davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

Citibank opens an account without my knowledge, transferred funds from XXXX XXXX. Starts in XX/XX/XXXX ends fund transfer late XXXX to early XXXX. XXXX XXXX  record shows continued transfers from one account to Citi Savings. Account # XXXX. I commences a probe Citibank Employees upon being questioned the validity of the aforementioned by me, these employees vehemently denied the existence of the subject account. Until one day I have received a correspondence dated XX/XX/XXXX with attached XX/XX/XXXX to XXXX XXXX ; XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. I also printed the Activity Details stating XX/XX/XXXX the aforementioned was set up for recurring payment from my chase bank to citi account ending in XXXX attempts to fund transfer in the amount of {$85.00} was canceled. 

Pursuant to XXXX XXXX  Monthly Statement Transfers were resumes until late XXXX to early XXXX. However, according to Citibank monthly statement dated XX/XX/XXXX to XX/XX/XXXX current balance of {$840.00} was transferred but no other information was revealed. 

I discover the existence of this allege account when accidentally click the external account while conducting verification of activities in account ending in XXXX. I also found telephone numbers which were not familiar. While on that area System asks me to enter my phone, then right after I got a code number system asks to enter code which I did and was able to access this hidden account. Furthermore, please note XX/XX/XXXX XXXX record shows other transfer of {$840.00} no other information was described, question where the money went? As mentioned transfers had continued still. In addition, in this probe you will notice the correspondence Citibank attached created an attestation to falsely incriminate me, Citibank describing of a check, or checks which I dont have any knowledge of what so ever. This is the second letter Citibank wrote with a hoodlum and corrupt style mind tactics. Upon my further analysis on the first one which was dated XX/XX/XXXX XXXX. The hoodlum style has created chaos in my life and my family. This is not suppose to be this way. I have reason to believe that Citibank may have created a forge or bogus check to falsely incriminate me. In addition, payments to citi credit card were never credited appropriately into the account. Ill explain this matter in the near future..
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Creditors Bureau Associates (GA)

Dear Officer of the XXXX, I am XXXX XXXX. I required XXXX on XX/XX/2020 and XXXX XXXX XXXX You completed my XXXX  XXXX  report. I am part of the XXXX  XXXX   XXXX  in XXXX XXXX A program that verifies that one has no income or benefits and provides basic medical services for those who are not eligible for XXXX or XXXX. 
Since then, for {$210.00} XXXX XXXX  has been sending invoices to me with the last on threatening collections on someone who has {$40.00} in their bank account and who lives with her son. 
My son called and spoke on my behalf to XXXX, sent everything they needed to verify financial need ( they said that they had a program for this ) but has been ignored by them ever since. He spoke to XXXX on XX/XX/2020 and then her supervisor XXXX XXXX later. 
XXXX XXXX XXXX was rude and unprofessional, asking discriminating questions like " is the patient legal in this country '' and the like and ultimately decided that they would not waive the {$210.00}. 
Numerous emails asking for details of the services provided have been ignored. 
Request for contact information for XXXX XXXX XXXX XXXX and CEO of XXXX, and XXXX XXXX XXXX the XXXX have been ignored. 
Requests for " Any paperwork that you may have showing we agreed to cover doctor fees and All other paperwork that you may have '' have been ignored. 

The company has now sent me to collections, I have no income, I have no money, my son pays for my basic needs and houses me. Am I to now fight a collection company because I was unfairly sent to them for months on end??? 

I am writing to other appropriate government agencies to ensure that other poor patients are not harassed in this way. 
Thank you for helping me and other patients by providing this safe space to complain.
Consumer complaint received 2021-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt or a contract to do business with this company. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2017-02-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: JH Portfolio Debt Equities, LLC (MN)

