davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

On or about XX/XX/XXXX, our loan on a property at XXXX XXXX XXXX, XXXX, NC XXXX, was serviced by XXXX XXXX. XXXX XXXX merged with XXXX and began servicing the original loan number XXXX. 

First Citizens notified us : We will charge you for insurance we plan to buy from XX/XX/XXXX - XX/XX/XXXX, unless we can verify that you have Insurance coverage for XX/XX/XXXX - XX/XX/XXXX. The insurance we but : Will cost an estimated XXXX annually. 

My insurance agent from XXXX XXXX has sent verification of insurance on more than one occasion to First Citizens. 

Today XX/XX/XXXX, I spoke to XXXX a rep and then to XXXX, a manager. I explained that we do not escrow insurance and pay the insurance annually on XX/XX/XXXX, every year. I also explained that since there was no indication of non coverage from XX/XX/XXXX to XX/XX/XXXX, that the insurance was indeed paid ( XX/XX/XXXX to XX/XX/XXXX ). There was also no notification of cancelation of policy to the mortgage co. 

Both reps of First Citizens indicated that the original info must have been lost when the banks merged and that it was my responsibility to provide them with proof or I would be charged for a policy to cover the time period of XX/XX/XXXX to XX/XX/XXXX. 

I am not responsible for the gross incompetence of the bank, their staff and the failure of First Citizen 's to maintain records and feel that this action is an attempt by First Citizens to extort money from me. 

Incidentally First Citizens also services two other mortgage loans and a equity line of credit in the same city. I do not pay escrow on either of these loans, and the insurance on the other two properties are paid annually from XX/XX/XXXX to XX/XX/XXXX. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Cell XXXX H- XXXX
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

My rent check on my TD Bank checking account was fraudulently washed and personally cashed. The rent check is from XX/XX/2022. I filled out all the necessary paperwork with my bank and was supposed to get the funds put back in my account between 60-90 days. It has now been over 4 months. The amount was for {$1100.00} TD Bank XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Thank you
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022, I reported on my credit monitoring app that my XXXX XXXX Account increased by {$300.00}. 

On XX/XX/XXXX I called XXXX XXXX and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said XXXX XXXX and I reassured her that it did. 
I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually XXXX. 
Since XX/XX/XXXX, I have not heard back from XXXX XXXX or any subsidies on this matter. I called XXXX XXXX back. I was transferred to XXXX by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. 
The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. 
I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to XXXX XXXX XXXXXXXX because nothing is due. 
I was able to make the payment on XX/XX/XXXX and this lending note never was ever XXXX days behind. 
Upon discussion with XXXX at platinum on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. 
I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. 
Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. 
Yet it was reported to the Credit Reporting Bureaus that my balance increased by {$300.00}. This did lower my score with the credit bureaus also.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I left a business in XXXX of XXXX. There was a credit card account I had personally guaranteed. The business didn't pay it and Bank of America notified me. I paid it off completely on XX/XX/XXXX ( {$3900.00} ). I was then sent a statement of account with a negative balance of - {$2.00}. I phoned in and was told I was overcharged and would receive a refund check. After several failed attempts I finally got the refund check and deposited it. Then I received a statement with a positive balance of {$2.00}. I called in and was told it was an error and they would XX/XX/XXXX it out for me. They didn't. This happened again and again over several statements. I even got an apology letter dated XX/XX/XXXX saying their records show the deposit of the refund check. Then I got another statement today with a positive balance of {$4.00}. I need help to close this account since Bank of America can't fix this simple problem closing my account.
Consumer complaint received 2022-03-04
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-03-04
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-02-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

In XXXX 2020, I opened a checking and savings account which advertised to keep a minimum of {$50000.00} in the account for 60 days and I would receive {$700.00}. XXXX the {$700.00} wasn't there and I was told that after you keep the money in for 60 days, you have to wait 30 days in order for the {$700.00} would show up. I called back in XXXX because it had been another 30 days and the {$700.00} was not deposited. Then I was told to call back in XXXX if the money didn't show up. I called in XXXX and was told to call by the end of XXXX if the money didn't show up. I called the beginning of XXXX. I was told to talk to the manager in charge and was transferred. The manager stated that I had briefly opened the wrong account which was immediately closed. But since the account was approved, I wasn't entitled to the {$700.00}. This was after all the other phone calls had said that I did qualify but that I had to wait a certain period of time for the money to show up which didn't make sense to me. I had already waited the 60 days as advertised. It is now 6 months and the money isn't there. When I opened the account, the person was very kind on the phone and knew the wrong account was opened online. He made sure that the unused account was closed and he opened the correct one and promised I would receive {$700.00} at the end of 60 days and welcomed me to the bank. After all of this time, I could have banked with someone else had I known this would have happened. Now I have less than {$50000.00} and no {$700.00}.
Consumer complaint received 2020-06-05
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. (FL)

Back In year XXXX, I was the co signer for a loan for my ex son in law, Mr. XXXX XXXX. He started paying in good standing, then he stopped. 

I marked in your questionnaire it was with XXXX university but that was not real, i chose that because i need an option for continuing with this claim. Back in that time it was an institution call " '' XXXX '' based in XXXX, Florida. And the degree was to become a XXXX XXXX. My son in law, never finished the degree or pay for the loan, and then divorced from my daughter. Actually Mr. XXXX lives in XXXX XXXX Nevada. 

