davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (MS)

I've sent disputes to XXXX, XXXX  and Equifax. Their not holding up to the law with the 30day demand to comply. I sent in disputes neither is responding to me, and getting back with me with my results of their investigation.
Consumer complaint received 2022-03-15
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: VW Credit, Inc (PA)

The VW CREDIT XXXX XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Icon Equities, LLC (NC)

ICON Equities sued me in the State of Alabama and received a Default Judgement. At the time of the filing and judgement, I was not notified nor was I living in the State of Alabama, I was living in North Carolina, where the statute of limitation on debt is 3 years. I contacted the Firm XXXX XXXX XXXX, XXXX representing ICON Equities on XXXX time XXXX Eastern  spoke with a XXXX XXXX who told me the case was closed due to me being in North Carolina the firm has my correct address. I contacted XXXX XXXX XXXX today on XXXX. The court explained to me that the judgement is still open. ICON Equities has not withdrawn the case.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

We received written correspondence on XX/XX/XXXX, via USPS from XXXX XXXX Tax Collector indicating that our property taxes had not been paid which were due to be paid by BSI Financial ( mortgage company ) from our escrow account on XX/XX/XXXX, and late charges and fees were/are accruing. 
XX/XX/XXXX, I telephoned BSI- explained the situation to XXXX who said he would forward it to their tax department. He also asked that I send by email the pertinent correspondence to XXXX XXXX XXXX which I immediately did. 
XX/XX/XXXX, I telephoned again after not receiving any reply via phone or through our web portal w/BSI. Spoke with XXXX. Again, I was asked to email the information and I sent it again. 
XX/XX/XXXX, I telephoned again, spoke with XXXX. He told me that his " system '' indicated that the funds had been disbursed but said that didn't necessarily mean they had been sent. 
XX/XX/XXXX, I telephoned again, spoke with XXXX, and asked who in a supervisory role I could speak with the expedite a resolution to the ongoing problem. He transferred me and I left a voice mail for XXXX. 
XX/XX/XXXX, I had not received a return call so I called XXXX at extension XXXX and left a voice mail. 
On XX/XX/XXXX, I sent written correspondence via USPS with all of my supporting documentation to BSI at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
On XX/XX/XXXX at XXXX XXXX XXXXXXXX, I received a call from XXXX, had to explain the entire situation to him. He assured me that all would be taken care of. 
Today, XX/XX/XXXX, no funds have left our escrow account. I confirmed with the XXXX XXXX Tax Collector that no monies have been received for payment of our property taxes.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (WI)

I am filing this in regards to the recent revelation that Equifax was compromised ( IN XX/XX/XXXX ) potentially leaking financial details of 143 million people. 
The fact that this leak was known months before being revealed is abhorrent at best, particularly now that I have found out I was affected by the leak. Financial institutions should not have the power to so carelessly ruin mine and the lives of many others, it 's absurd.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kentucky Higher Education Assistance Authority (NJ)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MA)

I attempted to send money via Venmo and my account was frozen. I reached out to customer service and they refuse to tell me why. At this point I want to deactivate my account but they wont allow me and are holding {$32.00} of my money and wont allow me to withdraw it. All attempts to resolve the issue have been met with zero information just claiming someone will reach out in the next 4-5 days.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (NY)

'XXXX XXXX XXXX XXXX ' company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me. 

Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX it claims they no longer have any information for me on file.
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

As of XXXX XXXX, 2017 my consolidated student loans were transferred without any advance notice from XXXX to Nelnet. Prior to the transfer I had a income based repayment plan to which I was paying {$150.00} per month and my loan balance was at or near {$46000.00}. After I received notification from Nelnet they were the new servicer of the loan my payments subsequently went up to {$210.00} per month and my total student loan balance was over {$47000.00}. When I reached out to Nelnet via phone to get answers I was told they had limited information as XXXX had not transferred all of my history and loan information over. I have made consistent and timely payments and I had yet to reach the first 2 year period of my income based repayment plan. I feel is if I am being gauged by Nelnet and as if they had added fees and surcharges to my account inaccurately.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (PA)

I have come to the conclusion that KeyBank is openly committing accounting fraud. When I woke up at roughly XXXX XXXX on XX/XX/14, my account balance was positive. However, throughout the day it unfortunately became overdrawn. I deposited funds to get my account back in good standing. 

