davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

XX/XX/2018 - Called Citi prior to making a large furniture purchase to confirm that the purchase would qualify for the 5 % cash back promotion. Was told that " absolutely '' it would. 

XX/XX/2018 - Made a credit card purchase with XXXX XXXX using Citi credit card XX/XX/2018 - Called Citi about not getting points. Call escalated to a supervisor who indicated the purchase should have qualified and would be corrected on my next statement. 

XX/XX/2018 - Received a letter from Citi saying the due to the merchant code, the purchase did not qualify. 

XX/XX/2018 - Submitted a letter to Citi from XXXX XXXX indicating that the purchase was indeed a home furnishing purchase and should qualify. Was told by a Citi representative ( XXXX ) that the issue had again been escalated to a supervisor and the missing {$240.00} would be on my next statement. 

XX/XX/2018 - {$240.00} credit did not show up on statement. Called Citi again and filed this report.
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

unable to open a bank account. because other banks put a block on my name so it make hard for me to obtain a another account in my name. Especially BOA say I'm blocked for life not sure what that is. I haven't done any thing wrong is not fair these bank are blocking me for no reason. thank you very much.
Consumer complaint received 2020-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a late payment notice on my credit history report for paying XXXX XXXX a day late and would like that removed because I tried to pay a day prior and their site was running slow. The payment XXXX sent to collection isnt fair because the hospital that charged me didnt ask for my insurance. XXXX card is charging me for money they already had!
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I contacted XXXX in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact XXXX to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following Minday. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.
Consumer complaint received 2018-08-21
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. (MN)

I contacted XXXX in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact XXXX to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following Minday. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.
Consumer complaint received 2023-03-17
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. (OH)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I am a XXXX  XXXX as well as a XXXX XXXX. As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am paid through the Management company or bank for my services. During the last week of XXXX XXXX XXXX of XX/XX/2023 I completed 13 Court ordered evictions for Open Door Property Management. The last ( 2 ) checks I mobile Deposited were check # XXXX and check # XXXX both in the amount of $ XXXX # XXXX was cashed however check # XXXX was and still is being held and XXXX told my account has been closed. I contacted the owner of the bank both checks were written on and he was going to reissue the check however Huntington had already taken the funds from his account. I have been to the branch several times and was told that the check # XXXX is altered. On XXXX i went into the branch and took both checks and the stubs and verified the check in fact had not been altered. The banker scanned and emailed them to the Hold Desk. My Attorney XXXX XXXX has attempted to call and explain he has been retained, and was not contacted back. I was called by the branch and told that they wont talk to my attorney because he is not on my account. I was told that I would have to file a Power Of Attorney in order for him to repersent me. I am attatching the copies the banker sent to the Hold Desk. i explained that life still goes on and I need my money as I have bills and kids.
Consumer complaint received 2020-02-02
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: CITIBANK, N.A. (GA)

I made mistake ordering on computer with credit card from 2 different companies which I was charged on XX/XX/XXXX and XX/XX/XXXX and I paid for these XXXX. Then I noticed on my credit card account I was being charged only the amount I could see but could not log in and had not been able to for over a year to get more information. I called but they could not locate my number as they stated but I could call automated and receive all transactions. Even thou I had cancelled on both and had cancelation numbers I was being billed. I then started writing Citi bank dispute center on the XXXX of XXXX and continued to write thru out XXXX I continued to get more statements of purchases that I did not make and of this week and last week I continue to receive. I leave in mailbox and write refuse as always. With ciibank I get a dispute letter stating that I had a dispute of XXXX and with each of my past letters I stated that was the only purchase I made in person and have paid for ... .NONE OF THE OTHERS DID I CONSENT TO!!!! they talked as if on XX/XX/XXXX ( XXXX and XX/XX/XXXX ( XXXX ) credit dispute adjustment in process but charges that I have logged is also XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) totaling XXXX for XXXX # XXXX I have not received XXXX 's statement so more charges could be tagged on. They did agree to close the card and I appreciate that because I have not used the card except for Downtown in XXXX, ga and I paid that amount! I did not give permission for any of those charges. Please help me get my balance of XXXX again. I pay this card each month when I used it in full until these problems started. Its not fair to ask me to pay for merchandise I do not have or ordered. Have a great week! my case number is XXXX citiibank, n.a.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (TX)