Many debt collectors acquired this loan, but it seems it was reopened back in XXXX and still into my credit report. Now, I am trying to refinance my home into and FHA loan and this situation is not allowing me to do that, avoiding me to lower my monthly rent payment. The mortgage banker provided me with your contact information.
Consumer complaint received 2022-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allegiance Accounting Services, LLC (NC)

Today I Got a message on my phone From XXXX XXXX stating I have a pending complaint scheduled for processing if they dont hear from me they will go to my work or come to my home she left the phone number XXXX extension XXXX. I called back XXXX XXXX ( the name of the company is XXXX debt collector ). She asked me to verify my information I told her since the phone came up as a scam I dont give out my information over the phone she then called me rude and said she will then send my file to the county for processing. She never told me any information about the debt or her company. She just hung up on me. A few minutes later I got a call from a man who said she sent the file to his office for processing. I asked if he was with allegiance he said he was in a different department. So I said then yes you are with Allegiance. I told him I called her to get info and she hung up and you dont get to call me back and harass me. He said it was a payday loan from mobley. I told him I dont owe and never heard of it he then blurted out the last 6 of my social sec number which I deniedand said I took it out and spent the money so I need to pay or they will garnish my wages. I told him to send the proof of the debt to my mailing address he said by Florida law he doesnt have to send anything I disputed that then he hung up on me. I called back the receptionist XXXX to get the mailing address so I can send a cease and desist letter she refused to give me the address but said the company name is Allegiance in XXXX XXXX phone number is XXXX.
Consumer complaint received 2022-03-04
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC (DE)

I contacted Carvana about possibly purchasing a XXXX XXXX through them. A consumer representative reached out from ( XXXX ) XXXX It was a legitimate call. I mentioned offhand that I would check through my financial provider XXXX XXXX  to see if I could get third party financing. The representative sent me an email at my request that included a list of financial institutions that I can not finance through. 

I began receiving phone calls the next day regarding fraud to my XXXX Account. XXXX does not reach out over phone to report fraud. 

I messaged Carvana and asked them to delete my account because in all likelihood, the representative reached out through an unencrypted phone line. I was told that they only have to fulfill the request if I am a California resident. What are my options for resolving this issue? All I want is for Carvana to delete my account. 

I take information security very seriously and do not want others impacted by my issue. I have never received fraud messages before this incident. I explained the steps I would be taking to Carvana. For some reason I can not retrieve the chat history of my complaint to them any longer. 

I filled my account with dummy information at this point but left my email XXXX as a point of contact so they could resolve my issue if they find a way. 

Thank you for your time.
Consumer complaint received 2018-05-13
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. (AR)

On XX/XX/XXXX18 I spoke with a representative at Equifax in the Fraud Department by the name of XXXX. I told XXXX XXXX had been a victim of identity theft and that there were two particular accounts I wanted to inquire about due to Equifax investigation being complete. The two accounts were XXXX XXXX  and XXXX XXXX which I was told the previous day that those accounts were validated from the creditor. I explained to XXXX that this was impossible, due the fact that XXXX XXXX whom is a 3rd party collector, is no longer in business, but yet somehow still appears on my Equifax credit Report. I explained to XXXX that neither Equifax or XXXX XXXX has been able to provide any original documentation or application containing my signature and that a Police Report including both of those accounts for fraud was filed and sent in to Equifax and already received. XXXX stated that EQUIFAX does not do any verification of any debts from the original creditors. I then explained to XXXX that under the Fair Credit Reporting Act section 611 ( 5 ) ( A ) states any item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item ( s ) of information from the file of the consumer, or modify that information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX then stated that should would be to mail me out their companies procedure for how they validate accounts. I explained to XXXX that was necessary because I am very familiar with the Fair Credit Reporting Act. In addition, Equifax has also refused to block these Fraudulent accounts from appearing on my credit report within the 4 days of receiving my request without notifying or explaining any reasonable determination which violates the Fair Credit Reporting Act section 605 ( B ).
Consumer complaint received 2018-05-13
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. (MA)

During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX  XXXX Experian XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
Consumer complaint received 2023-02-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-03-04
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: Affirm Holdings, Inc (IL)

I sent a Consumer Notice of Fact to AFFIRM INC in regards to a collection account showing on my credit report. I have tried disputing this with them to get it removed pursuant 15 USC 1681b ( a ) ( 2 ) but they have blatantly disregarded my concern stating they can not remove it per their company policy but also claim to be in compliance with the FCRA. There is no law that states AFFIRM INC is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give AFFIRM INC or its affiliates written permission to furnish a consumer report. AFFIRM INC has shared my information without my consent. This is a violation of 15 USC 1692c ( 3 ). It states, Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I will highlight that the above statement does say " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law ... ''. A debt collector may only communicate with a consumer reporting agency if otherwise permitted by law. The law that gives permission to communicate this information is 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Consumer complaint received 2018-05-13
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: EQUIFAX, INC. (MA)

During the month ofXX/XX/XXXX, I purchased a car though XXXX  XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Albert Corporation (IL)

Albert Cash card sent in postal mail to my name/address - I did not apply or ask for this. Issued by XXXX XXXX  Card has XXXX logo, chip, card number/cvv, etc. 

Card received in mail on XX/XX/2022. 

No information, no disclosures, not contact info, nothing... 
Never applied for or asked for. 

No response from issuing back or albert.com website contact. ( found via XXXX search - and numerous XXXX and other reports of fraud by this vendor. )