Despite this, and despite their entire ledger saying that I was never in the negative, I got charged an overdraft fee for some reason? 

And its not the first time I've seen this happen. I have plenty of evidence. 

Also someone drove their car through the XXXX branch. It has been months since it has been repaired. You guys don't. care about XXXX customers clearly.
Consumer complaint received 2022-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The Bank of America has responded but still the issues remain unresolved to my satisfaction. I want all the money I overpaid to reduce principal at their mistakes to me.It should repaid to my XXXX account at Bank of America so I can fund future normal payments.Not one dime has been refunded as of this date.They are burying me in statements but no money has been refunded.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MD)

When I was notified of this collection on my credit report I requested validation of debt XXXX/2017 and was not provided with the validation that was requested. I am not in any contractual obligation with Diversified Consultants therefore I do not have a debt with them they have reported account number, date opened, Balance date, Balance, Date of status or status.
Consumer complaint received 2022-05-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I submitted a payment through their on line application. I didnt receive a confirmation do I did the transaction again. I still didnt receive a confirmation so I did it a XXXX XXXX time. They on line banking system messed up and Im paying for it by losing interest! I now have a credit of {$10000.00} I tried to do a charge Sunday night and it was declined. I called and spoke to an agent who said it would be returned in 2-5 days. So I called AGAIN today to be told it could take up to XXXX days to get my credit back. Ive been in banking for XXXX  years so I know how electric services work. Im furious over this! I want a complaint filed against unethical practices by Bank of America Credit card!
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Collection Bureau, Inc. (CA)

I XXXX XXXX WANT TO DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Upgrade, Inc. (TX)

*Upgrade does not allow consumers to see scheduled payments on their website or in the app. The emails sent advising of the scheduled payment is the only record you, as a consumer, have. 

*Say you schedule a payment for XXXX for a week from now. The email will state you scheduled a payment, however, if you have multiple accounts, the email does not specify to which account the scheduled payment was made. 

XXXX went through multiple customer service reps and even management. I was told that not having access to scheduled payments is commonplace. In my experience, every credit card and/or loan I've ever had allows you to both view and edit them. 

*They each advised me that people call in all the time about double payments and become upset if they didn't remember scheduling it before it posts and it causes them to be overdrawn with their bank. And they just tell them to follow their emails. 

*There, at present, is no plan to initiate a change to help cardholders with this. 

*Another concern, you log in and see your monthly payment. If you make that amount or even triple that amount, you will still have an amount due for the upcoming due date. 

*I have been advised ( by customer service and management ) that customer service can see, edit and/or cancel scheduled payments and you 'just have to call them '. 

*I have been told there are 2 reasons for this. 1 ) it is a known system glitch and I need to call back every time to have it sent to tech support to correct and 2 ) that because I am not paying 'on the due date ', the payment isn't being applied to the monthly payment but to the balance...??? 

Also, while a unique and helpful feature, you can have a 'hybrid ' account. 

It is an account that allows you to take a cash advance but treats it like a loan while using other portions of your credit limit as credit card charges. 

The confusion with this, the apr and the way your payments are applied for each way you use your credit line are different. 

*And, in my case, 80 % of my credit line was utilized as a 'loan ' at a fixed payment rate. I used 15 % as a credit card. My monthly payment is never the same now and seems to increase every month. 

They have an email option for customer service but no matter what I have asked through this feature, the response is 'you have to call for anything related to your credit account '.

*Calling in every time, as you may imagine, is time consuming and it is incredibly frustrating to get this response from an option provided to save time, because every question from technical support to how monthly payments are calculated is about your credit account. 

