davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (FL)

I cancelled my account with XXXX in XXXX or XXXX of XXXX. They sent me a final bill of {$100.00} and I paid that final bill. They randomly added a {$30.00} charge to my account on XX/XX/XXXX and did not notify me that I had this charge on my account. I was no longer checking the account as I paid the final bill and expected no further charges. On XX/XX/XXXX I received a credit reporting alert that a collections account had been put on my credit report. I contacted the collections agency and they advised that it was a charge with XXXX XXXX. I logged into my account with XXXX and that is when I say that I had a {$30.00} charge on my account. I went ahead and paid the balance to resolve the issue and contacted XXXX via chat and was advised since I paid the balance that they would remove the reporting on my credit report and to just contact the collections agency to let them know so that they can start the process. I contacted TransWorld System Inc who was handling the collection account and let them know everything that XXXX had told me. They advised that I needed to wait for everything to clear and they also started an investigation because I was not sent a letter from TransWorld System Inc about the collections attempt. I called TransWorld on XX/XX/XXXX and they refused to speak with me because they said XXXX had pulled the account back and that I was no longer in collections with them. They said that I had to contact XXXX to resolve the matter. I called XXXX and they sent me to the collections department, who said that I needed to call the collections agency. I advised that they would no longer speak with me and that they said I had to resolve the error with XXXX. We went back and forth and I finally requested to speak with a supervisor. The supervisor told me the same thing that the collections agency had to fix the reporting. I again told her that they will no longer speak with me and then she said, Oh the billing department is who needs to resolve this error. She gets me to the billing department who says I need to speak to the collections department. The collections department says I need to speak to to the billing department. I get transfer like five or six time and finally get someone in the collections department to give me so information. He agrees that the charge was added on XX/XX/XXXX and that I have 90 days to pay it before getting sent to collections. My account was transferred to TransWorld on XX/XX/XXXX. XXXX didnt notify me of the bill and ONLY GAVE ME TWO DAYS to pay it. I have placed numerous calls with XXXX and numerous agents have admitted it is an error BUT NO ONE IS FIXING IT! I need the credit reporting deleted as this is unethical billing practices and is hurting me the consumer.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MA)

Apple and Goldman Sachs denied me credit based on my age. 
I have an XXXX credit score and their reason, for denial of credit is bogus. 
The reason they gave was that they could not verify my identity. 

Apple and Goldman Sachs could have called me. Goldman Sachs has in fact already has a meant to verity my identity. They chose not to, as I have an account with them and they accepted my identity on another instance, where there was no risk as I was depositing funds. 

Apple also has my identity as I have an I phone  and XXXX shared with apple  that I had purchased two I15 phones on XXXX credit.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (IL)

XXXX my bank account with citibank was hacked. Fraudlent XXXX transactions wiped my bank account clean totaling {$1300.00}. I notified the bank immediately. They told me they would " investigate '' the transactions and it would take 10 days. 10 days later I was given a temporary credit for the full amount and a notice saying a full investigation took 45 days. They wanted more information from me. This was some form of " spoofing '' but i did NOT give any personal information. The spoofer already had all of it. I truly think the hack went through the app on my phone. Citibank said they were going to withdraw the full amount back out XXXX based on their investigation which they did with NO explanation how this was my fault.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.
Consumer complaint received 2017-07-29
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. (TX)

X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In acordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ( XXXX 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 XXXXXXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1679 a, states i have the right to dispute inaccurate information in my credit report. 
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, also states, a consumer reporting agency can not furnish my account without my written instructions. 

I DISPUTED THESE ACCOUNTS WITH ALL 3 BUREAUS AND INFORMED THEM THESE ACCOUNT WHERE REPORTING INNACURATE INFORMATION AND THAT THE ABOVE ACCOUNTS WERE VIOLATING MY RIGHTS, AND SOME MAY HAVE BEEN THE RESULTS OF IDENTITY THEFT. HOWEVER, I WAS UNABLE TO GET ANY SATISFYING RESULTS.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/2020 and again on XX/XX/2020, my credit card was erroneously charged {$18.00} on each date. After writing to the credit card company, I received form letters stating my complaint was resolved in my favor and both times the {$18.00} charges were reversed. 

Again on XX/XX/2020, another erroneous charge of {$18.00} appeared on my statement and I sent another complaint on XX/XX/2020. I received the standard form letter ( dated XX/XX/2020 ) stating they will investigate and that they " will send me a letter detailing the results of our investigation '' and that my account would NOT be " subject to interest charges and you do not need to pay any portion of the disputed transaction ''. 

