davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Business & Professional Collection Service Inc (NV)

To whom it may concern, On my last visit to this office ( XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, the doctor made some confirmation and told me that everything would be covered by my health insurance and I only had to pay the copay, and that was why I agreed to have the procedure done. I came to front desk and made the copay payment and even asked them if I owed anything else. They confirmed that I dont owe anything else. But I just checked my credit report, I have a debt collection from them of $ XXXX.This is affecting my credit score. I request this tobe resolved since it 's the wrong amount posted on my account. My balance should be {$0.00} and I should not owe them anything I called their billing office/ collector to try to resolve this. They were mean, disrespectful, used profane or abusive language to me and said I still owe the amount and they refused to do anything even calling my health insurance, even though the documents on my health insurance profile say I dont owe them anything except the copays which I already paid at the visits. She also sounded like it was okay for them to lie and misinform their patients including me ( that I didnt have to pay for the procedure ) so that I will agree to do the procedure I called my insurance and they told me to call the doctor billing office and tell them to call my insurance but they refused to do it. They refused to do anything
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Last year in XXXX I found a fraudulent account opened with my social security number at XXXX XXXX XXXX  XXXX I filled an identitytheft.gov report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. 

Since then I have been in contact with the other credit bureaus and with XXXX XXXX XXXX . I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$56.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$840.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$26.00} Credit limit {$750.00} Highest balance {$1000.00} Pursuant to federal law statutes banks can not report late information to the credit bureaus..
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is  XXXX   XXXX . I am having an on-going problem with Bank Of America. I feel like they have discriminated and criminalized me for things that happened within my account that simply can not control. I recently had an issue with Bank Of America where 3 months ago someone fraudulently made purchases on my account. I was accredited that money back from BOA with the assurance that everything is ok and it was evident that someone took my card and made fraudulent purchases. On my payday, I woke up to see that on  X/XX/2017    BOA waited until my direct deposit dropped and took money from that deposit to get back the money that they gave to me after someone made the fraudulent purchases. After talking to numerous BOA representatives, I 've realized that they have come to conclusion that I was the one who had been making the fraudulent purchases. Several BOA representatives have told me that in order to get my money back I will need to get a police report. With that being said I made the clear decision to take time out of my work schedule to file a police report. In the mean time I had no money but fortunately I had a check from one of my family members that I decided to cash on saturd ay (   X/XX/17    ). The check was for {$7000.00}. Now I am no stranger to how depositing checks work. It usually takes a few business days which i am aware of. But, on  X/XX/17    I woke up to an alert saying that my bank account has been $ - XXXX  insufficent and my check wouldnt get processed until a month later. I have deposited MANY checks from BOA, most of which were close to the {$7000.00} check that I deposited and it NEVER took this long. I believe that ever since the problem with the fraudulent activity BOA has been treating me unfairly. I am very upset and offended that a bank that I have invested many years into, has been treating me as if I am a criminal. Not to mention that the person who wrote me the check is a family member and is on record to have wrote me checks close to the {$7000.00} check and NONE has bounced or considered to be fraud. I would like to see all of my money back, insufficent charges off and I would like to be released from this bank. I literally have no money to get to and from work, all because BOA has decided tho treat me unfair.
Consumer complaint received 2022-09-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I was involved in a non-fault accident that caused my car to be totaled. My insurance company paid Kia Motor Finance  {$14000.00} in XXXX, which left me with a gap. In XXXX, the dealership canceled all my extended warranty in which they sent Kia Motor Finance a {$2500.00} check, which still left me a balance. I purchased the debt cancellation agreement on my contract with Kia Motor Finance, meaning if my insurance company doesn't pay the entire balance, XXXX will cover the difference. Kia Motor Finance continued to send me monthly statements via kmusa.com, which I made those payments while waiting for XXXX to pay the remaining balance off. Kia ends up charging my account off which is wrong. 

Under the Truth Lending Act - Kia Motor Finance is violating - 1. ) 15 U.S Code 1605 ( a ) ( 5 ) - Premium or other charge for any guarantee or insurance protecting the creditor against the obligor 's default of other credit loss.