Overall, while it is relatively easy to be approved, this card/loan company is the most 'non-consumer friendly ' company I have ever worked with. 

I never receive the same explanation for an existing issue when I contact Upgrade, with the exception of the response given by the email campaign.
Consumer complaint received 2022-03-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

BANK OF AMERICA XXXX account was reported in my Credit report and I am not aware of the status of getting into charge-off. I have reached out to the agency and the credit bureaus about this issue but I am still waiting for their response longer than I have expected. On top of that, no modes of communication were done to notify me about the issue. The worst thing is that the accounts ' information was incorrect. Please look into the account and verify.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I had a Citicard credit card for years. I always got my statements by mail. I stopped using this card when I got a better offer from XXXX. At the same time I stopped using this card [ but still had it active ], Citicards changed my billing statement to electronic without my knowledge or consent. This led to numerous penalties that I was unaware of. When I finally learned of these charges, I paid the card off completely and ended the account. Then three or more months later I get a call from them telling me I still owed new charges for late fee penalties. 

This is a VERY SLICK SCAM, and I realize how hard it will be to catch them at it. But it is clear they could easily make millions of dollars running it. And I am sick how the Republicans are trying to end or defund you guys. There is absolutely no way for me alone to do anything about this and it is too small of amount to even try. But I suspect it is criminal fraud. good luck trying to catch them! 

The reason I have not included my account number is that I ended this account some months ago and threw away my cards. I am not a great record record keeper but probably could get my account number from the bank where I wrote my checks from. Citicards will only give me my last 4 digits on the phone. I am happy to help with more details if you want to pursue this. I fully realize how hard this will be to catch them. They can say I gave approval to do electronic statements and it is my word against theirs. There is no way I would have approved that as I do not trust emails to not end up in the junk file and me missing them. As I said, I just have a small hope that this complaint will start an investigation into this petty fraud which would end up with them making millions of dollars in fees.
Consumer complaint received 2022-03-15
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. (IL)

I have been trying for XXXX months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the XXXX describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to XXXX, XXXX, and Equifax advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.
Consumer complaint received 2022-03-15
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. (PA)

this is some XXXX I AM TRIED OF COMPLAINING AND THE ISSUSE STILL STANDS. 
The US DEPT OF EDXXXX is claiming the accounts are mine and validated yet they are wrong. I have no knowledge of said account, they claim the date the account was open to be different on all three reports. THEY ARE WRONG AND NEED TO DELETE THE ACCOUNT FROM MY REPORT. CLEARLY I AM XXXX BECAUSE NO MATTER HOW MANY TIMES I CALL OR WRITE THE ISSUE STILL STANDS.also no on asked for any fraud alerts to be added so remove those and my old address is report off one number so remove the address. XXXX was not the address it was XXXX.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (IL)

I would like to report Equifax for their lax data security. My personal information was stolen in the massive 2017 breach of their systems. Not only was their data security insufficient, they did not release the information of the breach for months after it occurred. Finally, when signing up for their credit monitoring service I discovered afterward that doing so apparently waves the right to any class-action lawsuit or individual lawsuit as a part of clicking yes. No where was it made clear before clicking accept that I was giving up those rights and I certainly would not have accepted had I known what I was giving up. All of this clearly indicates a company who is unwilling or unable to ensure the security of the immensely important information that they store and who is more than willing to cover their failures up and then XXXX the consumer by immediately tricking them into opting out of any lawsuit.
Consumer complaint received 2017-09-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (TX)

On X/X/2017, in the course of debt collection activities related to my account, XXXX XXXX XXXX XXXX XXXX ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified XXXX XXXX XXXX as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.
Consumer complaint received 2022-12-17
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-17
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

XXXX  formerly Transferwise offers a multi-currency account as part of their services. 
After transfering funds from my wells fargo account to my multicurrency wise account they deactivated my account. I have no access to the account and they are holding my money without any explanation. No refund yet.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying for three months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the XXXX describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to TransUnion, XXXX, and XXXX advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.