davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
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: CITIBANK, N.A. (CA)

This incident is regarding a purchase made at XXXX in the XXXX XXXX in XXXX, CA around on XX/XX/2020 around XXXX. Upon making my purchase the cashier asked me if I was interested in opening a store credit card to get 20 % off and I politely decline. She asked if I was interested in promotional offers and coupons and asked to see my drivers license. I agree and she takes my information down and asks me to answer the questions on the pad. I clarify, this isnt for a store card, right? She says no. As Im putting in my social and income, I get concerned and state that I would like to just do a traditional credit card purchase with no promotions or coupons and she cancels the transaction. Around 4 hours later, I receive an alert from XXXX that Macys did a hard inquiry credit pull and my score decreased 6 points. I return to Macys that same day around 4 hours later explain to the manager ( XXXX XXXX ) what happened and she explains that I should have received a different receipt but will contact me after looking into the problem. Today, on XXXX XXXX I hear back from the same manager and is informed that she essentially does not know how that happened. I explain that on my XXXX account, Macys is the listed company to who pulled it and I did not give anyone any authorization to pull my credit. I feel as if my problem was not fixed and my credit was unethically and illegally attained. I did not authorize that credit transaction. 

The purchase was in the amount of {$210.00} for a XXXX XXXX handbag.
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch (NY)

XXXX XXXX XXXX is fraudulently reporting my account as unpaid and in collections with crown assets. This account is paid in full and closed for months how is it that this account is in collections as XX/XX/2020 when its paid in full and in good standing. How can I be in collections on a paid closed account. They must update their files. This fraudulent reporting is damaging my credit status and it must be corrected. With the pandemic and dealing with covid is an unnecessary issue.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I am refinancing my existing mortgage with Navy Federal Credit Union and I am at the closing stage. My loan agent was pressuring me to schedule a closing date for Tuesday XXXX XX/XX/2020 and I had not received my closing disclosure. I received it Friday XXXX XX/XX/2020 in the afternoon while I was at work so I couldn't look at it until I got home. When I looked at it I sent e-mails to cancel the scheduled closing because my escrow account was grossly excessive. It had listed a cushion for homeowners insurance at 9 months of {$100.00} and property tax cushion of 6 months at {$470.00} per month for a total of {$2800.00}. My total property tax and insurance bill for the year comes to {$5400.00}. The cushion for my escrow should only be listed at 1/6 of that total according to RESPA section 10. They have my monthly escrow payment listed as {$570.00} which is {$120.00} a month over what it should be if you divide {$5400.00} by 12 months which would be {$450.00}. My total escrow cushion of {$2800.00} plus my 12 months of escrow payments at {$570.00} equals {$9700.00} for the year. My total escrow disbursement for the year is {$5400.00}. I asked my loan agent why the payment was so high and she said it was probably because of inflation. She said she has never heard of RESPA and she has been doing this for a long time and this is how Navy Federal Credit Union handles their escrow accounts. On Navy Federal Credit Unions website it lists their procedure for escrow accounts that is in compliance with RESPA section 10 but the employees don't follow it. My existing escrow account on my current mortgage with them has been handled in the same fashion. I have never had a refund in 4 1/2 years and every year I get a bill for triple the amount of my property tax and insurance yearly increase and my monthly escrow payment amount also goes up.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA has been incorrectly reporting the balance of a prior loan on my credit report in the amount of {$8400.00}. They have been reporting the incorrect amount owed. Plenty of notices have been sent to them to dispute this issue and they have still not corrected this. Reporting false information, which in this case is misrepresenting the amount owed on a loan, a violation of FDCPA. Also, they translated that misinformation to a 1099-C. The loan balance that they have been reflecting on statements for over a year now is {$8300.00}. Filed a FDCPA complaint on XX/XX/2019 and received a response XX/XX/2019. In that response, they noted that XXXX XXXX spoke with me regarding this matter. That is incorrect. We spoke regarding a separate complaint regarding my credit card and trying to have the late fees waived. No one from USAA has reached out to me regarding this matter and they are falsifying communication records between them and myself with their last statement to the FDCPA for complaint # XXXX. I attempted to email XXXX XXXX on XX/XX/2019 as well as this evening. 
USAA is continuing to report false information. 

They changed my payment history on this account after three years on my XXXX report on XX/XX/2019. Also, my complaint submitted XX/XX/2019 # XXXX has inaccuracies in their response. Their representative XXXX XXXX did not contact me about two CFPB disputes. On XX/XX/2019 she contacted me solely about my closed credit card account and the dispute related to that account. This account and the corresponding dispute was not mentioned. Also, they advised to contact XXXX XXXX, but I have already tried on multiple occasions with no success. 