I fell behind on credit card payments so it was sent to a collection company. They called my work phone, I stated clearly and firmly that they CAN NOT use this number as a contact and gave them an acceptable number to call. Today at XXXX they called my desk phone again. I may lose my job over this
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo lost {$79000.00} from my personal checking account ; due to this I was unable to afford a home I was buying at the time that I chose. Days later they made a business decision to ban my account forever. They never informed me of this since they didn't have a new address yet. They still have {$21000.00} withheld ad I was unaware of any occurrence which led to decline most of my online autopayment, not even my online account sent me a message or notice about this, I still have unpaid bills due to the fact they won't let me have my money or pull funds out for emergency. I have been ignored many times and Wells Fargo won't help me when I call to transfer funds or even give me a reasonable statement why my account is being closed. I was either transferred or disconnected or blatantly. 
hung up on by customer service. They were very unprofessional and not helpful at all. Thank you for your help.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2022 I paid my auto loan with XXXX XXXX at XXXX pm XXXX. On Monday XX/XX/2022 I received alerts that my account was reported as 30 days past due to credit bureaus XXXX and Transunion. Upon calling XXXX, they stated that they reported the payments as late because the payment was made at XXXX pm ( not stated if it was XXXX or XXXX ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). XXXX is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their XXXX office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my 30 day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.
Consumer complaint received 2015-10-06
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST (NC)

I have a loan with Bank of the West and I am frustrated because I was just informed that I would not be receiving regular statements, which was not disclosed at the time I took the loan 3 months ago. In addition, when I go to view the payments that were made online sometimes the payments show and sometimes they do n't, it 's very arbitrary. So downloading my activity is useless. Is there some remedy so that I have a way to make sure my payments are posted accurately and timely? I feel like I am in prison with a bank that is less than transparent and I do n't care for it and I am wondering if this is allowed from a regulatory perspective.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NY)

I received a check from XXXX XXXX payable to XXXX XXXX XXXX XXXX for my health insurance. I do not have any accounts with XXXX XXXX. My college has no knowledge as to why this check in the amount of {$170.00} was issued to it and sent to my address.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Well for XXXX years i been trying to get my credit report and it 's ask me some questions and i answer no on them cause they do n't apply to me cause i never had a car loan or try to get a car loan and i never had a montage loan either. So i said no and it would n't give me my credit score. Its saying that my info is not matching with my social security number. I do n't know what to do any more. I need help.
Consumer complaint received 2016-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (FL)

I had a XXXX Nissan Altima financed with them for just over a year with no problem. XX/XX/XXXX. I called to try and get XXXX. payment deferred they said that would be no problem. They took the payment anyway then claimed that the finance department did n't get the paper work on time. I was told that the payment {$310.00}. would be back in my account within 24 to 48 hours. Three days later I was told that I had to send them my account information in order for them send my payment back, which made so ne since to me because I had the automatic withdrawal so they should already have that info. I was also told that it would be 7 to 10 business days for me to get my money back. I was also told that I would have to email the account info. to them. I went to exeterfinance.com like I was told. I did not get Exeter finance, I got an error message saying " the page could not be displayed ''. When I called back again, I was told that I could give my account info over the phone. Every time I called to get this resolved they pushed to date back for getting my money. My electric was shut off because of this. I told them that I was going to get my car refinanced to get it away from them. Which I did, they were notified of this and they took the next payment deliberately. Now they tell me that it will take a month to get that payment back. I have reported this to the F.B.I. on their payments scam website. My next step is to contact The Federal Trade Commission and the XXXX and the XXXX XXXX XXXX.
Consumer complaint received 2023-04-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TX)

I received an email stating that my Sam 's Club card ( membership costs {$50.00} annually ) was in a negative balance of {$30.00} on my Sam 's Cub Mastercard. This didn't make sense because my membership fee is automatically paid from my Amazon Visa card, and I have never owned that particular Mastercard. I called the number provided and spoke with a man telling me that I had to have had the Sam 's club Mastercard but I could pay the {$30.00} to pull my account out of the red or I could pay the {$50.00} and be cleared for the year. He also stated that since the account was in the negative, I had to pay with a debit card, NOT a credit card because this type of transaction was turned over to this business " Synchrony Bank '', and I would have to physically go to my local Sam 's Club to get the card payment situation straight. So, like an XXXX, I gave out my debit card number and paid {$50.00}. I kept the receipt from this company and have it if it's needed.
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MN)

On XX/XX/XXXX I was notified of a debt in collections via XXXX XXXX credit monitoring alert. 

Transworld Systems Inc. sent a notice to the credit reporting agencies about a dept from XX/XX/XXXX before it was verified. I contacted Transworld Systems XXXXnc. to obtain proof of the debt because the original creditor, XXXX XXXX, never contacted me. A supervisor named XXXX XXXX refused to remove the notice on my creditor report until the debt could be verified. He threatened to endanger my credit health even though the debt is from XXXX years ago and for the amount of {$380.00}. 

