davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TN)

Dear Citibank, Ive been a holder of a Citibank credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of Citibank. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from Citibank, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, Citibank reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from Citibank stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, Citibank closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the Citibank account. I called Citibank immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like Citibank to a long-standing client with exceptional credit history his entire life. Citibank failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. Citibanks error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for Citibank to due for a previously loyal client. If Citibank was not in the wrong, then why did they eventually reverse the charge that caused the issue?
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (MN)

I was offered a promotion to open a checking account with Discover Bank. I had to meet a requirement to earn this promotion. The details were clear on my account application. I decided to open the account. I set up direct deposit with my employer and this has been ongoing. The requirement to earn the account promotional bonus was to set up direct deposit totaling at least {$500.00} within the first 90 days. Discover Bank received the second direct deposit on XXXX XXXX, 2015 that put me over {$500.00} in total direct deposits. This account was opened on XXXX XXXX, 2015. The details of the promotion/contract that I accepted was that the promotional bonus would be credited to my Discover checking account within 30 days. I continued to monitor the status of this promotion leading up to XXXX/XXXX/15 and had been assured both in writing and verbally that I had met the requirements of the promotion and that my bonus would post on or before XXXX/XXXX/15. The bonus did not post to my account on XXXX/XXXX/15 and I waited a few business days and then called Discover Bank once again, and contacted them in writing. Discover Bank has refused to credit the bonus to my account. I have fulfilled the terms of our agreement and am asking that this bonus be posted to my checking account.
Consumer complaint received 2015-05-24
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

I ordered a tablet from XXXX ( order # XXXX XXXX, and my credit card was charged, however I never received the tablet. After a couple of weeks, I called XXXX and told a representative that I had n't received it. He told me that according to the tracking information, it had been delivered. I asked who had signed for it, since I had been home, and he told me a signature was not required. I explained again that I had not received it, and asked them to credit my account or send a replacement. He said that he could n't do that, so I asked to speak to the supervisor. After speaking to the supervisor, he told me the information given by the representative was incorrect, and I would be issued a refund within 10-12 business days. Two weeks later, I received my credit card bill, and the refund had not been issued. I disputed the charge with my credit card company XXXX Discover XXXX, and they said that according to the information given to them by XXXX, the charge was valid. I called Discover and explained the situation to them, and they re-opened the dispute, however I just received another message stating that according to the information given by XXXX, the charge had once again been found to be valid. Not only did I not receive the merchandise, but XXXX agreed to refund this amount, and now they are forcing through an invalid charge on my credit card.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM A VICTIM OF IDENTITY THEFT ; I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE FRAUDULENT APARTMENTS RENTAL. THOSE FRAUD ACCOUNT NOT BELONG TO ME AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX WITH A BALANCE OF {$15000.00} IS A FRAUD COLLECTION ACCOUNT AND I NEVER LIVE THERE OR AUTHORIZED ANYONE TO USE MY IDENTITY FOR THEIS APARTMENT. 



XXXX XXXX XXXX OR XXXX XXXX AT XXXX XXXX WITH A BALANCE OF {$39000.00} IS A FRAUD COLLECTION ACCOUNT AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 



THANK YOU FOR YOUR HELP.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I am XXXX Militaty Vet and get paid at end of month. Called several times explaining situation to see if could get payment date moved to end of month so to stop incurring late fee every month! Seterus refused to work with me in any way! I was told to get one payment ahead I would n't have this late fee problem! Well if I had the money to get a payment ahead I would do that but I do not have the extra money!
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I opened a checking account with Wellsfargo Bank in XXXX XXXX in XXXX, Florida and was informed that a monthly fee of {$10.00} will be assessed on my account if the usage frequency of my Debit Card from my account does not exceed XXXX transactions per month. 
On separate ocassions, a {$10.00} was imposed on my account despite having more than XXXX transactions in the monthly cycle. 
Upon inquiry after the first assessment, I was informed that the cycle was from XXXX of the month to the XXXX of the following month based on the opening date of the account. When a second monthly fee was imposed on XXXX XXXX, I contacted the bank and was informed that the cycle started and ended on XXXX of the month. I then pressed the banker who assisted me as to how a cycle can vary that widely XXXX XXXX to XXXX -- 5 business days ) and how a consumer can play by the rules if the target ( deadline ) keeps moving. 
I argued that such an arrangement is unfair to the consumer and the monthly fee assessment should have been based on a calendar month, or at least on a fixed monthly cycle so that the consumer does not get charged with fees via such sneaky tactics.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (MA)

I applied for a Wells Fargo Choice Privileges Select MasterCard on XX/XX/XXXX, but I did not receive any rewards, then I called and asked WF about it and they said it was XXXX XXXX XXXX responsibility, then I called XXXX  and XXXX  said that my account wasn't Then I called XXXX, XXXX  said my account was not linked to my credit card, and told me to go to WF, then WF said it was XXXX XXXX responsibility and not theirs, then I filed a complaint with WF on XX/XX/XXXX, but WF 's complaint handler said there was no way he could help me, then I went to XXXX, but XXXX  still said it was WF 's responsibility, and still haven't solved the problem until now!
Consumer complaint received 2021-01-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

We closed escrow on our home on XX/XX/2020. We had an escrow balance of more than {$5000.00} that Loancare was supposed to refund to us. I have had numerous conversations with Loancare and have documentation to support the conversations. They said they would be mailing it out in XX/XX/XXXX. I never received a check. I called them again and they said they would be mailing the check on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received our check. I have offered to give them a XXXX XXXX account number so that they would overnight the check to us but they refused. We are seniors and now, during COVID, this money would help us with our finances.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was given which is also a violation and I am requesting that all inquires be removed.
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CO)