2. ) 15 U.S Code 1666b ( 4 ) - The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Federal Regulations - Creditors in the United States must charge-off installment loans after 120 days of delinquency. There are no late payments on this account or past due this account needs to be updated to be paid in full and closed.
Consumer complaint received 2023-03-28
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX {$7300.00} XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-03-28
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. (IL)

I recently check my credit file and i saw a account that was mines the date of the account was XX/XX/2022 the collection Agency was XXXX XXXX XXXX. THE AMOUNT WAS {$710.00} I have no recognition of this account or knowledge of this account. I'm a victim of fraud. In information is report wrong information on my credit file. I being violated of my rights under the fair credit ACT.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 


XXXX XXXX XXXX XX/XX/2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$820.00} Balance updated XX/XX/XXXX Recent payment Delete account. Never open or had XXXX XXXX XXXX Contacted company violation of FDCPA law by not reading my rights and threatening if not paid
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I have a Costco Citi Bank Card. On XXXX XXXX I made a payment of {$260.00} Which Citi Bank Cashed. It never appeared on my account. After several calls I went to my local bank, XXXX and they sent a fax with the check tracking no. and the date the check was posted. They still would not credit my account
Consumer complaint received 2016-06-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

My mortgage loan was transferred from XXXX XXXX XXXX to Citimortgage. During the transfer, my XX/XX/XXXX payment was added to my escrow account and Citimortgage had no record of my payment. When I made XX/XX/XXXX 's payment, I was informed of this and I confirmed that I indeed made my payment to Nation Star. Two phone calls later, the misapplication of the monies was found, and I was assured that it would be applied to the payment without an impact to my credit score within 72 hours. Seven phone calls later spanning 32 days, I received a letter indicating that my account was delinquent and they have reported me to a credit bureau. While Citimortgage now confirms that the payment is applied correctly and my account is up to date, my husband ( a XXXX vet ) and I are being punished for their error with incorrect information being reported to the credit bureaus. The fact that their lack of action or sense of urgency on their part has impacted our credit and they continue to negatively impact me due to their error is inexcusable. This has caused undue stress on both me and my husband. I want Citimortgage to provide me confirmation that my credit report will be updated in writing and provide the CFPB proof of what their process is in these matters so that someone else does not have this impact.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Management, Rushmore Loan Management Services LLC Customer Service Department XXXX, CA XXXX ( http : //www.rushmorelm.com/ ) requested a set of documents prior to my submitting a modification request by the request date : XX/XX/2017. I submitted all required documents, of which included a Quit Claim Deed that I had to pay {$1600.00} for in XXXX County and a statement that included the dissolving of my relationship with my domestic partner whom I never married legally. I submitted both. After the deadline, they informed me that I could not qualify for a modification due to failure to submit all required documents : a legal separation agreement, of which I could not have due to never being married and a promise to post {$27000.00} K to suspend the sale date on the property. They clearly lied about what I was required to submit and waited until after the deadline to change what was initially requested.
Consumer complaint received 2015-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NC)

I was refinancing my home from XXXX lines of equity into XXXX fixed rate loan. I contacted a loan officer with Wells Fargo that gave me extremely poor customer service. This customer service has been documented as I was eventually contacted by another employee that was able to assist. The customer service issue took a month away from getting my application completed and submitted. This was a time sensitive matter for me because my maturation date was approaching and I just gained employment in XXXX of 2014. The application was submitted in XXXX of 2014. Closing was not until XXXX 2014. Almost 5 months to close on a loan with an existing customer. During the approval process the loans matured in XXXX of 2014. My credit score went from an XXXX to a XXXX. After closing I was instructed to contact Wells Fargo Mortgage and seek assistance to correct credit score. They would not assist me in the correction so I am filing a complaint.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. ()