On XX/XX/2019, XX/XX/2019 and XX/XX/2019 I emailed USAA to complain about XXXX XXXX reporting to the CFPB that she contacted me regarding the account when in fact she did not. They have yet to respond. The call that took place on XX/XX/2019 needs to be pulled so they can see that XXXX XXXX blatantly lied in her original response to the CFPB on XX/XX/2019. The email included XXXX XXXX, XXXX XXXX and XXXX XXXX. On XX/XX/2019 XXXX XXXX sent me a communication via the USAA application with his direct extension, XXXX. On XX/XX/2019 I responded asking for a good time to call. On XX/XX/2019 XXXX XXXX responded with his office hours. On XX/XX/2019 I called, left a voicemail, as well as sent a message via the application. On XX/XX/2019 I called, left another voicemail and sent another message via the application. On XX/XX/2019 XXXX XXXX responded that he was out of the office when I had contacted him previously and will return XX/XX/2019 at XXXX a.m. On XX/XX/2019 I sent a follow-up message on the application. On XX/XX/2019 I called, left a voicemail and sent another message on the application. Not once did I receive a call from XXXX XXXX or any other representative of USAA for this previous dispute.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Incorrect name spelling is reporting on my credit report. 

XXXX XXXX Multiple addresses that is incorrect is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TX)

I make my payments early and on time it's a fairly new loan but the interest rate charges make no sense when I first got this loan they sent a video stating that if you pay on time more of your money goes to the principal and less to the interest rate so this month I paid early and on time and their saying they had to charge me for 35 days of interest which makes no sense to me this cant be right. Please help me resolve this matter
Consumer complaint received 2018-02-24
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

Today, I am writing to complain about the allege accounting and servicing transferred to you from XXXX XXXX XXXX on or about XXXX XX/XX/XXXX and my need for a thorough understanding along with clarification of various attempted sales, sale dates, transfers, funding sources, alleged legal but illegal beneficial ownerships, current charges, credits, debits, transactions, reversals, actions, payments and analyses of all records related to the servicing of this account from its origination to the present date. To date, the documents and information I have reviewed from XXXX County ( to include my personal documentation on hand ) and the previous conversations with several XXXX service representatives by the name of XXXX XXXX ( Employee # XXXX ) and personal at Carrington Mortgage LLC. and XXXX XXXX by the name of XXXX XXXX who would not provide his employee number and the many other account managers, in which, I continue to have unproductive, evasive conversations and furthermore, have not answered many of my challenging questions. Im currently in possession of two letter ( one from XXXX and the other from Carrington Mortgage and both letter cancel out one another stating that each other company is the servicer, which has left me very confused ). I was also contacted my XXXX XXXX who stated, he allegedly bought my property for {$250.00}, XXXX ( This is constructive fraud ) and he threatened me and then asked if I wanted to buy my property back. Allegedly, my property was attempted to be sold on XXXX XX/XX/XXXX with a notice that I now have in my possession and then I was told that it allegedly was sold on XXXX XX/XX/XXXX. We had people coming to our home in the middle of the night and throughout the day while my kids were at home and looking in windows and placing notes on our door asking to buy our home a notice of a trustee sale on the day of XXXX XX/XX/XXXX. As it now stands, Im asking that this alleged indebtedness be forgiven or discharge immediately through your booking keeping entries and accounting ledgers etc. In addition, that acknowledgement be presented to me in writing within 30 days of receipt of this compliant and also the removal of any future duress ascertained over the past. It is my current understanding that XXXX XXXX XXXX ( of which your company acquired another mortgage note? ) and now your company may have also been accused of engaging in one or more predatory servicing of lending and servicing schemes that XXXX previously engaged.
Consumer complaint received 2021-03-09
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. (UT)

Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Experian ( consumer reporting agency ). This reporting agency ( Experian ) has infringed upon my right of privacy. I have made multiple disputes to my consumer report regarding this unfair reporting. Through my thorough investigated I have found that this reporting agency was reporting approved extension of credit showing payment history which should have been excluded from my consumer file. I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Experian ) to report Any information dealing with specific extension of credit which is a violation under the FCRA 15 usc 1681a ( 2 ) ( i ), Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. If consumer reporting agency remits violations, please provide me and Consumer Financial Protection Bureau ( CFPB ) My initial signature authorizing consent to such action, please provide to me exhibits to back this supporting claim of fraud. These are Federal violation under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. i ( consumer ) have provided my identity notarized to authorized this complaint. I believe that i ( consumer ) have fully addressed my concerns of the validity of this matter, will still stands.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal frequently. My email linked to my PayPal is XXXX I have money on my account that was supposedly subjected to bring held for 180 days ( 6 months ) and Ive recently received a email saying my funds were available to transfer because the 180 days were up and now Im still having trouble transferring my funds. This is making seriously depressed Ive submitted my ID, bank statement, the statement is linked the bank account thats linked to my PayPal. I have done everything I could on my end. Theyre just giving me the same automated script I am not getting no real help and everyone is complaining about this same issue in every forum, website and PayPal community
Consumer complaint received 2020-12-22
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 (OH)

