXXX, I need a copy of documentation whereas the received my Social Security Number from the Original Creditor and not by submitting my name to the credit bureau and assuming it is my debt. Proper verification of me as being the debtor is required to be submitted to me, not some old invoice with an address they are not using to contact me. I repeat the attached letter shows they have XXXX FL. as my address, and how exactly do they have my SS #? send documentation of my SS # given to them by the Original Creditor, this account has not been properly verified as you can see from their letter subitted on the response to my complaint. this is not my debt!
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX  a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.
Consumer complaint received 2018-11-26
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. (TX)

I contacted all three credit bureaus ( XXXX, Equifax, and XXXX  ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX, 2 ) XXXXXXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX, 3 )  XXXX XXXX on XX/XX/XXXX, 4 ) XXXX XXXX on XX/XX/XXXX, and 5 ) XXXX XXXX   XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (FL)

On XX/XX/2018, my intent was to pay off my mortgage with PHH Mortgage. I could not wire funds as my bank was in New York State and I was told I had to come into the office in NY and I am in Florida. I decided to do an e-check for the principal balance, and a follow-up e-check for the remaining daily interest and {$10.00} recording fee. Both payments were put into a suspense account by PHH on XX/XX/XXXX and XX/XX/XXXX respectively. They told me they needed 10 business days because the funds were not certified. Payoff figures were for XX/XX/18. I was told by TWO customer service reps that my property taxes ( due XX/XX/XXXX to avoid paying additional tax ) would NOT be paid because of the payoff intent, and that the escrow was frozen. I didn't think this was appropriate as they were not going to post my payments until close to when the tax bill was due ( with discounts ). I waited until XX/XX/XXXX, and processed an e-check for {$7.00}, xxx.xx from my bank to XXXX County Tax Collector in Florida. Today, PHH states that they sent a bulk check on XX/XX/XXXX to XXXX County for the same amount to pay my taxes. PHH says if they were to request the funds back, it would take FOUR MONTHS for me to get my monies back. ( I still have about {$1900.00} left in escrow as well, which they tell me would take about 3 weeks to receive the refund ). I then called XXXX County, and they said they have not yet processed the bulk payment, and would probably do so either XX/XX/XXXX or XX/XX/XXXX. Even though I told them I already paid, and that my mortgage will be paid off today ( they are to apply the suspense payments today to full pay the account ), they refuse to send me the overpayment, and state that it must go back to the payer ( PHH ). XXXX County says it could take 4-6 weeks for the monies to be sent back to PHH. I don't think I should have to wait four months for my money. I am very upset about this.
Consumer complaint received 2018-11-26
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. (MO)

I sent Transunion a letter on XXXX, 2018 and a follow-up letter dated XX/XX/XXXX asking that Regular Inquiries on my credit report be removed and I also sent a letter on XX/XX/XXXX asking that three Public Records be removed. I attached a  letter from the U S Bankruptcy Court in Missouri, stating that they do not verify public record information with credit bureaus. Per a conversation with a Transunion supervisor on XX/XX/XXXX, he stated that my letters were invalid and would not send me their decision in writing. Please refer to File No. XXXX.