XXXX, I opened an account ( Savings and Checking ) with Citibank. On the advice of CITIBANK, the accounts were part of the " XXXX XXXX Banking '' package. Between XXXX and XXXX, I was not charge a monthly fee. 
However, I noticed in XXXX ( as I do not check my accounts frequently ), that starting in mid XXXX, I was charged XXXX {$25.00} per month. My numerous attempts to convert this account to a normal XXXX where I am not charged a fee, attempts to reverse the charges and also attempts to close the accounts through online chats with Citi 's representatives, international calls and messages, have been futile. Instead, I was repeatedly channeled from XXXX division to another, and even when I am in touch with the XXXX Banking Team ( they all do n't speak to each other ), I was told that I could not close the account unless I physically present myself at a Citibank branch in the XXXX ( I am now located in XXXX ), even though I could possibly open a normal account online that does not incur monthly fees. 
The constant inability of CITIBANK to resolve my issues or even assist to close my accounts and point me in the right direction is a violation of my customer rights, not to mention charging me XXXX {$25.00} a month when previously this did not happen.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me 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 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 {$0.00}. Please remove.
Consumer complaint received 2016-09-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX 2016 my wife and I went to a Wells Fargo branch to consolidate XXXX of our XXXX accounts .we wanted to close the business saving and checking accounts and transfer their balances to our personal saving and checking accounts.. The representative sent me to the cashier with a clear note telling her what she want the cashier to do. While I was waiting at the cashier my wife was waiting at the representative service desk. At the same time I picket up a phone call that distracted me for a good 5 minutes from the transaction And I just grab the receipt and call my wife : let 's go. 
The next morning .I went to check my accounts on line to review the transactions. that was catastrophic. The money from my personal account over {$3000.00} plus change was missing, and the amount from the business account was transferred to a teenager saving account that we had opened for my son. So I rushed to the same branch to see what happen to my money from my personal saving, no one could find a trace of the account and its amount .I change branch and went to another XXXX, also no one could help .Finally, late at night, By XXXX in the morning, as I could n't sleep, I called the bank toll free number. 
and they told me that they have located the account but they do n't know what happen to the money and the account seems to be closed more than a year ago.so I lost my life saving with no explanation .Is there any thing I can do? My name is XXXX XXXX XXXX XXXX 
my mailing address is XXXX XXXX XXXX, XXXX FL XXXX. 
Phone # XXXX XXXX XXXX Thank you!!
Consumer complaint received 2016-03-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

My cousin XXXX XXXX XXXX XXXX XXXX currently lives XXXX. He sent me his power of attorney written in XXXX certification, translated into XXXX and notarized in Illinois. A Citibank international customer service representative suggested he obtain the POA with XXXX after hearing other requests failed. That was the first time we heard about an apostille. XXXX did so as soon as possible. In the POAXXXX, XXXX specifies I can " open, close, manage and/or have '' his XXXX bank accounts, among other authorizations so I can continue to pay his taxes, etc. 

XXXX has XXXX Citibank checking accounts opened years ago in XXXX. They total just over {$3100.00}. XXXX previously made expensive unsuccessful phone calls as well as written documentation to authorize me to use or to close the accounts. I also have had multiple phone and written communication with Citibank. 

In XXXX XXXX, Citibank 's Illinois legal department refused the POA/XXXX submitted to the branch office. They instructed my cousin to call again or go to the XXXX XXXX in XXXX for notarization of there XXXX form, taking us back to where we started in XXXX. 

I am submitting copies of some communication with Citibank : POA with XXXX, XXXX emails from Citibank branch, my letter XXXX XXXX, witnessed instrument of delegation, letter from XXXX, his government photo ID card, Citibank POA signed and Citibank form XXXX signed in XXXX XXXX. I also have copies of his XXXX and XXXX passports, among other documents. I successfully used the POAXXXX to sell XXXX of XXXX XXXX XXXX properties among other tasks as he asked.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NY)

I received a notice from Citibank , NA on XXXX XXXX indicating my credit limit would be reduced on my Sears Card since it had been dormant with no balance for 21 months. The notice stated if I made a transaction by the end of XXXX I could avoid the limit reduction. I consider this a form of extortion forcing me to use the card or risk a negative report of my credit report as a result of Citibank reducing the credit limit. I did us the card on XXXX and paid it off on XXXX. Citibank continues to threaten me with a line reduction and reported account dormancy to XXXX on XXXX/XXXX/16.
Consumer complaint received 2022-06-09
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. (MO)

I applied for a new credit card at XXXX XXXX XXXX and as I was viewing my credit report and I noticed alot of inquiries that I have never given written authorization or had no knowledge that these inquiries that had been made as I did not authorize them. I only authorized the XXXX XXXX Inquiry. 

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
Consumer complaint received 2015-11-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (PA)

Auto loan through Santander Consumer USA. Loan # XXXX vehicle VIN # XXXX Subaru vehicle. We arranged for the vehicle to be voluntary repossessed by the lender XX/XX/XXXX. After repossession we received a XXXX XX/XX/XXXX in the amount of {$5100.00} added to our XX/XX/XXXX income reason as " cancellation of debt ''. This amount was added to our XX/XX/XXXX income and we have paid additional tax to the IRS for this. 
Recently we received a form XXXX XX/XX/XXXX for an additional amount of {$4400.00} being added to our XX/XX/XXXX income reason " cancellation of debt '' FOR THE SAME LOAN AND THE SAME VIN #!!!!! We have already paid additional income tax on this loan. We should not be charged again for the SAME LOAN AND SAME VEHICLE!!!!