Honda finances company repossed my 2 new car 5 years ago, i got those two cars after trading my XXXX XXXX XXXX XX/XX/XXXX XXXX milage.payed XXXX XXXX dollar down payment.made payments for three year untill i defoulted late payments due to husband XXXX i had XXXX XXXX, i was still working and paying them, one day they called me at work for late payment due to nature of my work i could not carry converstaion with honda corporate office worker he said since they can not communicate with me they are going to repossed my cars i told them i did on line bank payment they should get it by tomorrow.next day they took both cars away and auctioned them in market for cheap price, and told me to pay them XXXX dollar more to them.ever since that day i have been called and harrassed by their company, they call me from different phone numbers and harrases me to pay them.plus doing negative reporting to my credit .i dont know what to do any more ...
Consumer complaint received 2020-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

MY USAA ACCOUNT WAS CLOSED ON XXXX, XXXX 2020. 

MY FUNDS IN THE ACCOUNT AT THE TIME WERE CLOSE TO {$2000.00} I HAD AN INCOMING DEPOSIT ENTER THAT SAID ''CLOSED '' ACCOUNT ON THE XXXX OF THAT MONTH/END OF XXXX IN THE AMOUNT OF {$3500.00} ... THEY ARE THEY ARE REFUSING TO REISSUE THE FUNDS BACK TO ME VIA CHECK ... 

USAA STATES THAT THIS PROCESS COULD TAKE SEVERAL MONTHS ... 

PLEASE HELP AS AM DUE BACK A LARGE AMOUNT OF MONEY THAT MY FAMILY AND I DESPERATELY NEED RIGHT NOW AS USAA ENJOYS THESE DIVIDENDS
Consumer complaint received 2023-03-17
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. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inquiries and accounts that I do not recognize or have reason to believe might be fraudulent. I would like to request that these items be investigated and removed from my credit report immediately. 

Firstly, I do not recall authorizing the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX on XX/XX/XXXX. Since these inquiries might be fraudulent, I am requesting their immediate removal from my credit report. 

Secondly, I can not recognize the account from XXXX XXXX XXXX ( account number : XXXX ) and would like to request that this account be deleted from my credit report. 

Finally, I have concerns about the legitimacy of the accounts from XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXXXXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), and XXXX XXXX XXXX ( account number : XXXX ). Either clarify the information related to these accounts or delete them from my credit report immediately. 

I believe that these negative items are impacting my credit score and ability to obtain credit in the future. I am committed to improving my credit score and being responsible with my finances, and I believe that removing these negative items will help me achieve this goal.

Thank you for your time and consideration in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CO)

I have mortgage with US Bank. It is a 15 year mortgage taken out in XXXX. There have been no late payments on the loan over the term. the complaint is due to an insurance error by the bank in mortgage escrow. My homeowners insurance that is escrowed increased significantly so I found a new more competitive insurance policy. 
US Bank made the payment to the old insurer in XX/XX/XXXX. I informed US bank of the change and the payment was returned to me by the insurance company. I made a payment back to escrow to reimburse since a new insurance payment was going to be made. 
US Bank admits the returned escrow payment was made but for an unknown reason, the payment was never recorded. This caused a shortfall in the escrow amount. I disputed the recalculated escrow amount due to US bank errors from XX/XX/XXXX to current. 
My mortgage payment is an auto pay from another bank and payments have been made each month but not to the erroneous amount that US Bank claims. As a result, US Bank has continued to not apply my payment and each month holds it in " suspense '' and charged late fees and I believe has reported as late to credit reporting bureau.. 
I have tried to work with US Bank on this and have escalated to their management to no success. 
I have continually told US Bank I will continue making my old payment amount of approx {$3600.00} each month until I receive a correct escrow statement. I finally received what I think is a correct escrow statement and made a catch up payment of approx {$250.00} in XXXX and changed my auto pay to the new escrow amount. 
It is now XX/XX/XXXX and my latest payment made on XX/XX/XXXX is still showing in suspense and is reported as late. 
I wish to complain formally about US Bank and it's practice of mischarging and misreporting to my account.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Credit agency is reporting thw wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) is wrong. 

They are also reporting a fraud account on my report from XXXX Correct my address and remove the fraudulent address from my reports. 
Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX   XXXX # XXXX This is not my account. 