Except for the {$18.00} charges, every single month prior to the due date, I paid all balances in full. I made no purchases in XXXX and XXXX so I received neither a XXXX nor XXXX Statement nor a letter from them detailing their investigation results. 

I made a purchase on XX/XX/2020 and therefore received a XXXX statement which reflected that purchase, plus the XX/XX/2020 {$18.00} erroneous charge, plus numerous late fees, misc fees and interest fees equaling {$75.00}. I paid the purchased item immediately. 

After nine ( 9 ) monthly detailed letters to them, a phone call and nothing but lip service, the erroneous {$18.00} charge has grown to {$300.00} because of their monthly late fees, and all kinds of interest fees. In XXXX I did receive a form letter from them stating their charges were valid but DID NOT state why or the results of their investigation which in the past had proven erroneous.
Consumer complaint received 2017-07-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

My loans with Navient total XXXX I was able to pay them at first but then they kept raising my payment which put me in a situation were I was always having to ask for a forbearance not knowing that this is the reason why my payments kept going up. I get harassing calls from them about my loans and when I do speak with them about the forbearance they say that they are going to send me information but I never get it. They take mine and my husband state income tax every year if we do get something back from the state which then hinders our household. Please help me
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Upon the transfer of this mortgage to Rushmore, our escrow was doubled due to an accounting error by Rushmore. We were in the process of disputing this when Rushmore refused to apply any payments towards the mortgage. We stopped paying during dispute but Rushmore was no help and we were then put into foreclosure. During the foreclosure process we then received an offer of modification for the exact amount that we originally should have been paying less the error n the escrow. The attorneys for both sides handling this came to a resolution and Rushmores attorney then sent us a letter for us to send to the credit agencies that have us listed negatively stating that this was an accounting error and we should not have this adverse credit. XXXX and XXXX have both sent in disputes numerous times to Rushmore to have them remove and update our credit to no avail. As of this date, I still have this on my credit as negative and I am currently under contract to buy another home and am working with a mortgage lender, however due to the low score stemming for this negative report, I am in jeopardy of either NOT getting the mortgage or paying a premium interest as well as other fees! Rushmore also does not have a direct line or person to speak to for any kind of help! Please not prior to this we have 2 mortgages with never being late as well as the one I question never being late prior to the accounting error on Rushmores part.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (CA)

At the end of XX/XX/2023, I randomly called Flagstar looking to refinance or cash out against the equity of the home. Being that my wife was terminated from her employer due to XXXX, and we exhausted our savings. 
I received an invoice from the city of XXXX XXXX in the postal mail as the city of XXXX XXXX was looking for payment on taxes I called Flagstar inquiring why I received the above-referenced invoice and they verbally admitted to not applying the payment in XXXX to the principal rather than applying it towards the interest only. 
According to the verbal conversation with Flagstar they admitted that they did not communicate in any fashion with me Because my property taxes were reassessed, and as I understand in the state of CA taxes are reassessed on a sale or a move. Being that I did neither, I did not understand why this was done. 
By default, the extra money that was not paid toward the monthly mortgage payment to Flagstar, put me behind with XXXX ( HELOC ) This was the start of the spiral downhill. 
Then in XX/XX/2023, when XXXX refused to speak with me. We were late by one month. 
XXXX verbally demanded to make 3 months ' payment upfront before they would entertain to speak with me. 
I attempted to make the payment on a Saturday and they refused to take our payment. They said, " We are billing for XXXX, and are closed on the weekend ''. The payment was made on the following Monday, pushing my payment to be 2 months late, not giving a grace period.
Consumer complaint received 2021-08-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK (NY)

The mortgage company is First Horizon.

On two different occasions, I needed to do a loan modification due to financial difficulties. HUD was to receive partial payments. On XX/XX/XXXX I have proof that {$5800.00} was paid to HUD via electronic transfer and on XX/XX/XXXX a settlement for {$18000.00} was paid to HUD via electronic transfer. However, according to HUD, they know that I paid however, First Horizon never actually deposited the money. They stated that I was an oversight at First Horizon.

I have made many attempts to resolve this with First Horizon since XX/XX/XXXX. They have promised to send me E-files, faxes and a letter via XXXX from customer service, but none of these items have arrived. They do have documentation however, now one can tell me where the actual money went. 

I have since sold the home and it is paid off however, the above amounts have been held by the title company until this is resolved. 