on XX/XX/2020 XXXX XXXX accidantly sent a duplicate balance transfer to bank of amercia for XXXX to visa ending in XXXX -- this resulted in a credit of the same amount on this account -- i have called boa several times trying to get a refund of the above said amount i called on XX/XX/XXXX and was told since there is a credit on my account the money should be reversed back to XXXX by XX/XX/XXXX-didnt happen called on XX/XX/XXXX to find out what is going on the told me that the money would be in my checking account in 1 to 2 business days -- didnt happen ( gave them my bank routing number and acct number ( XXXX XXXX ) called XX/XX/XXXX and asked status and they said the agent i talked to should have read me a disclouser that said it would take 3 to 5 business days called XX/XX/XXXX and asked status -- they said something about having to wait till XX/XX/XXXX because of the large amount to be refunded??? 
xmas ruined pls get my XXXX back to me!
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: WELLS FARGO & COMPANY (AZ)

Balance of {$5600.00} was charged to card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX, even after XXXX order was cancelled. No work was done. Nothing is due.Card was cancelled and closed by phone call to Wells Fargo Bank at same time. Card was issued by Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX, IA XXXX. Card Account Number XXXX. 
Wells Fargo Bank Phone Number XXXX Nothing is due. No work was done.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (OH)

Citibank was offering a higher interest rate. So I took funds out of XXXX account and a cit. account. Transford 3 different amounts XXXX for XXXX XXXX for XXXX XXXX XXXX. Citibank lowered there interest rate. My problem is after having contact with many customer service people, it was so bad that I was concered that I got my self into a scam. I have a police report showing that I am truthful regarding that I. Looked up Citibank reviews and I am not alone on my feelings regarding this bank. This is a one month old account. I was so concered that I tried to transfer money out of the Citybank account back to XXXX. I called and they said you can only due XXXX a day and not over XXXX a month Every amount I put in was over there transfer daily amount which is now XXXX a day. I called back an talked to another customer service person if there was another way just cancel this account. and transfer my money back to XXXX He explained how to get on Citibanks site to do a wire transfer. I paid for my transfer on XX/XX/XXXX my transfer was for XXXX The next 3 days turned into a living XXXX. After many calls and hang ups I was told that they blocked my account I have no access to my money and no access to the computer site. After 3 days worth of calls and hang ups. I went to XXXX bank to ask if they could help in any way, they suggested that I file a police report. After more calls and hang ups I did go to the XXXX Police Department XXXX XXXX XXXX XXXX Ohio XXXX phone XXXX Fax XXXX I talked to Officer XXXX XXXX report num. XXXX. He and I were on the phone with Citibank for 2 hours calls and hang ups. Officer XXXX started getting concerned about this being a scam followed me back to my apartment because he wanted to see the Debit card and my paper work. More calls and hang ups. Towards the end of this call they told Officer XXXX that my transfer would go through in a few days. After all this I called about my wire transfer again on Sunday the XXXX because I was still very concerned. Talked to another customer service person that proceeded to ask me question after question which I was able to answer. They canceled my transfer. ; He put me on hold and when he came back he said I got one of the questions wrong so my account is still closed would not let me ask him any more about my account and he hung up. This may not even matter I am a senior on social security and small pension. This week I have not slept and I feel shaken inside. This is all all the savings I have.
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mutual Management Services LLC (FL)

Hello a building I stayed in 4 years ago when I left claimed I somewhat destroyed the apartment. They said they had to repaint the walls, replace the floor, replace utilities etc. Somehow of all the money I left them deposit etc. The cost was so high that after {$2000.00} was spent they still needed to get an additional {$1400.00}. I have tried to dispute this claim on XXXX. XXXX XXXX XXXX XXXX the place I was staying said they would create a dispute for the claim years ago they would get back to me with a certain email to send photos of the place in good condition etc. I never heard back from them. They never submitted evidence to me I had caused such destruction. When I try and dispute this with XXXX I simply get replies they checked the claim for accuracy and it is accurate. I have no idea what that means. How is it accurate? It was sold off to a debt collector Mutual Management and I still have no idea how they made this claim stick to my credit. I hired a lawyer for a separate property issue and I believe the firm does not think they can investigate these things once they are already on your credit report. Yet I saw a section that says that if I am not happy with XXXX  attempt to investigate this claim I can file a claim on this website. Here I am. Please advise me if I can go further with this and can always retain the services of my lawyer to help if necessary. I have no plans to try and pay a debt for damages to a property I did not create. I feel its a fraudulent attempt to get more money from a tenant who always paid on time. Thanks checking this out for me.