The debt was settled with the original creditor, XXXX XXXX. I requested from them proof of the payment. The payment confirmation number is XXXX.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a a unverified account from XXXX # XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I have contacted all XXXX credit bureaus about my complaint about the numerous inquiries on my personal report. they have advised to write to each individual creditor and ask them to remove the inquiry. This is a task that a person who has a family or otherwise a livelihood can do. Even though I have submitted a request for a credit freeze this does not prevent inquiries from appearing on my credit report. I am requesting that after the credit bureaus review all of my complaints to the various creditors and understand the nature of the complaints they should remove these inquiries.
Consumer complaint received 2015-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION (OR)

I am attending XXXX University ( fka XXXX XXXX XXXX ) to obtain my XXXX. For the XX/XX/XXXX-XX/XX/XXXX school year, I obtained approximately {$20000.00} in financing from Sallie Mae with a 2.25 % variable interest rate reduced to 2.00 % with auto debit. For the XX/XX/XXXX-XX/XX/XXXX school year, I applied for a {$35000.00} loan from Sallie Mae with a 6 % variable interest rate. I was shocked by the 4 % increase given that my credit score is still XXXX and nothing else in my credit history has changed. Sallie Mae advisors confirmed that my credit score and history was not materially different but would not tell me why my rate increased. After multiple phone calls, I was told that I could not be told the reason for the 4 % increase because it is " proprietary information. '' I find that hard to believe as I used to be a commercial lender and we always had to be clear about the reason for rate increases.
Consumer complaint received 2015-08-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Niagara Credit Solutions, Inc (VA)

A company called Niagara Credit Solutions who I suppose is a third party debt collector is harassing me at work and on my cellphone. They said they have employment verification to garnish my wages which ca n't be true because they keep asking for me under my maiden name and I 've been married for nearly XXXX years. I called them back and told them to stop calling me, stop harassing me, etc. Because my husband & I bought a home last year in which I had to pay any outstanding debts to get the mortgage, and which were paid. They are asking now for a sum suspiciously close to what I paid another debt collector last year. I told them I would report to the BBB for harassment, I have never received a court summons, and they are threatening to garnish my wages which I do n't think they can do. Something illegal is happening here and I am getting tired of it. I can not possibly have an outstanding debt or I would not have my home.
Consumer complaint received 2024-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (NJ)

A review of my HELOC does not contain anything that said it was a interest only loan. The original loan was for {$65000.00} and 18 years and {$97000.00} later I still owe {$63000.00}.

I continued to use extra money over the years but the loan should be much lower by now. I think Wachovia Bank, used Predatory Lending Practices because I don't see it spelled out that the loan was interest only.

I'm checking to see if I am due any money from any lawsuit of Wachovia Bank or Wells Fargo or if I have any recourse?

Please advise.
Consumer complaint received 2016-03-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (FL)

like 1 1/2 or 2 years ago I got a loan from rapid cash advance, now looking at my credit report I see that a collection co go it in my credit but it says that I open the account on XXXX XXXX and wonder if they have wright to do that. thank you in advance for your help
Consumer complaint received 2015-06-26
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings (TX)

Lender us still reporting on credit report although loan was paid. Date reported on the credit for last payment date is listed incorrectly as XXXX/XXXX/2015 representative agrrededto delete trade line once account was paid to XXXX. Item remains without itemized explanation.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company bank of america.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (NY)

n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( XXXX in total ) Late payment in all accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

I am a victim of identity theft. I received a copy of my credit report and found a few fraudulent accounts that need to be addressed. The fraudulent account is LVNV FUNDING LLC, the original creditor is XXXX XXXX BANK XXXX I did not open a XXXX XXXX Bank credit account. I reported this account as fraudulent to XXXX XXXX Bank who told me to contact the current owner of the debt, LVNV Funding.
Consumer complaint received 2022-02-14
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-09-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CA)

I was contacted by telephone by a company purporting to be attempting to collect a debt I owed. They would not give me any information about the debt and were demanding that I provide my date of birth and social security number. I am positive that do not have any debts that would be in collection. The phone number for the debt collector was XXXX XXXX XXXX XXXX. The person identified himself as being with Transworld Systems.