XXXX states that I owe them {$390.00} for discontinuing service with their company while under contract. I claim that I was not under a contract when I discontinued service with their company. I have asked XXXX XXXX to provide proof of contract, and they can not. They have turned my account over to numerous debt collection agencies, and one of them ( Enhanced Recovery Company ) has listed the unpaid debt as a negative on my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am refiling my complaint with TRANSUNION through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, TRANSUNION maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges. 
The investigation period has extended beyond 30 days, during which TRANSUNION claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 
I am reaching out once more in the hope that TRANSUNION can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that TRANSUNION will uphold its commitment to maintaining the integrity of the credit information it provides.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my follow up complaint. I have noticed that an inquiry and inaccurate information persist on my credit profile. Previously, I requested that you conduct an investigation into the inquiry on my credit report to determine its authorization. I understand that your investigation has concluded and supports my assertion. Therefore, I kindly request the expungement of this lingering inquiry and inaccurate data. Additionally, I request updated copies of my credit reports devoid of these remaining items. Below are the details of the disputed items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX, CA XXXX. It is crucial to note that these disputed items do not pertain to any transactions initiated or authorized by myself. In accordance with the Fair Credit Reporting Act Section 605B ( a ), you are mandated to remove any items opened without my knowledge, consent, or authority within four business days. This removal necessitates suitable proof of consumer identity, an identity theft report copy, consumer identification of the disputed information, and a statement attesting that said information does not pertain to any transactions by the consumer.
Consumer complaint received 2022-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

In XX/XX/XXXX on the cusp of time to pay my XXXX house payment, I was transferred to BSI Financial ( not my choice- but the ridiculous way things happen to individuals by big business ). I was informed by prior mortgage company not BSI. I attempted to pay my mortgage to new company as instructed - but BSI did not have records ready for me to do so. It took more than one hour on phone to get that straight. Reason provided was that BSI had taken on many transfers. That should not be the consumers problem!. My loan is set up to escrow taxes and insurance and for mortgage company to remit. My insurance premium was due XX/XX/XXXX and once again I had to take my time to facilitate what should have been a seamless transaction by BSI. They paid the premium late!!! This has never happened in my decades of home ownership. Taxes were due no later than XX/XX/XXXX. Once again I had to wait on hold to the ONLY phone number provided by BSI and was promised about 10 days prior to XX/XX/XXXX that the taxes would be paid. THIS DID NOT HAPPEN. Another call week on XX/XX/XXXX to BSI - XXXX minutes on hold at ONLY PHONE NUMBER - only to be told they are busy! I am busy too and should not have to monitor a mortgage company. Was told AGAIN that this would be resolved and I would hear by XXXX XX/XX/XXXX. Of course no phone call and no tax payment and late fees have now been incurred. These people are horrible. I want resolution and do not know where to turn. Considering filing a breach of contract suit. Please help me and please place sanctions on this terrible establisment.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I attempted to go through the dispute process with Equifax regarding an erroneous item on my credit report allegedly involving XXXX XXXX. The amount being claimed is {$2500.00}. This item originally was brought by XXXX XXXX XXXX. I complained. I subsequently tried to have my credit cleared. It was then pursued by XXXX XXXX XXXX XXXX after I went through the Equifax and XXXX dispute process. The only cellular phone services I ever used were XXXX XXXX and my current carrier, XXXX. I never had a XXXX account. I am also concerned about the fact that the item appears as " open '' anew once a new collection firm acquires the matter. This is very unfair. I feel that as a consumer, I am being abused by both Equifax and XXXX. They conduct themselves in a manner that is biased against the consumer and favorable to corporate interests. In this instance, I am having a harder time getting this erroneous matter off of my credit report than these corporations have getting them on my report. Please help me.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (MS)

I got behind on my mortgage payments. PHH Mortgage said I need to send in XXXX by XXXX XXXX, 2017 or my account would be sent for for closure. I sent my payment in by XXXX and mortgage company received it and was signed off by a XXXX XXXX. Mortgage company said they never received payment and account was put into foreclosure. Mortgage company sent my money back to me on XXXX XXXX. I 'm now having to pay {$2100.00} due to attorney fees
Consumer complaint received 2021-06-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: House Of Finance Corp. (CA)

the father of my child included me in an auto loan without my consent. This was around XX/XX/2016. I was not even employed at the time. Considering this I couldnt have applied for a car loan to begin with. The account is closed but it is negatively effecting my credit score. I cant pay because i dont have any money as well.
Consumer complaint received 2016-06-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (WV)

PayPal refuses to close my account stating they require documentation from my credit card about a charge-back. ( Case # XXXX ) The charge-back was requested due to the following fraudulent transaction on eBay on which the item was not received. 
eBay has closed the seller 's account after an investigation of over XXXX fraudulent transactions from this seller and PayPal has refunded the transaction 's amount of {$36.00} to my credit card following their investigation. 


Seller 's Name : XXXX XXXX Seller 's Email : XXXXXXXXXXXX Seller 's Transaction ID : XXXX Transaction Date : XXXX XXXX, 2016 Transaction Amount : - {$36.00} USD Your Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have XXXX collections on my credit report that are listed as being closed accounts. However, these accounts continue to update monthly, suppressing my score. Further confusing me, the same credit report shows I have no collections on file. They are also listed as factoring company accounts with high credit limits and past due dates, appearing as though I am past due but there is no original creditor listed. I 've attached screenshots evidencing my position.
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Ocwen. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. Instead of providing these accommodations, XXXX  XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded by sending me a loan modification via express mail that had conditions that I could not refuse the package. I have been contacted by Ocwen at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least five times. Ocwen a has reported me as delinquent to the credit reporting agencies and ruined my credit. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-26
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. (FL)

I have discovered that some accounts are not mine and I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts and have never incurred a debt with these creditors