My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Credit agency is reporting thw wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) is wrong. 

They are also reporting a fraud account on my report from XXXX Correct my address and remove the fraudulent address from my reports. 
Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX   XXXX # XXXX This is not my account. 

My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had fraudulent activity on my checking account this past summer ( XX/XX/XXXX ). I INSTANTLY called Huntington Bank and headed to the branch to let my bank know about the fraud. A person claiming to be a loan provider scammed me by putting money in my account ( which they took back out because the check was fraudulent ). After going to Huntington Bank and explaining the situation to them, I went and filed a police report at the XXXX police station in XXXX county, Oh. I took a copy of the police report to Huntington Bank personal banker. I was told their fraud department would take care of the fraudulent activity. Then about 2 weeks later I was told by Huntington Bank that I was responsible for the {$850.00} in fraudulent activity even though I was the victim of this fraudulent crime. To this day ( XX/XX/XXXX ) I receive at least 3 phone calls a day from Huntington Bank telling me I owe that money. How in the world can I get Huntington Bank to list the unauthorized use of my account and get Huntington to STOP calling me 3 times a day?????? It's been 6 months since the fraud happened. Everyday for 6 months, Huntington calls me 3 times a day. Also, how do I get the fraudulent activity resolved???
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (IL)

Phone number XXXX ( XXXX XXXX XXXX ) made following calls even though my number is registered in the 'do not call ' registry since XX/XX/XXXX. 3 of the 4 were robo calls and on one, a person asked to speak to XXXX. I informed the person that there was no XXXX. The robo calls started leaving voice messages stating that they had information related to 'my case '. I called the number and asked for them to remove the number from their list. They refused because I would not give them my name. 

Date Time Destination Number Call type Minutes XX/XX/XXXX XXXXXXXX XXXX XXXX 2 XX/XX/XXXX XXXX XXXX XXXX 1 XX/XX/XXXX XXXX XXXX  XXXX 1 XX/XX/XXXX XXXX XXXX INCOMING XXXX Off Peak 1
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I received a letter from Equifax stating that i requested an initial fraud alert on my credit file. I never did no such thing. Tried to get in touch with Equifax & its impossible to talk to someone. They say this fraud alert will stay on my file for 90 days & they notified XXXX  & XXXX also. I never requested this & i want it removed immediately. Please help
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

OnXX/XX/2020 Shellpoint Mortgage Company made another withdrawal from my escrow account in the amount of $ XXXX. for insurance premium. 
Prior to XX/XX/2020 Shellpoint Mortgage Company had refunded $ XXXX for insurance premium refund.
Consumer complaint received 2020-02-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (FL)

for XXXX after working 30 year 's. 
I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. 
Thanking you in advance. 
XXXX XXXX XXXX PS I'm attaching copies
Consumer complaint received 2018-08-21
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: Experian Information Solutions Inc. (TX)

On XX/XX/2018 Experian reported my account as enrolled on a consumer credit counseling service. That action prevented my 19-year-old bank, XXXX XXXXXXXX XXXX from extending a loan for a new vehicle. XXXX XXXX  XXXX had 3 of  my homes, my auto and has never being paid late, by denying my application without even considering my credit record, current income and impeccable history with them, they are discriminating against me under the FCRA act. 

There is no difference between a person like me that negotiated a re-payment plan with a few credit cards and never defaulted and a person that either has horrible credit or bankrupt. That is unfair to me and any other party that has kept their re-payment agreement as negotiated several years back. 
We are suffering the same faith as a bankrupt person. There is no incentive on us trying to protect our credit, we still get XXXX XXXX. 

I did not cost any of the credit cards income or default on their books. I just negotiated a better rate that they do offer to other clients. This is not fair under the terms of the FCRA. 

Please advise of ways to correct this. 

Sincerely XXXX XXXX XXXX Member of the XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-05-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc (AR)

Collection Bureau of FWB XXXX XXXX XXXX. 
XXXX XXXX All three of these companies have threatened legal action against me for services rendered for medical treatment. These companies had said that they will ruin my credit rating by notifying all credit bureaus of amounts due. 
I am on Medicaid and a fixed income and not able to pay any amount over what Medicaid pays for my medical treatment of XXXX and other major health problems