I need assistance in this matter.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (IN)

XXXX XXXX I opened a checking account with PNC and it was a joint account and on XXXX XXXX it was closed after the other account holder passed away. I did not have it closed and the funds that was in the joint account XXXX I never received. After the passing of the other joint holder he left me savings, money market account his estate checking account that as well I never received XXXX. A the home we was living in was mortgaged through PNC I had to leave my home leaving me homeless along with other personal property.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from XXXX on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at XXXX, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from Transunion it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my incarceration and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Empowerment Ventures, LLC (MI)

On XXXX/XXXX/17 XXXX debited {$120.00} and cancelled it the same day as I paid cash with them. I called Rush Card and was told I have to wait 10 days for my money. The transaction is still pending and is. It going to post since it 's been cancelled
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

I have spoken to several representatives with XXXX XXXX over the past month. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXXe for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she 's not sure what the charges are for.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (NJ)

I opened a business account on XX/XX/year> with this bank. When I met with one of the branch workers to help me open my account .the feeling was already off. Her name is XXXX XXXX. She began to ask me a number of uncomfortable questions as if I came in to request a loan or a credit card. She was asking why KeyBank. How do I plan to manage my receivables etc questions that you will ask if you asking for money. I felt very targeted because none of this was stated on the website or stated in the qualification section to open a checking account. I brought in all the documentation required. My EIN LETTER, MY BUSINESS certificate, my foreign entity, and so forth, she made me feel very uncomfortable as if I did not belong there, however she did open my account I was able to log in and deposit about {$1000.00} in my account however 2 days later when I tired to log in again on my phone it said my account is restricted. When I called the bank they said my account is restricted because I did not turn in my documents are you serious? I had a appointment with the branch worker XXXX XXXX and she took my documents scanned them in and gave them back to me. They also said my account is being reviewed for fraud how? I provided everything that was asked for plus I made a deposit in the account. I am XXXX XXXX XXXX trying to get my business running and we all have to start somewhere. And its funny how these credit unions are suppose to be for the people, But I did not feel that way at all. I am slowly learning the business world and I thought KeyBank would be a great fit because of all the reviews. But this bank seems is showing that when it comes to XXXX XXXX people they judge. I am very disappointed with KeyBank and how they treat people of XXXX trying to make it in life I honestly would like my deposit and and no longer wish to bank with KeyBank and I will make sure I inform people of this bank and how they treat minorities. I am happy that I was able to record some of the conversation I had with this branch rep. 

My business name is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-09
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. (FL)

I recently bought a car. The dealership ran my credit 25 time. I understand that when shopping for a house or car loan the can apply to as many places as you want in 30 days to get the best rate. My understanding of the fair credit act is that the inquiries made in a 30 day period should only count as one inquiry. They are showing as 25 different inquiries which had lowered my credit score over 20 points. How do I fix this.
Consumer complaint received 2017-07-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

I do not remember borrowing {$9000.00} in XX/XX/XXXX and my home equity was used as collateral. In the foreclosure process in XX/XX/XXXX, I filed bankruptcy to try to keep my home. The bankruptcy was dismissed in XX/XX/XXXX, because I was unable to pay the {$1200.00} per month. Last year, XX/XX/XXXX, Springleaf started calling with threats about the {$9000.00} loan. I did not know it was unsecured, and they did not ask for the money on XX/XX/XXXX when the foreclosure short sale occured.They are calling threatening me and talking to me like they will come after me. I have been making payments, but on XXXX Social Security and XXXX just is not enough money. I spoke to the foreclosure attorney and he said it was an unsecured loan now, but Springleaf, now called OneMain is using scare tactics.
Consumer complaint received 2018-01-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (GA)

I just gained access to my credit report and noticed that Amcol Systems has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their are XXXX collections on my account that i never knew anything about.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

Im a global HSBC Premier customer. At signing- I was told if I maintain {$75000.00} or more in my accounts, I would not be charged any fees. While maintaining over $ 200k in these accounts- I noticed {$50.00} fees being subtracted monthly for a total of 25 months! I called 3 times and finally had XXXX of these reimbursed- and have called XXXX  times per week and interacted with online chat for the last 3 months - getting nowhere on the other XXXX {$50.00} payments hijacked from the account- a total of {$650.00} is still owed, PLUS the interest lost and accumulated on the accounts for the past XXXX  months. Im in a circular loop with them and can't seem to get anyone to take accountability with the bank. I want to get my money- transfer it- and fully close the accounts. This is very fraudulent activity thats cost me money.